Life Insurance Lawyer Tampa Fl
"Life Insurance Lawyers for Tampa, FL – The Lassen Law Firm" In Tampa, a city where coastal charm meets bustling urban life, navigating life insurance claims can still be a frustrating and overwhelming process—especially if benefits are unfairly denied or delayed. At The Lassen Law Firm, we are committed to helping families and individuals in Tampa secure the financial security they deserve. Whether you’re near the vibrant downtown area, the serene Bayshore Boulevard, or in the surrounding neighborhoods, we provide trusted legal expertise and personalized support to guide you through the complexities of the claims process. Our experienced and trusted Florida life insurance lawyers are here to help.
With a proven track record of recovering hundreds of millions in life insurance claims nationwide, The Lassen Law Firm delivers compassionate representation, relentless advocacy, and trusted results for Tampa residents seeking justice in insurance disputes.
2025 Tampa Fl Denied Life Insurance Claims
- TIAA interpleader dispute $105,000.00
- New Era coronavirus fatality denied $45,000.00
- UNUM denial for COVID-19 death $101,000.00
- Foresters Financial denied life insurance claim $16,000.00
- AFBA coronavirus death benefits rejected $39,000.00
- State Farm autoerotic asphyxiation death claim $203,000.00
- Transamerica suicide exclusion $49,000.00
- Allstate beneficiary dispute change form $103,000.00
- United Republic COVID-19 fatality denied $108,000.00
- American Enterprise chronic illness exclusion $40,000.00
- Nationwide delayed life insurance claim $12,000.00
- Tampa Florida denial of death benefits $35,000.00
- Genworth felony exclusion $29,000.00
- Accidental Death & Dismemberment Tampa FL $280,000.00
Questions about life insurance claims in Tampa, Florida
Can a Tampa life insurance claim be denied if the policyholder missed their last premium by a few days?
Not necessarily. If the missed payment falls within the policy's grace period—usually 30 days—the claim should still be honored. Lack of proper lapse notices can also make a denial unlawful under Florida law.
What if a Tampa policyholder changed their beneficiary shortly before death and the family suspects manipulation?
Beneficiaries can challenge last-minute changes if there’s evidence of undue influence, fraud, or diminished capacity. Florida probate courts often handle these disputes with testimony and medical records.
Can a life insurance claim in Tampa be denied if the death was ruled “undetermined”?
Temporarily, yes. Insurers may delay payment while waiting for a finalized cause of death. Once clarified, the beneficiary can push to have the claim honored.
Do Tampa insurers investigate all life insurance claims filed shortly after policy issuance?
Yes, if the death occurs within two years, insurers can review the application under the contestability clause. Minor inaccuracies typically don't void coverage unless they were material to risk evaluation.
Can a Tampa life insurance claim be denied due to the insured’s involvement in illegal activity?
Yes, if the death resulted directly from committing a felony. However, insurers must clearly prove the connection to deny a claim under a criminal activity exclusion.
What if the life insurance company in Tampa refuses to release the claim decision in writing?
Beneficiaries are entitled to a written explanation for denial under Florida law. Filing a complaint with the Florida Office of Insurance Regulation or hiring an attorney may be necessary to compel compliance.
Can a Tampa life insurance policy be declared void if the insurer claims the application was incomplete?
Only if the missing information was material to underwriting. If the insurer issued the policy knowing about omissions, courts may still enforce coverage.
Are Tampa group life insurance policies harder to contest than individual ones?
Yes. Group policies are often governed by ERISA, which imposes strict deadlines and preempts some Florida protections. Beneficiaries must act quickly if they intend to appeal or sue.
What if a Tampa beneficiary finds out the policy was changed without the insured’s knowledge?
Unauthorized changes can be challenged legally. If the insurer cannot prove the change was made by the policyholder, the original beneficiary may be reinstated.
Can a Tampa life insurance claim be denied if the insured died while traveling outside the country?
Only if a specific foreign death exclusion applies. Otherwise, insurers must honor claims for deaths occurring abroad once proper documentation is provided.
What happens if a Tampa life insurance policy lists two beneficiaries who disagree on how to split the payout?
Insurers will usually split the payout evenly unless the policy specifies otherwise. Disputes may lead to an interpleader lawsuit for court resolution.
Can a life insurance claim in Tampa be denied based on outdated application information?
Only if the outdated information was material. Minor details like old addresses typically don’t affect claim eligibility unless tied directly to underwriting risk.
Is it legal in Tampa for an insurance company to deny a claim because of an unreported secondary policy?
No. Insurers cannot deny claims solely because the insured had other life insurance unless disclosure was specifically required and material to underwriting.
What if a Tampa resident had life insurance through work but was terminated before death?
If the employer failed to offer conversion rights or misinformed the employee, the employer may face liability for lost coverage benefits.
Can a Tampa insurer delay a life insurance payout if they suspect suicide but it occurred after two years?
No. After the initial two-year period, Florida law requires payment for suicide deaths unless fraud is involved.
Does a Tampa life insurance company have to notify a beneficiary about the existence of a policy?
No, beneficiaries must typically learn about the policy and initiate a claim themselves. Florida’s unclaimed property search tools can help locate lost policies.
Can a Tampa claim be denied if the insured answered "no" to a medical question but forgot about a diagnosis?
Only if the insurer proves the omission was intentional and material to the risk assessment. Innocent oversights often do not justify denial.
What can a Tampa beneficiary do if the life insurance company keeps requesting more documentation?
Beneficiaries can demand justification for ongoing delays. If bad faith is suspected, they can file a formal complaint or sue under Florida’s insurance laws.
Can a Tampa insurer deny a claim because the policyholder didn’t disclose mental health treatment?
Only if the omission was deliberate and material. Minor or unrelated mental health treatments are unlikely to justify denial under Florida law.
Are handwritten life insurance beneficiary forms accepted by insurers in Tampa?
Only if the handwritten form was properly submitted and accepted by the insurer. Informal notes or wills do not override official beneficiary designations without court intervention.
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).