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.

Life Insurance Claims Attorney in Fort Lauderdale, Florida

Life Insurance Claims Attorney

At Disability Insurance Law Group, our Fort Lauderdale life insurance lawyers represent policyholders in Florida and throughout the U.S., because we know their families depend on the positive outcome of their claims.

Our Broward County life insurance claims attorneys know most people purchase life insurance policies to ensure that their loved ones are protected and provided for if they are unable to do so, as the result of an untimely death.

Following the loss of a financial provider of a family, beneficiaries can suffer another financially devastating problem — their loved one’s life insurance company may deny or dispute payment of their life insurance claim.

We understand life insurance can be extremely complicated, including the different types of policies and what the terms listed in the agreement mean to its beneficiaries. This is why we are here.

Contact us today to understand the details of your loved one’s life insurance coverage, and what it means to your financial future, so you have the legal support you need to make informed decisions going forward.

What are the Different Types of Life Insurance Coverage?

Life insurance is insurance coverage that pays a death benefit to your chosen beneficiary when you die. It can help to cover your end-of-life expenses, pay off your outstanding debts, and provide financial support to your dependents after your death.

There are five main types of life insurance policies on the market — though there are many additional subtypes — including:

  • Term Life Insurance

Term life insurance is one of the most popular and affordable policies that lasts for a specific number of years — typically 10 to 30.

  • Whole Life Insurance

Whole life insurance is a popular type of permanent life insurance that will remain permanently active if you continue to pay the premiums. Whole Life Insurance comes with a separate cash value — a tax-deferred savings component — in addition to the standard death benefit.

  • Universal Life Insurance

Universal life insurance is a permanent life insurance policy that offers flexible premiums. Policyholders may increase or decrease the premiums based on their individual needs. For instance, if a premium is decreased, the difference can be withdrawn from your policy’s cash value.

  • Variable Life Insurance

Variable life insurance is permanent coverage that allows the policyholder to invest the money from the cash value in various market funds – like mutual funds – offered by the insurance company. With a Variable Life Insurance policy, the death benefit comes with a guaranteed minimum, the cash value amount is not guaranteed and depends on market conditions.

  • Final Expense Insurance

Final expense insurance, or burial insurance, pays a small death benefit to the beneficiaries to help cover end-of-life expenses.

Unfortunately, no matter where a policyholder lives or works, or which type of life insurance the individual has, even when they are in good standing with the insurance company, their claims may still be disputed or denied for a myriad of reasons the beneficiaries never see coming.

Why Are Life Insurance Claims Disputed or Denied?

Often, insurance companies limit payouts by denying claims based on a claimant’s failure to disclose the required information in the application process or failure to strictly adhere to the claim filing process.

Common reasons for insurance companies disputing or denying claims are based on allegations of fraud or misrepresentation, policy construction and interpretation issues, effective date of coverage disputes, disputed cause of death, and cancellation of a policy because of non-payment of premiums or other premium disputes.

Billions of dollars in annual marketing obscures a hard fact: Insurance companies are a business, and they stay profitable by limiting the number of claims that they pay out. As such, they have a financial incentive to scrutinize claims. With vast resources at their disposal, insurance companies know exactly how to protect their interests at all stages of the insurance process, from drafting the policy to the investigation and denial of a claim.

At Disability Insurance Law Group, we are committed to providing professional, effective, and compassionate legal representation to our clients. Contact us today to learn how our nationwide life insurance claims attorneys can help you and your family fight back.

Why Do I Need a Life Insurance Claim Attorney?

The most unfortunate part of life insurance disputes and denials is that they affect people when they are going through one of the most challenging and stressful times of their lives. Losing a loved one is unbelievably traumatic on its own. Getting a letter of dispute or denial from their life insurance company is devastating, and difficult to understand while trying to process grief.

Let our attorneys deal with the insurance company for you.

Our national life insurance claims attorneys at Disability Insurance Law Group help policyholders and beneficiaries during all stages of the claims process, and we have successfully forced insurers to pay billions of dollars in claims that were initially denied. Let our law firm assist you by:

  • Advising and guiding you through the application process.
  • Preparing and handling your appeal of a denial of benefits.
  • Filing a lawsuit.
  • Negotiating a lump sum buyout settlement.
  • Answering frequently asked questions.

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

We also offer the Services for:

Frequently Asked Questions for Our Life Insurance Attorneys in Florida

Who Qualifies for Life Insurance?

When an individual pursues life insurance coverage, the insurance provider is going to assess their overall life expectancy, so they can weigh the potential for a payout against the liability of insuring the person.

Common factors that are considered for life insurance include an applicant’s:

  • Age
  • Gender
  • Height and weight.
  • Health conditions.
  • Family health history.
  • Driving record.
  • Credit score.
  • Criminal history.
  • Dangerous hobbies.
  • Lifestyle habits.
  • Financial information.

The longer your estimated life expectancy, the better your chances of getting affordable life insurance coverage.

How Much Life Insurance Does a Person Need?

Life insurance coverage is unique to the individual applying for coverage. Typically, the higher the payout, the higher the premium, so it is advisable to evaluate your unique needs when pursuing coverage.

That may include how much coverage you will need to:

  • Cover your funeral and burial costs.
  • Pay off outstanding debts and taxes.
  • Provide financial resources to dependents after your death.
  • Gain an investment account that offers tax-free growth.
  • Leave behind a tax-free inheritance.
  • Establish a loan source for the future.

Next, you should consider whether you need life insurance for a specific term, or permanently. Then you can estimate how much coverage you will need for each purpose and overall.

Why Do I Need a Life Insurance Claim Attorney?

The most unfortunate part of life insurance disputes and denials is that they affect people when they are going through one of the most challenging and stressful times of their lives. Losing a loved one is unbelievably traumatic on its own. Getting a letter of dispute or denial from their life insurance company is devastating, and difficult to understand while trying to process grief.

Let our attorneys deal with the insurance company for you.

Our national life insurance claims attorneys at Disability Insurance Law Group help policyholders and beneficiaries during all stages of the claims process, and we have successfully forced insurers to pay billions of dollars in claims that were initially denied. Let our law firm assist you by:

  • Advising and guiding you through the application process.
  • Preparing and handling your appeal of a denial of benefits.
  • Filing a lawsuit.
  • Negotiating a lump sum buyout settlement.
  • Answering frequently asked questions.

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

Can I Increase My Life Insurance Coverage at Any Time?

The amount that can be added to your life insurance policy is pre-defined by the insurance company and is subject to your age. Talk to your insurance provider about any changes in coverage to see how it will impact your premium and overall benefits.

Can My Life Insurance Be Cancelled for Any Reason?

Life insurance companies can cancel policies under extremely specific circumstances, and typically only during the contestability period, which varies from company to company and policy to policy. One of the main reasons that an insurance company would cancel your life insurance policy is non-payment.

Do You Need Legal Counsel? We Invite You To Contact Us For A Free Consultation.

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

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