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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Our Florida and nationwide claims attorneys at Disability Insurance Law Group know many employers offer disability insurance as part of their employee benefits package. In this case, disability benefits are directly...

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At Disability Insurance Law Group, our Florida and nationwide claims attorneys know Functional Capacity Evaluations (FCEs) play a significant role in disability claims, no matter where you live in the U.S. FCEs...

Knowledgeable Life Insurance Claims Attorneys in Naples, Florida

At Disability Insurance Law Group, our Naples life insurance claims lawyers know that losing a loved one impacts our clients’ lives in countless ways. The grief and sadness can be overwhelming and are often coupled with the reality that their death expenses and ongoing financial needs are more than most people imagined.

One of the primary reasons people buy life insurance is to provide financial protection for their loved ones, including a spouse, children, or dependent family members. In the event of the insured person’s death, the life insurance policy pays out a death benefit to the beneficiaries, helping them cover living expenses, mortgage payments, education costs, and other financial needs.

When beneficiaries pursue their loved one’s life insurance coverage for benefits, they do so because it is what the insured person would have wanted — and counted on while living. When the insurer disputes or denies a life insurance claim, it has a devastating ripple effect that grieving families cannot bear. This is why we are here.

Our Collier County life insurance claims attorneys represent policyholder beneficiaries in Florida and nationwide during some of their most challenging times. Contact us today to learn more about our customized legal approach to producing results for clients who need us.

Life Insurance Claims Attorney

Does Disability Insurance Law Group Handle All Life Insurance Claims?

For over 50 combined years, our Naples life insurance lawyers at Disability Insurance Law Group have represented individuals and families nationwide when filing an initial claim, responding to a disputed claim, and appealing denied claims.

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

Our life insurance lawyers in Collier County handle initial claims, appeals, lump sum negotiations, and lawsuits on behalf of policyholders everywhere — no matter where they live or work in the U.S. Contact us today to learn how we can help you obtain the life insurance benefits your loved one intended for you to have without further delay.

What Happens if the Policyholder Didn’t Leave Clear Instructions or the Life Insurance Policy Can’t Be Found?

Sometimes, the process of locating a policy can be time-consuming and challenging. The one sure thing is that the insurance company will not contact you to see where you want them to send a check. This means locating the policy is the priority.

Start by collecting as much information as possible about the policyholder and their financial affairs. This includes their full name, date of birth, Social Security number, known insurance company names, and relevant documents or records.


  • Contact Family and Advisors

Reach out to family members, close friends, and any financial advisors, insurance agents, or attorneys who may have been aware of the policy. They might have insights or documentation related to the policy.

  • Search Personal Records

Review the deceased’s personal records, files, and essential documents for any evidence of the life insurance policy. Check for policy statements, premium payment receipts, or correspondence from the insurance company.

  • Contact the Insurance Company

If you have identified the insurance company or have a strong suspicion of which company the policy was with, contact the insurer’s customer service department. Provide them with the information you have, including the policyholder’s details. They may be able to search their records for the policy.

  • Check Bank Statements

Examine the deceased’s bank statements for recurring premium payments to an insurance company. This could help identify the insurer and the policy.

  • Review Digital Records

In today’s digital age, policy information might be stored in emails, digital files, or online accounts. Check the deceased’s digital records for any relevant information.

  • Visit the Safe Deposit Box

If the deceased has a safe deposit box, examine its contents for any documentation related to the life insurance policy.

What Documents Do I Need to File a Life Insurance Claim?

When filing a life insurance claim, you must typically provide specific documents and information to the insurance company to support your claim.

While the exact requirements can vary depending on the insurance company and the policy, here is a list of standard documents and information that are often required to file a life insurance claim:

  • Death Certificate

A certified copy of the death certificate is a primary document required to initiate a life insurance claim. Ensure that it includes the date, time, and cause of death.

  • Policy Information

Information about the life insurance policy is essential. This includes the policy number, the insurance company’s name, and the policyholder’s name. A copy of the actual life insurance policy is helpful for reference and verification purposes.

This can be obtained from the insurance company or the policyholder’s records.

  • Claimant’s Statement

You will typically need to complete a claimant’s statement provided by the insurance company. This form requires you to provide personal information, details about your relationship with the insured, and your contact information.

  • Proof of Identity

You may be required to provide proof of your identity, such as a driver’s license or passport, to verify your relationship to the insured and your identity as the claimant.

Medical Records

In cases where the cause of death is unclear, or the policy has exclusions related to certain medical conditions, the insurance company may request medical records or reports from healthcare providers.

  • Proof of Premium Payments

If there are concerns about the policy’s status or premium payments, you may need to provide proof of premium payments, such as premium receipts or bank statements showing premium withdrawals.

  • Funeral Home Documentation

If the policy is intended to cover funeral expenses, you may need to provide documentation from the funeral home specifying the cost of the funeral or cremation.

Depending on the insurance company and the policy type, additional forms or documents may be required to process the claim. These can vary widely. We can help ensure you prepare the claim correctly the first time so there is a lesser chance of it being disputed or denied.

We Also Serve this Practice Area in the Following Cities:-

Contact Our Skilled Life Insurance Claims Attorneys Today

Contact our skilled life insurance claims denial attorneys in Naples 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.

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

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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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