Life Insurance Lawyer Fort Lauderdale Fl
"Life Insurance Lawyers for Fort Lauderdale, FL – The Lassen Law Firm" In Fort Lauderdale, known for its picturesque canals and sunny beaches, navigating life insurance claims can still be a daunting experience—especially when benefits are wrongfully delayed or denied. At The Lassen Law Firm, we are committed to helping families and individuals in Fort Lauderdale secure the financial peace of mind they deserve. Whether you’re near the lively Las Olas Boulevard, the tranquil neighborhoods along the Intracoastal, or anywhere in Broward County, we offer trusted legal expertise and personalized support every step of the way. Our experienced and trusted Florida life insurance lawyers are here to help.
With a nationwide record of recovering hundreds of millions in life insurance claims, The Lassen Law Firm brings compassionate care, relentless advocacy, and proven results to Fort Lauderdale residents seeking justice in insurance disputes.
2025 Fort Lauderdale Fl Denied Life Insurance Claims
- USAA interpleader claim we won $85,300.00
- American Income Life denied claim $97,000.00
- Gleaner coronavirus denial case $55,000.00
- Ohio National dispute beneficiary $112,000.00
- Wells Fargo lapse of policy payments $29.000.00
- Metlife misrepresentation smoking $84,000.00
- Lumico delayed life insurance claim $32,000.00
- AAA auto-erotic asphyxiation claim denial $91,000.00
- Fort Lauderdale denial death benefits $40,000.00
- HDFC wrong social security number $79,000.00
- American Family sickness exclusion $27,000.00
- COVID 19 death not known illness exclusion $500,000.00
- Fort Lauderdale denied AD&D claim $84,000.00
Questions about life insurance claims in Fort Lauderdale, Florida
Can a Fort Lauderdale life insurance claim be denied if the insured forgot to list a previous surgery?
Yes, but only if the omission was material and discovered within the contestability period. For instance, if a Fort Lauderdale resident omitted a minor appendix surgery from years ago that had no link to their death, the denial could be contested successfully.
What happens if a life insurance policy in Fort Lauderdale was canceled but the insured never received notice?
Florida law requires insurers to mail proper lapse warnings. If a Fort Lauderdale policyholder never received a lapse notice because it was sent to an old address, their beneficiaries may challenge a denial based on improper notification.
Can a life insurance claim be denied in Fort Lauderdale due to the insured’s death involving alcohol?
Yes, but only if alcohol directly caused the death. For example, if the insured died in a car crash with a high blood alcohol level and the policy had a specific intoxication exclusion, the insurer might deny an accidental death rider claim—but not necessarily the base life benefit.
What if a Fort Lauderdale policyholder changed the beneficiary shortly before death and family members suspect coercion?
If a terminally ill policyholder suddenly named a new acquaintance as the sole beneficiary, prior family members could contest the change in Florida probate court based on undue influence or lack of mental capacity.
Does Florida law protect Fort Lauderdale beneficiaries from excessive life insurance claim delays?
Absolutely. If an insurer drags out a valid claim without legitimate reason, Fort Lauderdale beneficiaries can sue for bad faith and may recover not only the death benefit but also attorney’s fees and extra damages.
Can a Fort Lauderdale life insurance claim be denied if the insured died while engaged in criminal activity?
Yes, but only if the death occurred during a felony. For example, if the insured died during a robbery attempt, the insurer could deny the claim if the policy had a felony exclusion.
What if a Fort Lauderdale life insurance policy was sold with incorrect information by an agent?
If an agent misrepresented important facts—such as falsely promising no contestability period—the insurer can be held responsible for the agent’s misconduct under Florida’s insurance regulations.
Can a life insurance claim be denied in Fort Lauderdale if the policyholder died overseas?
Not usually. A Fort Lauderdale resident who died while visiting Europe would still be covered unless the policy specifically excluded deaths abroad or in high-risk travel regions.
What if a Fort Lauderdale resident's group life insurance claim is denied after job termination?
If the employer failed to offer the insured a chance to convert or continue coverage after termination, the employer may be liable for the full death benefit. This often occurs when HR departments mishandle paperwork.
Is a claim valid in Fort Lauderdale if the insurer says the policyholder misrepresented tobacco use?
Possibly. If a Fort Lauderdale applicant said they were a non-smoker but medical records indicate occasional smoking, the insurer might contest the claim during the contestability period. But if death was unrelated to tobacco, the denial could be overturned.
Can a handwritten change to a beneficiary designation override the official record in Fort Lauderdale?
No. Only beneficiary changes properly submitted and accepted by the insurer are valid. A Fort Lauderdale policyholder’s handwritten note tucked in a drawer won't override the official records unless accepted by the company.
What if the life insurance company in Fort Lauderdale denies a claim and refuses to explain why?
Beneficiaries can demand a formal written denial. If the insurer refuses, filing a complaint with the Florida Department of Financial Services or hiring a lawyer can force them to comply.
Can a Fort Lauderdale life insurance policy lapse while on automatic payments?
It shouldn’t happen. If a Fort Lauderdale policyholder had auto-draft set up and funds available, a lapse could be insurer error, and a denial based on nonpayment could be challenged with bank records.
Does Florida's slayer statute apply to life insurance disputes in Fort Lauderdale?
Yes. If a Fort Lauderdale beneficiary is convicted or found civilly responsible for the insured’s death, they are legally barred from receiving life insurance benefits under Florida’s slayer statute.
Can a Fort Lauderdale life insurance claim be denied due to suicide?
Only if the death occurred within the two-year suicide exclusion window. After that period, insurers must pay out regardless of cause, including suicide.
Are policies purchased in Fort Lauderdale still valid if the insured moves out of state?
Yes. A Fort Lauderdale resident who later moved to Georgia would still be covered, provided premiums remained current. Life insurance portability is nationwide.
What if a Fort Lauderdale life insurance claim is denied due to an unpaid rider but the base policy is valid?
Only the extra benefits tied to the unpaid rider—like accidental death—can be denied. The basic death benefit under the main policy must still be paid if coverage was in force.
Can adult children in Fort Lauderdale challenge a life insurance payout going to a much younger beneficiary?
Only with evidence of wrongdoing. For instance, if an elderly insured suddenly named a caregiver as the sole beneficiary while heavily medicated, adult children could file a legal challenge.
Can a claim in Fort Lauderdale be reopened years later if it was originally denied without full investigation?
Yes. If the original denial lacked proper investigation and new facts emerge, Florida law permits beneficiaries to reopen claims—even years after the insured’s death.
What should Fort Lauderdale beneficiaries do if they suspect the insurer is stalling a life insurance claim?
They should keep records of all communications and submit a formal written demand for action. If delays continue without justification, filing a bad faith lawsuit under Florida statutes may be the next step.
For more information on insurance regulations and consumer protections in Florida, you can visit the Florida Department of Financial Services or explore nationwide insurance resources through the National Association of Insurance Commissioners (NAIC).