{"id":528,"date":"2025-11-06T14:48:48","date_gmt":"2025-11-06T14:48:48","guid":{"rendered":"https:\/\/www.firstchoicelaw.com\/new\/?page_id=528"},"modified":"2026-01-27T20:25:00","modified_gmt":"2026-01-27T20:25:00","slug":"life-insurance","status":"publish","type":"page","link":"https:\/\/www.firstchoicelaw.com\/new\/personal-injury-attorney\/life-insurance\/","title":{"rendered":"Life Insurance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"528\" class=\"elementor elementor-528\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d44b734 e-con-full e-flex e-con e-parent\" data-id=\"d44b734\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-14c1ea6 e-con-full e-flex e-con e-child\" data-id=\"14c1ea6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0097012 elementor-widget elementor-widget-image\" data-id=\"0097012\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.firstchoicelaw.com\/new\/wp-content\/uploads\/elementor\/thumbs\/Artboard-5-copy-8-03-rf02sd3m2jp6knyncirir2yrfy8dqqxeihvi74v5vw.png\" title=\"Artboard 5 copy 8-03\" alt=\"Artboard 5 copy 8-03\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-828d8f2 elementor-widget__width-initial elementor-absolute e-transform elementor-widget elementor-widget-heading\" data-id=\"828d8f2\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;,&quot;_transform_translateX_effect&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:-50,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_tablet&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_mobile&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:-50,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_tablet&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_mobile&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Life Insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-13c1fd0 e-flex e-con-boxed e-con e-child\" data-id=\"13c1fd0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7403f57 elementor-widget elementor-widget-heading\" data-id=\"7403f57\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Board Certified Attorney Helps Clients in Central Florida with Life Insurance Claim Denials<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ddcd517 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"ddcd517\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">   <\/span>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7fbc71a elementor-widget elementor-widget-text-editor\" data-id=\"7fbc71a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>When a family member or loved one dies, there is often financial uncertainty to go along with the grief of loss. What can be emotionally difficult is\u00a0<strong>filing a claim for Life Insurance Benefits<\/strong>, that were purchased by the deceased for the benefit of his or her loved ones. Sometimes,\u00a0<strong>life insurance companies deny these claims<\/strong>\u00a0based upon reasons or \u201cexclusions\u201d to the policy. Many times, we at First Choice Law have been called upon to review these\u00a0<strong>life insurance policy denials<\/strong>.\u00a0Jason Recksiedler\u00a0and First Choice Law have successfully\u00a0<strong>recovered life insurance policy proceeds<\/strong>\u00a0for the survivors, by challenging these denials. Don\u2019t take no for an answer. Make the right choice and call First Choice Law for a free evaluation and\u00a0<strong>review of the life insurance policy<\/strong>\u00a0and review the facts and circumstances for the denial; and if appropriate, challenge the life insurance company\u2019s reason for not paying what should be paid!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-733caba elementor-widget elementor-widget-heading\" data-id=\"733caba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Recovering Life Insurance Proceeds<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-50fa86b elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"50fa86b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"> <\/span>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-33769ff elementor-widget elementor-widget-text-editor\" data-id=\"33769ff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Generally, the first step in\u00a0<strong>recovering life insurance proceeds<\/strong>, requires that the beneficiary file a claim with the company who wrote the insurance. This will require a death certificate to be submitted to the insurance company at the address designated in the policy. There should also be enclosed a statement of claim or what is also known as a \u201crequest for benefits\u201d. This statement of\u00a0<strong>life insurance claim or request for benefits<\/strong>\u00a0will need to be signed by the beneficiary. These documents should be submitted by certified mail with returned receipt. These claims should be paid within 60 days of receipt by the life insurance company. If they are not paid within that time-frame, or if the life insurance company denies payment for any reason, you should call First Choice Law for a free consultation and review.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f57b741 elementor-widget elementor-widget-heading\" data-id=\"f57b741\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Common Reasons For Life Insurance Claim Denial in Florida<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9e80c99 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"9e80c99\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"> <\/span>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1eb5670 elementor-widget elementor-widget-text-editor\" data-id=\"1eb5670\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Life insurance companies may deny a claim<\/strong>\u00a0based upon reasons and \u201cexclusions\u201d provided in their policy. The most common reasons and \u201cexclusions\u201d for a\u00a0<strong>life insurance denial<\/strong>\u00a0are as follows:<\/p><ul><li>Lack of Payment<\/li><li>Providing false or incomplete health information in the application<\/li><li>Death caused while intoxicated or drugs and\/or alcohol<\/li><li>Suicide<\/li><li>Homicide caused by beneficiary<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7537e14 elementor-widget elementor-widget-heading\" data-id=\"7537e14\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Life Insurance Claim Denials and Delays<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6926033 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"6926033\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"> <\/span>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e1c55ce elementor-widget elementor-widget-text-editor\" data-id=\"e1c55ce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>We at First Choice Law have experienced situations where\u00a0<strong>life insurance companies delay payment<\/strong>\u00a0under the guise that the company is \u201cinvestigating\u201d the original application to ensure fraud was not committed at the policy\u2019s inception. Most times we have found this tactic to be disingenuous because the life insurance company has no proof that the insured lied on the application. We have also experienced a clause, known as a \u201csuicide exemption\u201d, where the life insurance company denies benefits. Generally, any such exemption is limited to the first two years of the policy. This is why it is important to have First Choice Law review any policy in question, when there is a denial of owed benefits.<\/p><p>\u00a0<\/p><p>Further\u00a0<strong>delay in paying life insurance benefits<\/strong>\u00a0occur where there is a homicide of the insured listed on the death certificate. In this event, it is critically important that you retain legal counsel, such as First Choice Law, so that we can cooperate with a claims representative in communicating with a law enforcement agency to rule out the beneficiary as a suspect. If there are charges, the insurance company may have the right to withhold the payout until charges are dropped or the beneficiary is acquitted of the crime. Other reasons for delay or denial in paying life insurance benefits can be if the insured party died during the course of illegal activity, such as driving under the influence of drugs or alcohol or the insured dies during an excluded risky activity such as skydiving.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5937018 elementor-widget elementor-widget-heading\" data-id=\"5937018\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Life Insurance Disputes in Orlando and Across Central Florida<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1088877 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"1088877\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"> <\/span>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0ef8e48 elementor-widget elementor-widget-text-editor\" data-id=\"0ef8e48\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The personal injury lawyers at First Choice Law in Orlando are prepared with the knowledge, skills, and experience to challenge any and all\u00a0<strong>denials of life insurance claims<\/strong>. In doubt about a life insurance policy? Make the Right Choice call First Choice Law for a free consultation. Do not delay, as certain time limitations of making a claim are involved. Call us today at\u00a0321-999-1111, email us at\u00a0info@firstchoicelaw.com\u00a0or fill out the online form provided at the top of this page and one of our\u00a0Orlando insurance law attorneys\u00a0will contact you shortly.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0224340 e-con-full e-flex e-con e-child\" data-id=\"0224340\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-684dbef elementor-widget elementor-widget-heading\" data-id=\"684dbef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">We're Available 24\/7 \u2013 Chat Now<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e5c9dd1 elementor-align-center elementor-widget__width-initial elementor-widget elementor-widget-button\" data-id=\"e5c9dd1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Start Chat Now<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-544f8bb elementor-widget elementor-widget-heading\" data-id=\"544f8bb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">We Speak English, Portuguese &amp; Spanish<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Life Insurance Board Certified Attorney Helps Clients in Central Florida with Life Insurance Claim Denials When a family member or [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":285,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"","ast-site-content-layout":"full-width-container","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-528","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.firstchoicelaw.com\/new\/wp-json\/wp\/v2\/pages\/528","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.firstchoicelaw.com\/new\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.firstchoicelaw.com\/new\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.firstchoicelaw.com\/new\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.firstchoicelaw.com\/new\/wp-json\/wp\/v2\/comments?post=528"}],"version-history":[{"count":25,"href":"https:\/\/www.firstchoicelaw.com\/new\/wp-json\/wp\/v2\/pages\/528\/revisions"}],"predecessor-version":[{"id":2602,"href":"https:\/\/www.firstchoicelaw.com\/new\/wp-json\/wp\/v2\/pages\/528\/revisions\/2602"}],"up":[{"embeddable":true,"href":"https:\/\/www.firstchoicelaw.com\/new\/wp-json\/wp\/v2\/pages\/285"}],"wp:attachment":[{"href":"https:\/\/www.firstchoicelaw.com\/new\/wp-json\/wp\/v2\/media?parent=528"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}