Lawyers Who Sue Life Insurance Companies

Life insurance is supposed to provide security for families during one of life’s hardest moments. Premiums are paid for years, sometimes decades, with the understanding that the insurance company will keep its promise. But when a claim is denied, delayed, or disputed, many families are shocked to learn just how far insurers will go to avoid paying. At that point, people often search for lawyers who sue life insurance companies, that is, attorneys with the experience and willingness to hold insurers accountable in court.

The Law Offices of Jason Turchin represents beneficiaries nationwide in lawsuits against life insurance companies. Whether your claim involves misrepresentation, policy lapse, contestability reviews, accidental death exclusions, or interpleader lawsuits, we can take insurers to court when negotiations and appeals fail. Call 800-337-7755 for a free consultation. You won’t pay any fees or costs unless we recover money for you.

Why Families Sue Life Insurance Companies

Not every denial is legitimate. Many insurers rely on technicalities, broad exclusions, or incomplete investigations to justify nonpayment. Beneficiaries may file lawsuits against insurers for:

• Wrongful denials – Claiming misrepresentation when the omission was minor or irrelevant.
• Failure to pay within a reasonable time – Delays that stretch on for months or years without valid reason.
• Bad faith conduct – Denying claims without proper investigation or misrepresenting policy terms.
• Improper lapse notices – Declaring policies lapsed without sending required warnings.
• Improper contestability reviews – Denying claims for errors unrelated to the cause of death.
• Failure to honor accidental death coverage – Wrongly applying exclusions for drugs, alcohol, or risky activities.
• Interpleader disputes – Suing to protect your rights when insurers deposit funds in court instead of paying.

Florida, New York, and New Jersey Law

Florida

Law in Florida requires life insurers to act in good faith and prohibits unfair claim settlement practices. Courts in Florida frequently hear life insurance lawsuits, especially if policies include forum selection clauses requiring cases to be filed there.

New York

In New York, insurers must pay valid claims promptly once proof of death is provided. Beneficiaries may sue for breach of contract, and in certain cases for bad faith.

New Jersey

New Jersey courts carefully review whether insurers complied with policy terms and state regulations. Wrongful denials can be overturned, and insurers may be held responsible for damages caused by delay.

The Process of Suing a Life Insurance Company

1. Claim denial or delay – The insurer sends a denial letter or fails to pay.
2. Case evaluation – A lawyer reviews the policy, correspondence, and medical or financial records.
3. Pre-lawsuit negotiations – Sometimes disputes are resolved before court.
4. Filing the lawsuit – If the insurer won’t pay, the lawyer files in state or federal court.
5. Discovery and evidence – Both sides exchange records, medical documents, and testimony.
6. Settlement or trial – Many cases settle, but some proceed to judgment.

Common Companies Sued by Beneficiaries

Our life insurance lawyers can bring lawsuits against:

• Prudential
• MetLife
• Lincoln Financial
• New York Life
• AIG
• Northwestern Mutual
• Guardian
• John Hancock
• State Farm
• Employer-based ERISA plans

These insurers handle millions of policies and may deny thousands of claims each year, often leading to litigation.

Why Hiring a Lawyer Matters

Life insurance companies have teams of attorneys defending them. Going up against them without representation can be extremely difficult. A lawyer can:

• Demand access to claim files and internal records.
• Challenge the insurer’s interpretation of policy exclusions.
• Use state and federal law to argue that denials were improper.
• File lawsuits in the correct venue, whether state court or federal ERISA jurisdiction.
• Push for interest, attorney’s fees where allowed, and sometimes bad faith damages in addition to benefits.

Cost of Suing a Life Insurance Company

At the Law Offices of Jason Turchin, life insurance lawsuits are handled on a contingency fee basis. That means:

• No upfront fees.
• No costs unless we win or settle.
• You can sue the insurer without financial risk.

This allows families to take on powerful insurance companies even if they don’t have money to hire a lawyer out-of-pocket.

Frequently Asked Questions

Can you sue a life insurance company for denying a claim?
Sometimes. Denials can be challenged in court, and many are overturned.

How long do I have to sue?
Most policies limit lawsuits to a certain time from the date of denial. Acting quickly is often critical.

Do I need to sue in my state?
Not always. There are several factors to consider when deciding on venue.

What if there are multiple beneficiaries?
If the insurer files an interpleader, you will often need a lawyer to assert your rights in court.

Can you recover more than the policy amount?
Sometimes. In bad faith cases, courts may award extra damages or attorney’s fees.

Contact Lawyers Who Sue Life Insurance Companies

If your life insurance claim was denied, delayed, or disputed, you may have the right to sue. The Law Offices of Jason Turchin has experience litigating life insurance cases in Florida, New York, New Jersey, and nationwide. Call 800-337-7755 today or connect with us via live chat for a free consultation.