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Orlando Life Insurance Lawyers
Orlando is home to a flourishing business environment and thousands of families who rely on life insurance policies to ensure their financial well-being after a tragedy. Unfortunately, insurance companies often prioritize their profits over their promises. When a loved one passes away, facing a denied, delayed, or disputed life insurance claim can be devastating.
At the Law Offices of Jason Turchin, our Orlando life insurance lawyers have extensive experience taking on major insurance carriers. Whether your claim involves a private individual policy, an employer-sponsored ERISA plan, or a complex beneficiary dispute, we are here to protect your rights.
👉 Call (800) 337-7755 today or use our live chat for a free, confidential consultation. We handle most life insurance claims on a contingency fee basis, meaning you pay no upfront fees or costs.
Common Reasons for Life Insurance Claim Denials in Florida
Insurance companies often use teams of adjusters and lawyers to find reasons to deny your payout. Our firm handles the most complex denial tactics, including:
- Material Misrepresentation (Florida Statute § 627.409): If the deceased passed away within the first two years of the policy (the Contestability Period), the insurer will typically heavily scrutinize the original application. They will often deny the claim by alleging the applicant lied about their medical history. We can fight back by proving the omission was not material.
- Lapse in Policy Due to Unpaid Premiums: Insurers often claim a policy was canceled for non-payment. We can investigate whether the insurance company followed Florida law by providing the legally required “grace period” and proper notices of cancellation.
- Exclusions (Like the Suicide Clause): Most policies have a clause denying benefits if the policyholder commits suicide within the first two years. We can investigate the medical examiner’s findings to challenge disputed causes of death.
Beneficiary Disputes and Interpleader Lawsuits
Sometimes the insurance company agrees to pay, but multiple people claim they are the rightful beneficiary. This often happens after a divorce, a remarriage, or last-minute changes to a will.
In these situations, the insurance company will file an Interpleader Action. They deposit the death benefit into the court’s registry and step away, forcing the competing beneficiaries to litigate against each other. Our attorneys can aggressively represent spouses, children, and business partners in these complex family and estate disputes to fight to help ensure the true intended beneficiary receives the funds.
Navigating Orlando’s Court System
Where your lawsuit is filed depends heavily on the type of policy you have. Our firm is admitted to practice in both state and federal courts. We regularly handle cases in Florida state and federal courts, including:
- Orange County Circuit Court: For standard, privately purchased life insurance policies governed by Florida state breach of contract laws.
- The U.S. District Court for the Middle District of Florida: For employer-sponsored group life insurance policies governed by federal ERISA laws, or policies for federal employees under OFEGLI. Federal court rules are incredibly strict, making an experienced attorney often essential.
Why Choose the Law Offices of Jason Turchin?
We can focus on achieving the best possible outcome for each client through aggressive negotiation and, when necessary, trial litigation. Our approach is tailored to suit the specifics of your case:
- Extensive Experience: We have handled thousands of claims and lawsuits across Florida, giving us deep insight into how specific insurance companies operate.
- Probate Team Network: If the life insurance policy lists the “Estate” as the beneficiary, our life insurance lawyers can work with probate attorneys to smoothly open the estate in Orange County to facilitate the payout.
- AV Preeminent® Rated: Peer-recognized for the highest level of legal ability and ethical standards.
- Contingency Fee Structure: We typically handle life insurance denials and disputes on a contingency fee basis. You don’t pay us any upfront fees or costs, and we only collect if we successfully recover your benefits.
Contact our Orlando life insurance lawyers today at (800) 337-7755 for your free consultation.
Orlando Life Insurance Claim FAQs
Can an ex-spouse claim my life insurance benefits?
Florida has a specific statute (F.S. 732.703) that generally automatically revokes a beneficiary designation to an ex-spouse upon divorce. However, there are exceptions (such as federal ERISA policies or specific divorce settlement agreements). These complex situations often result in Interpleader lawsuits.
What is the 2-year contestability period in Florida for life insurance?
Under Florida law, life insurance companies generally have the right to contest (investigate and potentially deny) a claim if the policyholder dies within the first two years of the policy’s start date. They usually do this by looking for ‘material misrepresentations’ or mistakes on the original application.
What is an ERISA life insurance claim?
If you get your life insurance through your employer, it is likely governed by the Employee Retirement Income Security Act (ERISA). ERISA is a federal law with very strict deadlines and rules. You generally cannot sue for ‘bad faith’ or punitive damages in an ERISA case, and appeals may need to be handled meticulously before filing a federal lawsuit.
Do I have to pay out of pocket to hire a life insurance lawyer?
No. At the Law Offices of Jason Turchin, we handle most delayed or denied life insurance claims on a contingency fee basis. We only get paid a percentage of the recovery if we successfully secure the death benefit for you. We waive all fees and costs if there is no recovery.
