Life Insurance Lawyer Orlando Fl
"Life Insurance Lawyers for Orlando, FL – The Lassen Law Firm" In Orlando, a city renowned for its world-famous attractions and vibrant communities, navigating life insurance claims can still be a daunting task—particularly when benefits are unfairly delayed or denied. At The Lassen Law Firm, we are committed to helping families and individuals in Orlando secure the financial protection they rightfully deserve. Whether you’re near the bustling International Drive, the enchanting Lake Eola, or anywhere across Orange County, we provide trusted legal expertise and personalized support to guide you every step of the way. Our experienced and trusted Florida life insurance lawyers are here to help.
With a proven history of recovering hundreds of millions in life insurance claims nationwide, The Lassen Law Firm brings compassionate care, relentless advocacy, and trusted representation to Orlando residents seeking justice in insurance disputes.
2025 Orlando Fl Denied Life Insurance Claims
- Simplified Life COVID-19 fatality rejected $112,000.00
- Globe delayed life insurance claim $101,300.00
- AD&D claim in Orlando Florida won $88,000.00
- Equitrust Life coronavirus death case $60,000.00
- American United interpleader claim $75,000.00
- USAA denied life insurance claim $126,000.00
- Orlando Florida denial death benefits $38,000.00
- Catholic Life lapse of premiums won $100,000.00
- United Home Life felony exclusion $22,000.00
- John Hancock auto-erotic asphyxiation death $201,000.00
- Stonebridge beneficiary dispute $104,000.00
- Assuirty delay life insurance claim $32,000.00
- Zander denial of life insurance benefits $38,000.00
- Family Heritage act of war exclusion $20,000.00
- United Life wrong age on application $12,000.00
Questions about life insurance claims in Orlando, Florida
Can a life insurance company in Orlando deny a claim due to a misstatement if the insured died after the contestability period?
Generally, no. After two years, Florida law restricts insurers from denying claims based on misstatements unless they can prove intentional fraud. Minor inaccuracies typically cannot justify denial once the contestability window closes.
What should an Orlando beneficiary do if the life insurance company refuses to explain the reason for denial?
Beneficiaries should request a written denial letter outlining the specific reasons. If the insurer refuses, a complaint can be filed with the Florida Department of Financial Services, and legal counsel may be needed to escalate the matter.
Can a life insurance claim in Orlando be denied if the policyholder was being treated for a condition they didn’t report?
Yes, if death occurs during the contestability period and the omitted condition was material to underwriting. However, denials can be challenged if the condition was unrelated or minor.
Does a life insurance claim get denied in Orlando if the insured died during a dangerous hobby?
Only if the policy specifically excluded the activity, such as skydiving or racing. Florida courts often interpret ambiguous exclusions in favor of beneficiaries.
What if an Orlando employer told an employee they had life insurance, but no coverage was ever activated?
If an employee relied on the employer’s promise, the employer may be liable for the lost benefit. Beneficiaries can pursue legal claims for negligent misrepresentation or benefits denial.
Can a life insurance policy in Orlando be invalidated if the application was filled out by an agent, not the policyholder?
Not automatically. If the applicant signed in good faith, the insurer may still be bound to the policy under Florida law, which holds insurers responsible for their agents' actions.
Is it possible for a life insurance policy to lapse in Orlando without proper notice to the policyholder?
No. Florida law requires insurers to provide advance written notice of nonpayment and potential lapse. Failure to do so can invalidate a denial based on nonpayment.
Can a beneficiary in Orlando challenge a last-minute change to a life insurance policy?
Yes. If there’s evidence of coercion, fraud, or lack of mental capacity, the change can be challenged in Florida probate court.
Can a life insurance claim in Orlando be denied if the cause of death was ruled accidental but the policy lacked an AD&D rider?
Yes. If the base policy did not include an accidental death rider, the payout would only cover the standard death benefit, not an enhanced accidental death amount.
What if the Orlando insurer claims the policy was never approved, but the policyholder had a copy?
If the insured received documents and paid premiums, Florida courts often consider the policy active and enforceable, even if internal insurer records suggest otherwise.
Can an Orlando life insurance company deny a claim for suicide if it occurred more than two years after policy issuance?
No. After two years, the suicide exclusion expires, and the insurer must pay the claim in full, regardless of the cause.
Do Orlando courts uphold handwritten notes changing life insurance beneficiaries?
Only if the change was received and approved by the insurer before death. Private notes not submitted to the insurer usually carry no legal effect.
What happens if the life insurance proceeds in Orlando are paid to a deceased beneficiary?
If no alternate beneficiary is named, the proceeds usually pass to the insured’s estate and become subject to probate and creditor claims.
Can a sibling in Orlando contest a life insurance claim paid to a romantic partner?
Only if they can prove fraud, undue influence, or lack of capacity. Otherwise, Florida law respects the documented beneficiary designation.
What if an insurer in Orlando says the claim is denied because the policy was never activated, but the insured paid premiums?
Premium acceptance often implies policy activation. Beneficiaries can argue breach of contract or unjust enrichment if the insurer tries to deny after accepting payment.
Is a denied life insurance claim in Orlando eligible for a bad faith lawsuit?
Yes. Florida law allows bad faith claims if an insurer unreasonably delays or denies payment without a legitimate basis, potentially leading to extra damages and attorney’s fees.
Can a life insurance claim in Orlando be denied if the policyholder had multiple policies and didn’t disclose them all?
Not unless the application explicitly asked about other coverage and the omission materially affected risk assessment.
What if the insurer claims a signature on the beneficiary change form doesn’t match previous documents?
Beneficiaries can demand a handwriting analysis or court review. Florida courts closely examine allegations of forgery or fraud in beneficiary disputes.
Can a life insurance claim in Orlando be denied due to an unsigned application?
Only if the insurer conditioned issuance on a signed application. If the insurer issued the policy and accepted premiums without insisting on a signature, Florida courts may enforce coverage.
Are life insurance proceeds in Orlando exempt from being claimed by the deceased’s creditors?
Yes, as long as there is a living named beneficiary. If the payout reverts to the estate, creditors may pursue the funds during probate.
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).