Ways They’ll Try to Deny

Depending on the situation and the company in question, the bereaved family or hobbled business may face one or more of the following ploys:

• Retroactive Cancellation: The insurance company will claim that the policy was voided, expired, or wasn’t paid for prior to the death.
• Death Doesn’t Qualify: It will claim that the way the policyholder died is not covered.
• Misrepresentation: It will allege that the policyholder misrepresented essential facts about himself or herself in the agreement, therefore voiding the policy.

This is not an exclusive list. Insurance companies are exceedingly creative because denying claims means more money in their pocket.

Reasons Insurance Companies Give for Denials

Insurance companies have a duty to act in good faith when dealing with their customers. If they unfairly deny or delay payment of a claim, they may be acting in bad faith. Examples of bad faith insurance practices include:

The contestability period is usually a one or two-year period of time when an insurer has the right to deny benefits if there were mistakes made on the application. The insurer also may deny paying benefits by claiming the deceased deliberately misled the insurance company about his or her health or other condition that might lead to an earlier-than-expected death.

How We’ll Fight for You

To start, Baron, Herskowitz, and Cohen will review your case for free. And if we take your case, it will still be free. We work on a contingency fee basis, which means we get paid only if you win. And free means free — we won’t charge you for outside expenses like investigations or expert witnesses. In addition, in many of our cases, we are able to force the insurance company to pay our attorney fees and costs if we win.

Your insurance company won’t be happy to hear you’ve hired us. We have a well-earned reputation for being willing to do whatever it takes for our clients, including going to trial if we have to.

Our team of experts and investigators will carefully go through the details, circumstances, and fine print of your case and insurance contract. Flimsy excuses and unfounded assertions will fade away, and your chances of getting your benefits will greatly improve.

Call Us – Don’t Give Up

It’s important that you call us right away. The faster we get involved, the sooner your case might be resolved in your favor and the less likely you’ll miss an important detail that could cause problems if not dealt with in time.

Call us now for your free, no-obligation consultation.

Consult a Miami Insurance Disputes Lawyer

If the life insurance company gives you any of the above reasons for denying benefits, you should immediately seek the advice of a life-insurance attorney.

In the state of Florida, once a complaint is filed, insurance companies legally must respond to the Department of Financial Services, Division of Consumer Services within 20 days. The sooner you get in touch with your lawyer, the sooner the process begins of your being properly paid by a fraudulent life insurance company.

To speak with an experienced and highly respected insurance disputes lawyer in the Miami area, contact Baron, Herskowitz, and Cohen today. We represent individuals and families in a wide range of insurance disputes in Miami and across the state of Florida.