If you made a life insurance claim in Florida that is being denied or delayed, you may need to find the best life insurance attorney in Florida for your case. When trying to find the top life insurance attorney, there are some things that you should consider.
How does the life insurance attorney get paid?
One of the misconceptions that people have when their life insurance claim is denied, is that they can’t do anything about it. Some of the top floor like insurance attorneys get it on a contingency fee, which means you do not have to pay them any money at all out-of-pocket. The only get paid if they recover money for you on the policy.
There are some life insurance attorneys in Florida who may ask you for a retainer, or for payment for an initial consultation. However some of the best Florida life insurance attorneys offer free consultations and work on a contingency fee.
How much experience does the Florida life insurance attorney have?
An experienced life insurance attorney knows the various types of life insurance claims that could be filed in Florida. There are several different types of life insurance cases that could arise after you try to file a life insurance claim. The life insurance claim may be denied based on a misrepresentation in the policy application, an issue with a change of beneficiary form, nonpayment of premium, or another type of dispute, like where two beneficiaries try to make a claim against the same policy. Finding an attorney who knows what the types of claims are and what the defenses may be to those claims could be the difference between getting payment of benefits for having the claim remain denied.
Find out which court your lawyer is licensed in
Nearly all life insurance companies that write policies in Florida are actually located out of state. When there is a dispute over the policy payment, a lawsuit may need to be filed in court. If the amount of the policy exceeds $75,000 and the beneficiary is in Florida, a lawsuit may need to be filed in a federal district court in the state of Florida because of what is called diversity jurisdiction.
How many life insurance cases has the lawyer handled?
Life insurance companies have lawyers either on staff or outside counsel that they hire for any life insurance dispute or denial claim. Many of these top lawyers handle life insurance cases on an almost daily basis. When going against some of the best life insurance defense lawyers in the country, it may be important that your attorney has handled many life insurance cases as well. Your lawyer should be familiar with these arguments the life insurance companies typically make in these types of cases.
For more information on life insurance dispensing Florida, visit our life insurance webpage.