Two Year Contestability Clause

Florida Life Insurance and the Two Year Contestability Clause

Under Florida Statute section 627.455, every life insurance contract shall provide that the policy shall be incontestable after it has been in force during the lifetime of the insured for a period of 2 years from its date of issue. This means that as long as your premiums are current, the life insurance policy must pay out after 2 years in effect. Life insurance companies may try to delay payment or investigate if the insured died after the policy was in effect for more than 2 years, but this may violate the law. If your life insurance claim was denied within 2 years of the policy start, you could still be entitled to benefits. Contact the life insurance lawyers at the Law Offices of Jason Turchin at 800-337-7755 or Chat with our agents today for a free consultation.

Understanding Your Life Insurance Policy

Understanding your life insurance policy’s terms and conditions may be crucial, especially in the event of a claim. A life insurance policy is a binding contract between the policy owner and the insurance company. This contract outlines specific circumstances under which the company pays out the death benefits. Hence, it’s essential to ensure that you fully understand its terms and conditions to avoid any legal issues or misunderstandings in the future.

The Role of a Life Insurance Lawyer

At the Law Offices of Jason Turchin, we firmly believe in fighting for the rights of our clients. Our team of dedicated lawyers are well-acquainted with the complexities of life insurance laws. We can provide legal advice and representation to clients facing disputes related to their life insurance policies. From claim denials to delayed payments, we can fight to help ensure you receive the benefits you’re entitled to.

life insurance contestability

Claim Denials and Delays Within 2 Year Contestability Period

Insurance companies may sometimes deny claims or delay payments citing various reasons. They may claim that the policyholder misrepresented information or that the cause of death was not covered by the policy. If you find yourself in such a situation, it’s important not to panic. At Jason Turchin, we can help you understand your rights and navigate through such apparent hurdles.

Contact Us

If you have any questions or need assistance with your life insurance policy, don’t hesitate to reach out to us. You can contact us at (800) 337-7755. We’re always here to help you. If your life insurance company is not paying benefits, call Attorney Jason Turchin for a free consultation on your life insurance delay or life insurance dispute claim.

After the two year period, the life insurance company can deny payment for nonpayment of premiums and except, at the option of the insurer, as to provisions relative to benefits in event of disability and as to provisions which grant additional insurance specifically against death by accident or accidental means. Nonpayment of premiums alone may not void your life insurance policy.

If your life insurance company denied your claim for nonpayment of premiums, let us review your claim. We can review the payment ledgers to make sure the life insurance company properly applied your premiums, credited your account properly, or withdrew the funds correctly. If not, you still may qualify for life insurance benefits.

Call (800) 337-7755 today for a free life insurance dispute lawyer consultation.

Florida Life Insurance Attorney – Life Insurance Claim Nonpayment

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