Daytona Beach Life Insurance Claims Attorney

We Handle a Full Range of Life Insurance Claims in Florida

At My Affordable Attorney, our Daytona Beach life insurance lawyer provides solutions-focused guidance and support to clients. The loss of a close loved one can be especially challenging to navigate. Life insurance is supposed to help by providing much-needed financial support. Sadly, too many people and families struggle to get their life insurance benefits paid in a timely manner. We can help. Contact us at our Daytona Beach law office for a free, no obligation, and completely confidential consultation with a top-rated Florida life insurance attorney.

What is Life Insurance?

Life insurance is a contract between a policyholder and an insurance company in which the insurer agrees to pay a designated beneficiary a sum of money upon the insured person’s death. In exchange, the policyholder makes regular premium payments to keep the coverage in force. The main benefit of life insurance is to provide financial security to beneficiaries, ensuring they are supported after the policyholder’s death. Life insurance is a form of financial protection for the beneficiaries of the policyholder.

It is often used to protect spouses, children, grandchildren, and other dependents. Not all causes of death are covered by life insurance; policies may specify what is and isn't covered, such as certain exclusions or contestability periods.

How Life Insurance Payouts Typically Work

Life insurance payouts are a crucial part of financial planning, designed to provide beneficiaries with essential support after the loss of a loved one. When a life insurance claim is filed, the process usually begins with the beneficiary submitting a claim to the insurance company, along with necessary documents such as the death certificate and details of the life insurance policy. The insurance company then reviews the claim, verifies the policy terms, and determines the amount of death benefits to be paid.

Most life insurance companies offer payouts as a lump sum, giving beneficiaries immediate access to the full amount of the insurance proceeds. However, some policies allow for alternative payout options, such as installments or annuities, which can provide ongoing financial support over time. It’s important for beneficiaries to carefully review their policy language and understand the available options before making a decision.

Under Florida law, insurance companies are generally required to pay claims within a set timeframe—often within 30 to 60 days after receiving all required documentation. Despite these guidelines, delays can occur if the insurer requests additional information, questions the validity of the claim, or if there are disputes regarding the beneficiary designation or policy coverage. In these situations, having an experienced life insurance lawyer on your side can make a significant difference. Life insurance lawyers can help ensure that the insurance company processes your claim fairly and in accordance with life insurance law.

Life Insurance Claim Denials

If a life insurance claim is denied, beneficiaries have the right to appeal the decision. An experienced life insurance attorney can assist in gathering evidence, preparing a strong appeal, and negotiating with the insurance company to secure the benefits you are entitled to. In some cases, legal action may be necessary, and a skilled life insurance lawyer can represent your interests in court to resolve disputes and fight for your rightful benefits.

Common reasons for life insurance claim denials include alleged misrepresentation on the application, lapses in premium payments, disputes over beneficiary status, or questions about the cause of death. Understanding these potential issues—and how to address them—can help beneficiaries avoid unnecessary delays or denials. Life insurance attorneys can also provide guidance on complex matters such as accelerated death benefits, multiple beneficiaries, and interpreting policy terms.

Navigating the life insurance claims process can be overwhelming, especially during a difficult time. By working with an experienced life insurance lawyer, beneficiaries can ensure their claim is handled efficiently, their rights are protected, and they receive the full benefits provided by their life insurance coverage. If you have questions about your claim or need legal assistance, don’t hesitate to seek a free consultation with a knowledgeable life insurance attorney.

Our Daytona Beach Attorneys Handle All Types of Life Insurance Claims

My Affordable Attorney is a boutique law firm with extensive experience handling insurance claims, including life insurance claims. No matter the specific situation that you are facing, we are here as a legal resource. Along with other types of life insurance cases, our Daytona Beach attorneys handle:

• Life Insurance Delay: Sadly, many people and families have to deal with major delays of their life insurance benefits. Life insurance companies sometimes delay paying valid claims by citing incomplete forms, missing documentation, or supposed ongoing “investigations” into the insured’s medical history or cause of death. Insurance companies are often responsible for delaying the payout of life insurance claims, causing unnecessary financial stress. Our firm understands the financial hardship these delays cause and can intervene when claims are unjustly delayed to expedite the process. We take immediate action to hold insurers accountable under Florida law and federal law. If you are dealing with an unjustified delay of benefits, please do not hesitate to contact our Daytona Beach life insurance attorney for a free case review.
• Life Insurance Denial: Even more stressful and frustrating than a delay is an outright denial of life insurance coverage. Life insurance claims may be denied for reasons such as alleged misrepresentations on the application, lapses in premium payments, or claims that the death resulted from excluded causes like suicide, substance use, or high-risk activities. Insurers sometimes also rely on outdated or inapplicable policy exclusions to justify their refusal. Insurance companies may deny claims, including valid life insurance claims, by unfairly denying benefits that are rightfully owed. We are ready to conduct a detailed claim review and investigation of a denial to contest denied claims and fight for your rights. You have the right to appeal, and our Daytona Beach, FL life insurance lawyers can help challenge insurers denying your claim.
• Dispute Over Life Insurance Proceeds: Disputes over life insurance proceeds can arise when multiple parties claim the same benefits, when the beneficiary designation changes shortly before the insured’s death, or when allegations surface that a beneficiary contributed to the death. These conflicts are often emotionally charged and legally complex. Our firm handles contested claims with precision, gathering evidence to support our client’s rightful claim. We represent clients in interpleader lawsuits to determine the rightful beneficiary and act on behalf of our clients in all beneficiary disputes. If you are in any type of dispute over life insurance proceeds, it is imperative that you have a top-rated attorney on your side.

Common Reasons Why Life Insurance Claims Are Denied in Florida

Was your life insurance claim denied? Life insurance claim denial is a serious issue, and the specific reason matters. You need to know exactly why the insurance company says that it made that decision so that you can take action to appeal. Some of the most common reasons why life insurance claims are denied in Florida include:

• Alleged Misrepresentations on the Application: Insurers may deny a claim by alleging that the policyholder provided false or incomplete information when applying for coverage.
• Failure to Disclose Medical History: An insurer might claim the policyholder failed to disclose pre-existing conditions or past treatments.
• Policy Exclusions: Life insurance policies contain exclusions, such as suicide within a specified period or deaths caused by certain high-risk activities
• Disputes Over Beneficiary Designations: Conflicts can occur when multiple parties claim the same proceeds or when a last-minute beneficiary change is challenged
• Bad Faith of the Insurance Company: Sadly, some insurers act in bad faith by using unreasonable delays, unsupported denial reasons, or outright misinterpretations of policy language to avoid paying. This can include denying legitimate claims without proper justification, leaving beneficiaries to fight for the benefits they are rightfully owed.

How Our Daytona Beach Life Insurance Attorney Can Help 

Life insurance claims and life insurance disputes can be complicated. Unfortunately, too many people and families struggle to get access to the full and fair payout that they are owed under the terms of a policy. That is not acceptable. At My Affordable Attorney, we hold big insurance companies accountable. With lower contingency fees, our firm is committed to providing the lowest-cost legal representation to clients. We work on a contingency fee basis, so you only pay a fee if we successfully recover money for you. When you contact us at our Daytona Beach law office, you will connect with a lawyer who can:



• Hear your story and answer your questions about the claims process;
• Gather, organize, and prepare all supporting documents and records;
• Handle any remaining life insurance paperwork;
• Negotiate with insurance companies on your behalf; and
• Develop a strategy focused on maximizing life insurance benefits.

Life Insurance Claims in Florida: Frequently Asked Questions (FAQs)

How long does a life insurance company have to pay a claim in Florida?

Under Florida law, insurers are generally required to pay life insurance claims within 60 days after receiving proof of death and all necessary documentation. However, delays do happen. 

What should I do if my life insurance claim is denied?

You should request the denial letter in writing and review the stated reasons carefully. You have the right to appeal a denial of life insurance benefits. Our Daytona Beach attorneys are ready to help. 

Who can dispute a life insurance beneficiary in Florida?

Many parties can do it. Potential heirs, family members, or other interested parties can challenge a beneficiary designation if they believe it was changed under fraud, duress, or undue influence.

Contact Our Daytona Beach, FL Life Insurance Attorney Today

At My Affordable Attorney, our Daytona Beach life insurance lawyer is skilled, experienced, and committed to protecting the rights of clients. If you have any questions about life insurance claims, please do not hesitate to contact us for a free, confidential consultation. With an office in Daytona Beach, we handle life insurance claims throughout the region, including in Volusia County, Seminole County, Lake County, Flagler County, and Brevard County.