How to Make a Life Insurance Claim
After a person dies who has life insurance, the next step is to file a life insurance claim. Dealing with life insurance companies can be very challenging, as they often scrutinize every statement made to see if the claim is filed properly and completely. If it is not, the claim could be denied.
Our office has helped many beneficiaries file a life insurance claim in Florida. If you are the beneficiary of a life insurance policy in Florida, you may have a limited time to make a claim. It also must be done properly. If you need help filing a life insurance claim in Florida, call a Florida life insurance attorney at the Law Offices of Jason Turchin today at (800) 337-7755 for a free consultation.
We are also open late, on holidays and on weekends for a free consultation. We also handle life insurance claims on a contingency fee basis, which means we only get paid if you recover money and waive all fees and costs if there is no recovery. We do not charge you any money out of pocket.
Contact the Insurance Company
One of the first steps to make a life insurance claim in Florida is to contact the life insurance company. They will generally take basic information and will send forms to complete, along with a request for other documents. You can also contact the life insurance agent to start the process. Some life insurance companies allow you to start the life insurance claim process online.
Gather All Documents
A life insurance claim is not like a typical car insurance or accident claim. There are various steps which may need to be completed in order for the insurance company to release the money. Proof of death is one of the factors the insurance company generally needs. This is usually done by obtaining a certified copy of the death certificate without cause. However, they may request the death certificate to have the cause of death listed if there is a possibility that the death may not qualify for coverage. If the life insurance wants you to give them a copy of the death certificate with cause, this is often a flag for us that the insurance company is looking for a reason not to pay. For example, if the policy is an accidental death and dismemberment policy, then they may not pay out if the death is from natural causes. In this case, a certified copy of the death certificate with cause of death listed may give the insurance company reason to deny the claim. However, there may have been contributing factors which lead to the death, like accidental drug overdose, or a fall which caused the person's health to deteriorate. In these cases, there could still be coverage, despite a finding of natural causes.
You may also need to verify your relationship to the deceased, with your identity documents. Some insurance companies may also ask about the hospital reports and other medical records. This too may be a red flag that the insurance company is questioning something on the policy and may be setting the claim up to deny it. You should contact a life insurance attorney at the Law Offices of Jason Turchin at 800-337-7755 with any questions or to see if we can assist with the life insurance claim.
it is also helpful if you have a copy of the policy document itself which is normally given at the time the policy is bought. The policy and any changes may tell who is entitled to make the claim, what type of policy it is, and what the policy limits are. To ensure that you comply with the claim process, you may need to look at the policy itself.
There are various ways to get paid on a life insurance policy, depending on the policy or the beneficiary. If the beneficiary is a trust or individual, the policy benefits could be paid to that beneficiary directly in general. However, sometimes the beneficiary on a life insurance policy is the Estate of the insured or policy owner. In this case, the policy benefits may have to go through a formal Probate process in order for the money to be disbursed. Our law firm has a Probate department that can assist in processing life insurance benefits for an Estate in Florida.
Payment to the beneficiaries can also be delayed if there is a dispute as to who is entitled to the proceeds. For example, if there was a last minute change to the beneficiary, the life insurance company may withhold paying money to either the new or previous beneficiary in order for the parties to work out their differences, or to file an interpleader lawsuit for life insurance benefits. Sometimes a beneficiary dies before the insured, and there is no contingent beneficiary. Under this circumstance, the policy usually states what happens to the money. Generally, it still gets paid to the Estate of the person who died and then goes through Probate.
Where To File Your Life Insurance Claim
We've handled life insurance claims against many life insurance companies. Here are some life insurance claim filing procedures:
Metlife - If you want to try to file a Metlife Life Insurance Claim on your own, you can go to their website here.
Transamerica - Transamerica generally requires a proof of death form to be submitted. You can see an example here.
AIG Life Insurance - AIG has a website where they give general instructions on filing a life insurance claim. You can view it here.
Banner Life - Banner allows you to start the life insurance claim process online here. It does not give you all of the documents you need to file, but the claim process can start with them.
American Income Life Insurance - American Income has different procedures to handle claims where the death occurred within 2 years of the policy becoming effective. You can get more information on their claims filing procedure here.
Protective Life - Protective gives basic information on filing a life insurance claim with Protective Life here.
Globe Life - Globe allows you to file a Globe Life insurance claim online, though we've handled many Globe life insurance denial claims. You can review their online claim procedures here.
State Farm - State Farm has basic information online to file a life insurance claim here. You may need to log into your account for more information, or contact us to help.
Colonial Life - You can begin a life insurance claim with Colonial Life online, which may be found here.
New York Life - New York Life may require you to get a Claims Packet either online or by calling them. You can find more information here.
American General Life Insurance - If you have a claim with American General, you can find more information about filing a claim with them here.
Getting Attorney Help With Your Life Insurance Claim
Getting life insurance help from a Florida life insurance attorney is advised especially when the insurance company starts to delay processing your claim. Feel free to contact us today for a free consultation at 800-337-7755 or submit your information using a contact form on our website. We will try to respond as soon as possible.
We can assist with life insurance claims anywhere in Florida. Most life insurance companies are not even based in Florida, and end up hiring attorneys in Florida to help them if needed.
Florida life insurance lawyers - File a life insurance claim in Florida