Life Insurance Disputes in Orlando, Florida

What Is Life Insurance? How Do Life Insurance Policies Work?

Life insurance is a contractual agreement between a policyholder and an insurance company, designed to provide financial protection to loved ones after the policyholder's death. In exchange for monthly or annual premium payments, the insurer promises to pay out a lump-sum death benefit to the named beneficiaries when the insured dies.

There are two primary types of life insurance policies:

• Term life insurance, which provides coverage for a set period (e.g., 10, 20, or 30 years). If the insured dies within the term, the beneficiaries receive the payout. If the term expires, coverage ends unless the policy is renewed or converted.
• Permanent life insurance, which includes whole life and universal life policies. These policies offer lifelong coverage and often include a cash value component that grows over time and can be borrowed against.

Policy terms vary, but most include a two-year contestability period, during which the insurer may investigate and deny a claim based on alleged misrepresentation. After that period, policies generally become incontestable, except in fraud cases.

What Should I Do if My Life Insurance Claim Is Denied in Orlando?

A life insurance claim denial can feel like a second loss, one that comes with financial uncertainty and emotional distress. But in Florida, you are not powerless. If your life insurance claim has been denied in Orlando, there are clear steps you can take to protect your rights and pursue the benefits your loved one intended you to receive:

1. Request a written explanation from the insurer. Florida law requires the company to state the specific reasons for denial, which often involves citing policy provisions, contestability issues, or alleged misrepresentations.
2. Do not accept the denial at face value. Insurance companies frequently deny claims based on technicalities or overbroad interpretations of policy language. These decisions can be challenged—and often overturned.
3. Gather all documentation related to the policy, including the original application, premium payment history, any correspondence from the insurer, and the denial letter itself.
4. Avoid making unnecessary statements to the insurer or signing waivers without legal guidance. What you say or agree to may be used to limit your rights later.
5. Contact an experienced Orlando life insurance attorney immediately. At Vargas Gonzalez Delombard, LLP, we can review your case, determine whether the denial was improper or made in bad faith, and take action to enforce your rights. We handle everything—from administrative appeals to full litigation in Florida state and federal courts.

Time is critical. Florida law sets strict deadlines for contesting denied claims, and insurers often bank on beneficiaries giving up. Don’t give them that advantage.

You Don’t Have to Face the Insurance Company Alone

Insurance companies have entire legal departments dedicated to minimizing payouts and maximizing profits. You deserve someone just as experienced—if not more—on your side. We’ve successfully taken on some of the largest insurers in the country—both in and out of court—and recovered millions on behalf of Florida families. If your claim has been delayed, denied, or devalued, we’re ready to take action. Schedule your free case evaluation today and put experienced counsel in your corner.