Florida Life Insurance Attorney

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Life insurance, or life assurance, is a contract between an insurer and a policyholder. The policyholder pays a premium, and in exchange, the insurer pays a designated beneficiary a sum of money after the policy holder’s death. People take out these policies to ensure their loved ones are cared for in the event of their death. However, if the insurance company denies a life insurance claim, it could leave those loved ones without sufficient financial support.

One of the worst things a grieving family has to deal with on top of their lost loved one is a reluctant insurance company. Sometimes these businesses make unreasonable demands or claim the benefits can be denied based on reasons that don’t make sense. If you find yourself struggling with an insurance company, make sure you are adequately represented.

Delays or Denials

Whether the insurance company has completely denied your claim or is delaying payment, let us help you. These businesses can use delaying tactics, such as asking you for information that’s hard to obtain and putting your claim on hold why you try to gather it. Sometimes, an insurance company will even ask for personal records, such as tax returns, which it will try and use to rescind the deceased’s coverage. In order to prevent themselves from losing money, they will use any excuse to keep from paying the claim. However, insurance companies are obligated to promptly and reasonably investigate your claim in good faith.

Undue Influence

Life insurance can get particularly complicated if someone has undue influence on the policyholder before his or her death. This happens when someone puts an amount of pressure on the policyholder to change the beneficiaries or the amount distributed upon his or her death. Questions of undue influence happen when a person is elderly, ill, or close to death. If a chance to the policy happens then, particularly when the new beneficiary is a person who was not previously involved in the policyholder’s life, it can seem suspicious. If you’re dealing with this kind of situation, let us help you with your case.

Interpleader Actions

Life insurance companies often initiate an interpleader action when it receives competing claims for the policy benefits from different potential beneficiaries. To avoid paying the wrong person, or potentially having to pay the same claim twice, a life insurance company will place the proceeds in the court registry and ask a judge to decide who is legally entitled to the funds. Settlement between the parties is also always an option to resolve the dispute.

Schedule Your Consultation Today

If you need to discuss the details of our case, give us a call. At Haynes Law Group, our Florida life insurance attorneys care about helping our clients through their difficulties, and we know that communication is key to presenting a good case. We understand this might be an emotionally trying time for you, so we can help you deal with the representatives from the insurance company. We are dedicated to helping families across Florida. Trust our experience. Our firm has a proven track record of results and client satisfaction.