Life Insurance Lawyer Birmingham Al
"Life Insurance Lawyers for Birmingham, AL – The Lassen Law Firm" When dealing with life insurance claims in Birmingham, it can feel like navigating a maze of paperwork and insurance jargon—especially if a claim has been denied or unfairly delayed. At The Lassen Law Firm, we’re here to cut through the complexity and fight for your rightful benefits. Whether you’re in the heart of downtown Birmingham, on the city’s vibrant south side, or in the surrounding communities, we offer the legal expertise and personalized care you need. Our experienced and trusted Alabama life insurance law firm is here to help.
With a national reputation for handling claims across the United States, we’ve successfully recovered hundreds of millions in policies for our clients. The Lassen Law Firm is dedicated to standing up for families and individuals in Birmingham, making sure justice is served and benefits are paid in full.
2025 Birmingham Al Denied Life Insurance Claims
- AIG material misrepresentation $43,000.00
- Prudential life sickness exclusion $51,540.00
- Birmingham Alabama AD&D claim denied $25,000.00
- Globe Life felony exclusion $25,000.00
- American Family policy lapse $43,000.00
- Genworth poisoning death $59,500.00
- Accidental Death & Dismemberment $250,000.00
- Ethos fraud allegation denial $106,000.00
- United World autoerotic asphyxiation death claim $101,000.00
- Unum act of war exclusion $202,000.00
- Birmingham Alabama denied life insurance claim $8,000.00
- Military Life self-inflicted injury exclusion $11,000.00
- American Equity Investment lapsed policy $55,000.00
- Zander insurance wrong age on application $32,000.00
- Philadelphia American Life exclusions $40,000.00
- SBI Life intoxication exclusion accident $15,000.00
- Corebridge Felony commission of crime $19,000.00
Questions about life insurance claims in Birmingham
What if the life insurance company says the Birmingham policy lapsed due to nonpayment?
Many Birmingham life insurance claims are denied for nonpayment, but lapses are often caused by mailing problems, employer errors, or billing mistakes. An attorney can investigate whether the lapse was legitimate. For example, if a premium notice was sent to an old address, the insurer may still be responsible for paying benefits.
Can I challenge a denial based on a medical misrepresentation in Birmingham?
Yes, you can. If a Birmingham claim was denied due to an alleged medical misstatement, a lawyer can assess whether the information was truly material and whether the two-year contestability period had already expired. For instance, minor health issues unrelated to the cause of death often should not void a policy.
Are life insurance claims in Birmingham affected by Alabama's community property laws?
No, Alabama is not a community property state. However, surviving spouses in Birmingham may still have certain rights, especially if they financially contributed to the policy. For example, a spouse might be able to claim benefits if there was a clear financial dependency.
Can an ex-spouse still collect life insurance in Birmingham after a divorce?
Possibly. Alabama law often revokes an ex-spouse’s beneficiary designation unless reaffirmed after the divorce. For instance, if the insured updated the policy after divorce and named the ex-spouse again, the ex-spouse could still collect.
What is the deadline to contest a life insurance denial in Birmingham?
For ERISA group policies, you often have only 60 days to appeal a denied claim. Non-ERISA individual policies follow Alabama's standard contract deadlines. For example, waiting too long could bar your right to challenge the denial entirely.
Can I collect life insurance in Birmingham if the death was a suicide?
Possibly. Most policies contain a two-year suicide exclusion, meaning that after two years, suicide deaths are usually covered. For instance, if the policy was active for three years before the death, the claim should generally be payable despite the cause.
Does it matter where the insured died if the policy was purchased in Birmingham?
Typically, no. The key issue is usually where the policy was issued and what state's laws govern it. For example, even if the insured died overseas, a Birmingham-issued policy governed by Alabama law would still be enforceable.
What if the life insurance policy was never delivered in Birmingham?
If the insurer never physically delivered the policy, they might argue it was not in force. However, courts sometimes uphold the policy based on actions like premium payments. For example, if the first premium was accepted, coverage may still exist even without delivery.
Can a minor be named as a life insurance beneficiary in Birmingham?
Yes, minors can be named, but a guardian or custodian will usually be needed to manage the funds. For instance, if a minor inherits a $100,000 policy, the court may require a trust or guardianship account until the child reaches adulthood.
Can someone in Birmingham be denied life insurance due to alcohol use at time of death?
Yes, alcohol-related exclusions are common. However, these exclusions can often be challenged if the alcohol was not the primary cause of death. For example, if a person with a low blood alcohol level died from unrelated causes, the exclusion might not apply.
Do Birmingham life insurance claims require probate?
Usually not. Life insurance benefits typically pass directly to the named beneficiary without going through probate. However, if no beneficiary is named or if multiple claims arise, the funds may be handled through Birmingham probate court. For example, if a beneficiary predeceased the insured, probate might be necessary.
Can stepchildren claim life insurance in Birmingham?
Only if they were named as beneficiaries or can prove certain legal rights. For instance, a stepchild formally adopted by the insured or named explicitly on the policy can usually claim the benefits.
What if the insured changed the beneficiary just before death in Birmingham?
Late changes to beneficiary designations are often contested if there are suspicions of undue influence or mental incapacity. For example, if a beneficiary change was made while the insured was hospitalized and heavily medicated, it might not be upheld.
How do I get a copy of a life insurance policy from a Birmingham insurer?
If you are a named beneficiary, you can request it directly. If refused, a lawyer can subpoena the document during litigation. For instance, if the insurer denies access to the policy, legal action can force them to produce it.
Can a life insurance company in Birmingham delay payment indefinitely?
No. Alabama law requires prompt payment of valid claims, usually within 30 to 60 days. For example, if an insurer drags its feet without justification, you may be entitled to interest and damages for bad faith delay.
What do I do about a bad faith ERISA life insurance denial of death benefits in Birmingham?
Because ERISA allows only one appeal, it’s critical to involve an experienced lawyer immediately. For example, a mistake in the appeal could permanently forfeit your right to sue for denied benefits later.
For more information on insurance regulations and consumer protections in Alabama, you can visit the Alabama Department of Insurance or explore nationwide insurance resources through the National Association of Insurance Commissioners (NAIC).