Denied or Delayed Claim? We Can Help.

If your Florida life insurance claim was denied, delayed, or disputed, you may still have legal options. Life insurance is meant to provide financial protection for families after a loss—not create more stress. Unfortunately, insurers sometimes wrongfully deny valid claims or delay payments without cause.

Our Florida life insurance lawyers help beneficiaries across the state fight for the benefits they’re owed. We handle disputes involving individual and employer-sponsored policies and work with clients in Miami, Orlando, Tampa, Jacksonville, Fort Lauderdale, and beyond.

Common Florida Life Insurance Disputes We Handle

We represent clients in a wide range of life insurance issues, including:

• Claim denials due to alleged misrepresentation on the policy application
• Lapsed policies from missed premiums, often due to grace period misunderstandings
• Competing beneficiary disputes, including claims from former spouses or relatives
• Last-minute beneficiary changes, often involving questions of mental capacity or undue influence
• Delays in payment, sometimes lasting months without justification
• Policy exclusions, such as suicide, drug use, or high-risk activity allegations
• Slayer statute issues, where the beneficiary is accused of causing the insured’s death
• ERISA-governed policies, which apply to many employer-provided life insurance plans

Even if your claim has already been denied, you may still have a valid right to benefits.

How Florida Life Insurance Law Works

Florida law gives beneficiaries strong protections—but insurance companies don’t always follow the rules. Some important legal points to know:

• Bad faith insurance practices may allow for additional compensation if the insurer acts unfairly.
• Florida’s contestability period is typically two years. If the insured dies after this period, the insurer may be limited in challenging the policy.
• ERISA policies (from employers) follow federal rules and strict deadlines for appeals.
• The Florida Slayer Statute prevents someone who unlawfully caused the death from receiving benefits.

We help you understand how these laws apply to your situation and pursue every available path for recovery.

What Can You Recover?

In a successful life insurance case, you may be entitled to:

• The full policy benefit
• Interest for delays in payment
• Attorney’s fees (in some Florida cases)
• Bad faith damages if the insurer acted improperly
• Compensation for emotional distress or economic harm caused by the denial

We will review your case and work to recover the maximum amount owed under the law.

Why Choose Our Florida Life Insurance Lawyers?

• No fees or costs unless we win or settle your case
• Free consultation to evaluate your claim
• Licensed in Florida with experience in both state and federal courts
• We handle both individual and group (ERISA) policy disputes
• Compassionate, efficient support for grieving families

We’ve handled hundreds of life insurance disputes and know how to deal with insurance companies that delay, deny, or dispute claims.

What to Do If Your Life Insurance Claim Is Denied in Florida

If your claim has been denied or delayed:

1. Don’t give up. A denial doesn’t mean the end.
2. Keep all documents, including the denial letter, application, and communications.
3. Avoid further contact with the insurer without legal guidance.
4. Contact a Florida life insurance lawyer to review your case.

You may still have a right to full benefits—even if the insurer says otherwise.