Serving Florida and Nationwide
Call For A Free Consultation
(954) 989-9000
Serving Florida and Nationwide
Call For A Free Consultation (954) 989-9000

Holding Insurance Companies Accountable For The Coverage They Promised and The Benefits You Deserve. Serving Florida and Nationwide.

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How Do I File an Appeal for a Denied Long-Term Disability Claim?

At Disability Insurance Law Group, our long-term disability insurance claims attorneys represent policyholders nationwide whose claims have been denied. We understand the devastating impact a denial letter can have on you...

Disability Insurance Law Group Files Appeal and Wins Long-Term Disability Benefits for Claimant Denied by Unum

Sandra A. was an executive in a large multi-national corporation. Her job required frequent travel and onsite inspections. When new products were about to launch, Sandra would give presentations to...

Why Should I Appeal A Disability Claim?

Finding out that your disability insurance provider has denied your claim can be frustrating, confusing and frightening. You and your family were likely counting on those benefits to help make...

Experienced Life Insurance Claims Attorneys in Jacksonville, Florida

Our Jacksonville life insurance claims lawyers at Disability Insurance Law Group represent beneficiaries of life insurance policies nationwide because we know those pursuing the claim are experiencing significant grief that can overwhelm every aspect of their lives.

Our Duval County life insurance claims attorneys believe no matter your relationship with the policyholder if you are the beneficiary of their coverage, you should be entitled to the benefits promised in its terms and conditions.

We are here to help no matter where you are in the claim process so you can take the time to grieve with your loved ones while we aggressively pursue your initial life insurance claim, dispute response, or denial appeal. Contact us today to learn more.

Life Insurance Claims Attorneys

What Types of Life Insurance Claims Will Disability Insurance Law Group Handle?

At Disability Insurance Law Group, our Jacksonville life insurance lawyers represent individuals and families nationwide whose claims have been disputed or denied by the insurers.

This includes those who are pursuing benefits from the following types of policies:

  • Final Expense Insurance.
  • Term Life Insurance.
  • Universal Life Insurance.
  • Variable Life Insurance.
  • Whole Life Insurance.

We know that insurance companies dispute or deny these critical claims for multiple reasons, including cause-of-death disputes, policy exclusions, and uncertainty or conflict regarding the rightful beneficiary. You do not have to take the insurance company’s word for it.

We can help outline your loved one’s life insurance policy details and review the coverage to ensure you are pursuing the benefits included in the contract during a free consultation.

Contact our Jacksonville life insurance claims attorneys today for help.

What are the Key Components of a Life Insurance Policy?

A life insurance policy is a contract between the policyholder and the insurance company. It provides a financial benefit to the policy’s beneficiaries upon the insured person’s death.

The specific terms and components of a life insurance policy can vary depending on the type of policy and the insurer.

Here are some of the critical elements typically included in a life insurance policy:

  • Policyholder

This person owns the insurance policy and pays the premiums. The policyholder can also be the insured person or someone else, such as a spouse or family member.

  • Insured Person

This is the individual whose life is being insured. The beneficiaries are paid the death benefit upon the insured person’s death.

  • Beneficiaries

These individuals or entities (e.g., family members, a spouse, a trust, or a charity) are named by the policyholder to receive the death benefit when the insured person dies.

  • Death Benefit

The death benefit is the money paid to the beneficiaries upon the insured person’s death. The policyholder selects the amount of the death benefit when purchasing the policy.

  • Premiums

Premiums are the periodic payments made by the policyholder to the insurance company to keep the policy in force. The premium amount may be paid monthly, quarterly, annually, or in other intervals, depending on the policy terms.

  • Policy Term

The policy term is when the policy remains in force. Term life insurance policies have a specified term, such as 10, 20, or 30 years, while permanent life insurance policies, like whole life or universal life, can provide coverage for the insured person’s lifetime.

  • Policy Type

Life insurance comes in various types, including term and permanent life insurance. Term life insurance provides coverage, while permanent life insurance provides lifelong coverage and may include a cash value component.

  • Cash Value (for Permanent Life Insurance)

Some permanent life insurance policies build cash value over time. The policyholder can access this cash value during their lifetime for loans, withdrawals, or to pay premiums.

If the policyholder decides to terminate the policy before the insured person’s death, they may receive a surrender value, which is the cash value minus any applicable fees or penalties.

  • Riders

Riders are optional policy enhancements that can be added to the base policy for an additional cost. Common riders include accidental death benefit riders, disability income riders, and long-term care riders.

  • Exclusions

Life insurance policies may have exclusions that limit coverage in certain circumstances. For example, a suicide clause may limit coverage within the first two years of the policy.

  • Incontestability Clause

After the policy has been in force for a specified period (typically two years), the insurance company cannot contest the policy’s validity or refuse to pay the death benefit based on misstatements or omissions in the application.

The specifics of a life insurance policy can vary from one insurer to another. It is essential for individuals to thoroughly review and understand the terms and conditions of their life insurance policy and seek legal help from an experienced Jacksonville life insurance claims law firm to clarify any details that are not clear — or that are being disputed by the insurance company.

At Disability Insurance Law Group, we are committed to providing professional, effective, and compassionate legal representation to families seeking life insurance benefits so they do not have to suffer the additional trauma of fighting with the insurance company over the financial support they depend on.

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Contact Our Skilled Life Insurance Claims Attorneys Today

Contact our skilled life insurance claims denial attorneys in Jacksonville today by calling 954-989-9000 or contact us online to schedule a free and confidential case assessment so we can put our over 50 years of combined experience to work for you.

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  • 3201 W. Commercial Blvd. Suite 227
  • Fort Lauderdale, FL 33309
Call For A Free Consultation (954) 989-9000

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