Life Insurance Claims


Why do insurance companies delay or deny life insurance claims?

Often times, Florida life insurance companies deny or delay payment of a legitimate life insurance policy claim.  Some reasons for non-payment of a Florida life insurance claim include:

  • Misrepresentation on the life insurance application by the deceased individual
  • Failure to disclose medical history on the life insurance application
  • Non-payment of premiums
  • Failure to pay premiums
  • Exclusions listed in the policy
  • Alcohol use
  • Drug use
  • Death caused by an accident
  • Suicide of the insured
  • Delays for incomplete or inaccurate life insurance claim forms
  • Delays for failure to produce a death certificate or proof of death
  • Delays during investigation into medical history of decedent

Whether you need an attorney to help you negotiate with a life insurance company is a complex question, we can help you with the answers.

Where do you handle Florida Life Insurance Cases?

Throughout all of Florida, we are licensed to practice throughout the entire state of Florida.  Our offices are located in Lake City and Gainesville, however, we will find you an attorney experienced in dealing with insurance companies at no additional charge.  Our name is on the line and we will find you the most reputable attorneys in your area.

Koberlein Law Offices handles insurance claims and insurance matters representing the beneficiaries of insurance policies in Lake City, Columbia County, Gainesville, Alachua County, and around, Live Oak, Suwannee County; Jasper, Hamilton County; Mayo, Lafayette County; Madison, Madison County; and Trenton, Gilchrist County.  

Can you take my life insurance case on a contingency?

Yes.  We handle all life insurance claims on a contingency fee basis, with no fees or costs if no recovery.  In fact, under certain circumstances, Florida law may require the life insurance company to pay the attorneys' fees and costs.

Did you know your life insurance company may not be able to contest the policy after 2 years?

Florida law requires life insurance policy to be incontestable after it has been in force during the lifetime of the insured for a period of 2 years from its date of issue except for nonpayment of premiums.

If you are in a dispute with your insurance company or have a claim that was delayed, denied, or undervalued, contact us for a free consultation.

Don't Go Into The Courtroom Alone

Whether it's a personal injury case, a criminal case, or an administrative dealing with the government, you will want a dedicated attorney at your side. We take each case very seriously, and we are dedicated to getting our clients the success they deserve.