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A Florida state court has ruled that Florida’s Department of Financial Services (“DFS”) may not require that life insurers check Google, LexisNexis, or the Social Security Administration’s Death Master File to ascertain whether any insured has died, concluding that life insurance funds become “due and payable” under Florida law when an insurer knows that the insured has died, or when the insured has attained or would have attained the limiting age.

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