Life Insurance Claims

Section 624.602 of the Florida Statutes defines life insurance as insurance of human lives. A life insurance policy is a contract between an insurance company and a policyholder, where the policyholder agrees to pay a premium and in return, the insurance company agrees to pay an amount of money to a beneficiary named by the policyholder upon the insured’s death. The two most common types of life insurance are:

  1. Term Life Insurance, which offers low cost insurance over a set number of years
  2. Whole Life Insurance, which may build cash value and death benefits over time

Since life insurance policies typically pay out substantial sums of money, insurance companies will often use any kind of excuse not to pay the beneficiary. Some of the most common reasons that insurance companies will use not to pay policy benefits are:

  1. That the policyholder failed to designate a proper beneficiary;
  2. That the cause of death on the Death Certificate is unclear;
  3. That the policyholder made a misrepresentation on the application for life insurance;
  4. That some kind of fraud was committed on the insurance company.

It is worth noting that should a life insurance company deny your claim, they must provide you with the specific reason for their denial, the provision of the policy on which such denial is based and the procedure you must follow to appeal their decision.

Miami Life Insurance Claims Attorney

The language in a life insurance policy usually tends to include many technical terms with which most of us are not familiar. Therefore, unless you are experienced with these matters, it is advisable to have a Miami life insurance claims attorney help you deal with your insurance company from the inception of your case. This will help you avoid errors or omissions that may afterwards cost you dearly. Under the law, the insurance company may be liable for your attorney fees and costs.

Regardless of what type of life insurance claim you need help with, Greenberg, Stone & Urbano can assist you in the recovery of the compensation you may be entitled to. Our Miami life insurance claims attorneys have more than 100 years of combined experience helping clients with their life insurance claims.

Below please find useful links that take you to pages where we offer valuable information regarding different types of insurance policies, as well as the types of insurance cases that our firm handles.

Property Insurance Claims

Motor Vehicle Insurance Claims

Hurricane Damage Claims


1 To read F.S. Section 624.602 in its entirety go to:
http://statutes.laws.com/florida/TitleXXXVII/chapter624/PARTV/624_602