Daytona Beach, Florida 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. 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. 

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. Our firm understands the financial hardship these delays cause. 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. We are ready to conduct a detailed review and investigation of a denial. You have the right to appeal. Our Daytona Beach, FL life insurance lawyers can help. 
• 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. 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? 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.

How Our Daytona Beach Life Insurance Attorney Can Help 

Life insurance claims 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. 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; 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.