Loosing a loved one is an intensely personal and emotional event. After you have begun the grieving process, your attention will eventually turn to filing the life insurance claim. While you expect the process to go smoothly, unfortunately there are times when the process is anything but a smooth process.
Some will discover that the life insurance policy was made out to the estate, leaving the payout to go through the probate process. Others will face interactions with the life insurance company that involve delays or denials of part or all of the insurance claim benefits.
You may run into claims of misrepresentation of preexisting conditions, documents that involve errors when the paperwork was filed, or a host of other complications relating to the insurance policy claim.
Some may even experience challenges to the life insurance policy as a result of competing life insurance policies as a result of an amended life insurance policy that does not coincide with the language of a Will, or accusations of undue influence or physical or mental inability to make such modifications to the life insurance policy.
In a perfect world, a life insurance claim would be paid out in a timely manner and without complications. If you are confronted with difficulties, delays, denials, or challenges regarding a life insurance policy, we urge you to call our office today. You should make sure your legal rights are aggressively protected, and you have an experienced life insurance policy attorney fighting in your corner.
At the Legal Action Network, we believe that no-one should suffer from being a victim by their own insurance company. When a you are being delayed or denied part or all of your loved ones insurance benefits following their passing…
We Give Justice a Voice!
We will thoroughly review your case and help determine if the life insurance company is treating you unfairly or wrongfully denying or challenging your right to the life insurance policy benefits. If it appears that your are entitled to the life insurance benefits, we will aggressively fight to ensure your voice is heard and the life insurance company is held accountable for the benefits that you are entitled to.
Generally, Life Insurance Policies will have to be involved in the Probate process, with some exceptions. The language (or intent) of the policy holder may help determine if the Life insurance policy will be involved in probate or not.
If the life insurance policy involves the estate and the estate has debt, the life insurance policy will be a part of the probate process, and will involve paying debts held by the estate.
If the policy holder passes on and beneficiaries of the life insurance policy. the life insurance policy names specific individuals as the beneficiaries who are still alive, creditors may be barred from trying to collect on the debt from the life insurance policy payout.
If the beneficiaries of the insurance policy have died, the moneys for the life insurance policy payout will become a part of the estate, and will be distributed in accordance of the will following the probate process. Because in this case the moneys become a part of the estate, creditors may make claims against the estate to recover the debt that is owed.
If the life insurance policy does not specify beneficiaries of the life insurance policy, the payout will become a part of the estate, and process will be the same as in the paragraph above.
In some cases, one family member trusted individual of the policy holder may have a copy of the life insurance policy, only to later find out that the life insurance policy was changed by the policy holder prior to his or her passing, and a copy of the amended life insurance policy was not given to anyone. In this situation, it could lead to challenges of the competing insurance policies. One or more parties involved may try and claim undo influence or the policy holder was not in a physical or mental state to make the change in a state of sound mind and body.
At the Legal Action Network, we believe that no-one should suffer from being a victim by their own insurance company, and that the process of a life insurance policy payout should go as smoothly as possible.. When a you are being delayed or denied part or all of your loved ones insurance benefits following their passing…
We Give Justice a Voice!
We will thoroughly review your case and help determine if the life insurance company is treating you unfairly or wrongfully denying or challenging your right to the life insurance policy benefits. If it appears that your are entitled to the life insurance benefits, we will aggressively fight to ensure your voice is heard and the life insurance company is held accountable for the benefits that you are entitled to.
Before you file a Life Insurance Claim, you must obtain the proper “Proof of Death” documents.
One of these documents is the Death Certificate.
Additional “Proof of Death” documents that may be requested by the Life Insurance Company may also include:
The reason it may be necessary to obtain some of these documents prior to filing a life insurance claim is to ensure the life insurance company will not be able to purposefully slow down the process by requesting additional documents at different stages of the review process.
You should also verify that all premiums and life insurance policy payments were up to date at the time the policy holder passed away.
When filing a life insurance policy, the biggest mistake most people make is tasking their time to ensure all of the forms are accurately and completely filled out properly. Even the smallest of paperwork errors could set you back months in receiving the life insurance benefits, could cause intentional delays by the life insurance company, or even result in an initial denial of the life insurance claim.
If you want to ensure your life insurance claim documentation is in order and eliminate attempts to delay your life insurance claim benefits, it is highly advised to seek the advice and representation of and experienced and aggressive life insurance claim attorney.
At the Legal Action Network, we believe that no-one should suffer from being a victim by their own insurance company. When a you are being delayed or denied part or all of your loved ones insurance benefits following their passing…
We Give Justice a Voice!
We will thoroughly review your case and help determine if the life insurance company is treating you unfairly or wrongfully denying or challenging your right to the life insurance policy benefits. If it appears that your are entitled to the life insurance benefits, we will aggressively fight to ensure your voice is heard and the life insurance company is held accountable for the benefits that you are entitled to.
When a life insurance policy holder passes away, while you believe they will simply pay out on the policy, the first thing Life Insurance Companies will actually do is look into any reason that the policy can be deemed to be voided and deny the Life Insurance Claim benefits.
One of the things they will do is seek to find out if the policy holder misrepresented ANY part of their medical history or reporting of preexisting conditions while signing up for the life insurance policy.. The Life Insurance Company may dig so deep that they may even try and claim that a reasonable and unintended error in the paperwork may be grounds to void or deny the life insurance policy benefits.
They may often misinterpret a simple medical test as a procedure or try to establish a preexisting condition that did not officially medically exist.
If the insurance company is using what they may attempt to establish as a preexisting condition, you should immediately contact an experienced life insurance claim attorney who will aggressively fight to protect your legal rights.
At the Legal Action Network, we believe that no-one should suffer from being a victim by their own insurance company. When a you are being delayed or denied part or all of your loved ones insurance benefits following their passing…
We Give Justice a Voice!
We will thoroughly review your case and help determine if the life insurance company is treating you unfairly or wrongfully denying or challenging your right to the life insurance policy benefits. If it appears that your are entitled to the life insurance benefits, we will aggressively fight to ensure your voice is heard and the life insurance company is held accountable for the benefits that you are entitled to.
Generally, there you should file your life insurance claim as soon as possible, but it is recommended that you file a life insurance claim within 2 years. Although, as long as the policy was active and the premiums were paid up to date at the time of the insured individuals passing, and there is no grounds for the insurance company to dismiss the claim, there technically there is no time limit to file a life insurance claim.
Florida law provides an insurance company up to 2 years to challenge a life insurance claim payout. This 2 year clock starts when the life insurance claim has been filed and received by the life insurance company. This mean that you cannot get around the potential for a life insurance claim to be contested by the life insurance company by delaying when you file the claim.
At the Legal Action Network, we believe that no-one should suffer from being a victim by their own insurance company. When a you are being delayed or denied part or all of your loved ones insurance benefits following their passing…
We Give Justice a Voice!
We will thoroughly review your case and help determine if the life insurance company is treating you unfairly or wrongfully denying or challenging your right to the life insurance policy benefits. If it appears that your are entitled to the life insurance benefits, we will aggressively fight to ensure your voice is heard and the life insurance company is held accountable for the benefits that you are entitled to.
In the State of Florida, if an individual has designated a spouse as the beneficiary of his or her life insurance policy, and the spouses get divorced before the policy holder passes away, the entry of the Judgment of Divorce automatically invalidates the ex-spouse as the designated beneficiary of the life insurance policy.
This is common when the ex-spouse that holds the insurance policy either forgets to update the life insurance policy following a divorce, or if the policy holder did not have time to amend the life insurance policy before passing away.
If the spouses are in the process of getting divorced, and the divorce has not been finalized before the passing of the policy holder, that can be a whole new situation which will most likely end up in civil litigation between the surviving spouse that was involved in the divorce process and other blood relatives of the deceased policy holder.
The only way that an ex-spouse may still be the legal and recognized beneficiary is if the life insurance policy holder reaffirms the ex-spouse as the beneficiary AFTER the divorce decree has been entered.
At the Legal Action Network, we believe that no-one should suffer from being a victim by their own insurance company. When a you are being delayed or denied part or all of your loved ones insurance benefits following their passing…
We Give Justice a Voice!
We will thoroughly review your case and help determine if the life insurance company is treating you unfairly or wrongfully denying or challenging your right to the life insurance policy benefits. If it appears that your are entitled to the life insurance benefits, we will aggressively fight to ensure your voice is heard and the life insurance company is held accountable for the benefits that you are entitled to.
We believe that no-one should suffer from being a victim by their own insurance company. When a you are being delayed or denied part or all of your loved ones insurance benefits following their passing. We are ready to give justice a voice!
If your life insurance claim is being denied, delayed unnecessarily, or is being disputed by the life insurance company, we are ready to fight for you. Call us Toll Free 833.701.9222 to discuss your life insurance claim dispute. Get someone on your side who will be honest and direct. Call today.
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