Life Insurance Lawyers in Florida

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You Don’t Have To Settle For A Denied Claim. Let Us Fight For You.

When you’ve lost a loved one, the last thing you should be worried about is fighting a denied life insurance claim.

Our Florida life insurance lawyers step in when an insurer disputes coverage, stalls payment, or refuses to release the death benefit.

Many life insurance carriers try to use policy wording or alleged errors in the application to justify refusing your payment. We examine whether the insurer’s explanation is supported by the policy, the evidence, and Florida law.

With 20+ years of experience, our life insurance lawyers have taken on hundreds of denied and delayed claims, ERISA group policy disputes, accidental death (AD&D) denials, and TSGLI cases.

We have recovered over $200 million for beneficiaries like you in all 67 Florida counties and across the country, including clients in California, New York, Texas, and New Jersey.

If the insurance company is standing between you and the benefit, we’re ready to challenge its decision.

“This was truly a difficult case, these guys are a true championship team.”

Hear From Beneficiaries We’ve Helped

“5 stars is just not enough for Mr. Boonswang (Chad) and his team. This is the firm that you want to have on your side when you are facing intricate legal problems. They are incredibly professional, empathetic, and knowledgeable. Excellent communication. Easy to work with. Chad went above and beyond on our case- we can't recommend Boonswang Law enough!”

“They have been awesome with my case. Joseph is an excellent attorney. He is competent with up to date knowledge, kindness and compassion. I would highly recommend and trust them.”

Fighting Life Insurance Denials in Florida

Florida law places specific limits on when an insurer can let a life insurance policy lapse, challenge an application, or delay payment of a death benefit.

Missed Premiums: Under Florida Statute § 627.453, life insurance policies generally stay in force for at least 30 days after a missed premium payment.

Extra Protection After Age 64: Under § 627.4555, many policies covering someone age 64 or older require an additional lapse notice before coverage can end. Policyowners can also name another person to receive that warning.

Two-Year Cutoff: Under § 627.455, insurers generally lose the right to contest the validity of a life insurance policy after it has been in force during the insured’s lifetime for two years, aside from limited statutory exceptions.

Application Errors: Under § 627.409, an incorrect application answer can affect coverage if it was fraudulent, material to the risk, or would have changed how the insurer issued the policy.

Interest on Unpaid Benefits: Under § 627.4615, interest generally begins when the insurer receives written proof of death and continues until the death benefit is paid.

What You Need To Know About Life Insurance Claim Denials

Florida insurers deny claims for reasons ranging from alleged application errors to policy lapses and exclusions.

The reason given in the denial should still be tested against the policy terms and the facts of the claim.

Common Reasons Life Insurance Claims Get Denied

Information on the application is disputed or questioned
Premium payments were missed, leading to a lapse
Policy exclusions related to cause of death
Disagreements over who should receive the benefit
Additional scrutiny during the contestability window

Signs the Insurance Company May Be Acting In Bad Faith

The claim drags on without updates or clear reasoning
Policy language is applied in a misleading way
Important medical details are ignored or downplayed
Coverage is revoked only after a claim is submitted

Florida Statute § 624.155 can provide a civil remedy in certain cases when an insurer fails to act fairly and honestly in handling or settling a claim.

For help with an insurance complaint or questions about your rights, Florida consumers can contact the Florida Department of Financial Services, Division of Consumer Services.

Whether you’re in Jacksonville, Miami, Orlando, or elsewhere in Florida, we can review whether the insurer has a lawful basis for withholding your benefit.

Which Type of Benefit Dispute Are You Facing?

A life insurance dispute may involve the policy itself, the application, the beneficiary designation, or how the insurer handled the claim.

Our life insurance lawyers help beneficiaries in Naples, Tampa, and across The Sunshine State in matters including:

Denied Life Insurance Claims

ERISA Group Life Insurance Claims

Accidental Death (AD&D) Denials

Beneficiary Disputes

Delayed Death Benefit Payments

Lapsed Policy Disputes

Alleged Misrepresentation on Applications

Employer Notice Failures

TSGLI Claims

If your issue doesn’t fit neatly into one of these categories, we can still review the claim and determine what is preventing payment.

Expert Legal Insights From Boonswang Law: Video Guides for your Claim

Facing a denied life insurance claim and not sure what to do next? Check out our full YouTube channel to learn more about your rights as a beneficiary and how we fight to get you paid.

Play

See How Much We’ve Recovered For Past Clients

$1.25M

ING Insurance Company

$1M

New York Life Insurance Company

$780K

AIG American General Life Insurance Co.

What To Do If Your Claim Is Denied

What you do after a denial can affect your ability to challenge it. Start by protecting the records tied to your claim.

Request the Full Denial Explanation

Ask the insurance company for the denial letter and any documents explaining why your claim was rejected.

Gather Your Policy and Claim Records

Keep copies of the policy, claim forms, correspondence, beneficiary information, and any other documents related to the claim.

Don’t Sign Away Your Rights

Don’t accept a reduced payout or sign a release until you know whether the policy may entitle you to more.

Speak With a Life Insurance Attorney

An attorney can identify which Florida or federal rules apply and evaluate whether the insurer’s position can be challenged.

Appeal and lawsuit deadlines can affect your rights, so a denied claim should not be left unanswered.

You Owe Us Nothing Until We Win For You

We handle Florida life insurance disputes on a contingency basis, meaning our fee comes from the recovery we obtain rather than an upfront payment from you.

When Insurers Deny Your Claim, We Push Back

Boonswang Law represents Florida beneficiaries through life insurance lawyers admitted in Florida and, when appropriate, attorneys admitted pro hac vice for a particular case with court approval.

When we take on a claim, our work can include:

Reading the policy and identifying the benefits at stake
Determining which Florida, federal, or other laws control the dispute
Comparing the insurer’s explanation with the policy and supporting evidence
Reviewing applications, medical records, claim documents, and other evidence that supports payment
Dealing directly with the insurance company
Preparing an appeal or filing suit when necessary

The goal is to make the insurer justify its decision under the policy and the law.

Representing Beneficiaries Throughout Florida

In addition to the following communities in Florida, Boonswang Law Firm represents policyholders throughout the Southeast, including those facing insurance disputes in South Carolina, North Carolina, and Louisiana.

Cape Coral
Coral Springs
Fort Lauderdale
Gainesville
Hialeah
Hollywood
Jacksonville
Miami
Miramar
Orlando
Pembroke Pines
Port St. Lucie
St. Petersburg
Tallahassee
Tampa

Denied Claim? You’re Not Out of Options. Get In Touch With Us.

If your Florida life insurance benefit was denied, delayed, or reduced, we can review what happened and explain what options are still available.

Questions We Hear From Beneficiaries Like You

Yes. Florida law can change the effect of a beneficiary designation after divorce, meaning an ex-spouse may no longer be entitled to the proceeds in some situations. The policy and other legal documents still need to be reviewed.

Possibly. Florida generally gives policyholders at least 30 days after a missed premium, and many insureds age 64 or older receive an additional lapse warning before qualifying coverage can end.

Yes. If there are questions about undue influence, fraud, or the policyholder’s mental capacity, that change can be legally challenged.

No. Beneficiary designations are locked in at the time of death, and any attempts to alter them afterward should be carefully reviewed.

The Florida Department of Financial Services points consumers to the NAIC Life Insurance Policy Locator, a free tool that can help find a deceased person’s missing life insurance policy or annuity.