Buying life insurance seems like one of the most responsible decisions you can make. The reassurance policyholders receive gives them the comfort of believing their homes and loved ones will be taken care of in the event of a tragedy. However, some people make the mistake of assuming insurers only want to do what is best for the customer. In reality, insurance companies are just businesses that are trying to maximize their profits in any way possible. If a life insurance company can save itself money by denying your insurance claim, it absolutely will.

Many are surprised at the lengths insurers will go to avoid having to uphold their end of the policy. When you purchase a life insurance plan, you think you are purchasing a safety net for your family. The only problem is that the companies providing the safety net are not all that concerned about your safety after all. Instead, they will shock you with the loopholes they employ to get out of providing you the compensation they once promised.

If you or a loved one are dealing with a denied life insurance claim, know that a denial is not the last word on your claim. You have options, and with the right Jupiter life insurance lawyer, you can turn that denial into an approval, or you can take the insurer to court.


There are several reasons why your life insurance policy may not cover you the way you thought it would. As you will see below, most reasons fall under loopholes that help insurers increase their profits by avoiding full payouts.

Here Are a Few Ways You May Be Denied Coverage:

Misrepresentation and Omission

When it comes time for your family to collect your life insurance, they may be asked to submit various documents that serve as evidence of their connection to you or as evidence of your policy. Unfortunately, some insurers turn this process into a game and try to confuse your beneficiaries with multiple requests for the same document. Even worse, sometimes, they will ask for information they already have in their possession. For your loved ones during a season of grief, this process can be exhausting, and giving up on the claim altogether might be tempting.

Drugs and Alcohol Abuse

If an autopsy later shows high levels of drugs or alcohol in your body, the life insurance company may refuse the claim. At this point, your family would need to hire their own life insurance attorney in Jupiter, who will insist on hiring his or her own medical examiner to review the findings. Running into an obstacle like this should never be the end of the fight because the initial medical findings could have been faulty, so it is perfectly fine to challenge that report.

Suspicion of Accidental Death

If an insurer does not believe your accidental death was actually accidental, then chances are your claim will be denied. As one of the worst loophole areas in life insurance, this is where your everyday health condition can get in the way of your accidental death claim. For example, if you get struck by lightnening and die, but you also were diabetic, then the insurance company could deny your accidental death claim and argue your death was actually brought on by your diabetes.

Suicide and Other Self-Inflicted Injuries

In the state of Florida, insurance companies must submit evidence to prove a death was self-inflicted. For many companies, they will deny a life insurance claim altogether if the death was self-inflicted.

Felony Exclusion

If you are killed while participating in illegal activity, the insurance company may deny your claim. The idea here is that they do not owe you anything because you actively brought on risk to your own life by participating in criminal activity.


Once your claim is denied, gather all your information while it is fresh on your mind. Collect all paper statements of the policy itself, any notes you took while on the phone with the insurance company, and any evidence you may need of the death at hand. The latter would include things like an autopsy report or police reports if there was a crime scene involved. Then, contact a trusted life insurance attorney in Jupirer at Keller, Melchiorre, and Walsh today for a quick consultation. After a short chat about your situation and your desired outcome, our team will begin drafting a plan to get your family back on their feet.


A trusted attorney in Jupiter can make the entire life insurance process easier on your family. A good legal team will help prepare your appeal process by handling all necessary paperwork in a timely manner. Next, your lawsuit will be filed to start claiming the benefits your family is owed. Once the case takes off, it will become a situation of negotiating your buyout settlement. Your legal team will fight on your behalf and will stay by your side to answer your questions during the entire process. Remember, they have worked on these cases before, so there is no question they have not already addressed.

CONTACT a Jupiter Life Insurance Attorney TODAY

Dealing with life insurance claims and denials can be a headache for your family during this heavy season of grief. To make sure you are not wasting your time or efforts, contact us today at Keller, Melchiorre & Walsh. Our experience in life insurance denial is to your benefit, and we are ready to share our expertise with you. With several cases of this nature under our belt, we already anticipate the forms that need to be completed and the steps that need to be taken. You should be able to rest assured that your loved ones will be taken care of after you are gone. Give a Jupiter life insurance lawyer a call today so that we can help you create a plan that will save your family time, money, and unnecessary stress in the long run.