Life Insurance Lawyer Montgomery Al
"Life Insurance Lawyers for Montgomery, AL – The Lassen Law Firm" In Montgomery, a city rich with history and resilience, navigating life insurance claims can sometimes feel overwhelming—especially when dealing with denied benefits or unfair delays. At The Lassen Law Firm, we understand the importance of ensuring families in Alabama’s capital receive the payouts they deserve. Whether you’re situated near the bustling downtown district, around the serene Alabama River, or in the surrounding communities, we provide trusted legal guidance and dedicated support to fight for justice. Our experienced and trusted Alabama life insurance law firm is here to help.
With a national reputation for excellence, we’ve successfully recovered hundreds of millions in policies for our clients across the United States. The Lassen Law Firm is committed to standing alongside individuals and families in Montgomery, helping them move forward with confidence and clarity.
2025 Montgomery AL Denied Life Insurance Claims
- Primerica suicide exclusion claim $63,200.00
- MetLife smoking not disclosed $101,500.00
- AD&D denied Montgomery Alabama $50,000.00
- SGLI beneficiary dispute wife $400,000.00
- NEW power of attorney change $66,000.00
- American Income Life COVID-19 $101,300.00
- Geico heart attack death opposed to fall $67,200.00
- Montgomery Alabama denied life insurance claim $9,000.00
- New Era act of war exclusion $103,000.00
- Villanova Life sickness exclusion $50,000.00
- Manufacturers Life autoerotic asphyxiation death $50,000.00
- American Enterprise lapse of policy $12,000.00
- Progressive Life suicide exclusion $30,000.00
- United Republic Life POA change $25,000.00
Questions about life insurance claims in Montgomery, Alabama
Can I file a lawsuit in Montgomery if the insurer delayed paying my life insurance claim?
Yes. Alabama law requires insurers to act promptly when processing claims. If your Montgomery life insurance payment was delayed without a valid reason, you may be entitled to additional compensation. For example, if your claim sat unresolved for months despite all paperwork being submitted, you could pursue damages for bad faith.
Is it possible to contest a life insurance policy cancellation in Montgomery?
Absolutely. If your Montgomery policy was canceled for reasons like nonpayment or missed notices, a lawyer can investigate whether the insurer followed proper procedures. For instance, if you never received the required lapse warning, the cancellation might be invalid and the policy could be reinstated.
Does a handwritten beneficiary change form count in Montgomery, AL?
Handwritten changes can be valid in Alabama if they are properly signed and dated, but insurers sometimes challenge their authenticity. For example, if a policyholder scribbled a new beneficiary on a form without notifying the insurer, the matter could require a court to enforce it.
Can a parent in Montgomery collect life insurance if their child died?
Yes, if the parent is the named beneficiary. If not, the parent may still have a right under intestacy laws or dependency rules. For example, if the deceased had no surviving spouse or children, a parent could potentially inherit the proceeds through probate.
Are life insurance disputes in Montgomery settled in state or federal court?
It depends on the type of policy. ERISA group policies are handled in federal court, while private individual policies usually stay in Alabama state court. For example, if your denied claim stems from an employer-provided policy, your case would likely proceed in federal court.
What if the insured never signed the Montgomery life insurance policy?
If the insured died before signing, coverage might still exist if premium payments were made or there was other evidence of acceptance. For instance, if the insurer accepted payment and issued a policy number, the policy might be deemed in effect even without a signature.
Can I claim life insurance in Montgomery if the death occurred during a crime?
Possibly. Many policies exclude deaths caused by criminal acts, but the exclusion language must be clear. For example, if the insured was present during a crime but not an active participant, a Montgomery attorney could argue for full payment.
How long does it take to receive life insurance money in Montgomery?
Typically, insurers pay within 30 to 60 days of receiving all required documents. If you’ve waited longer without a valid explanation, it could signal a problem. For instance, missing death certificates or disputes over beneficiary status often cause unnecessary delays.
Can an adopted child collect life insurance in Montgomery?
Yes. Under Alabama law, adopted children have equal rights to biological children for life insurance benefits. For example, if the insured listed "children" as beneficiaries, an adopted child would be included without question.
Is a Montgomery spouse entitled to life insurance if not named as a beneficiary?
Not automatically. Alabama law does not guarantee a spouse life insurance rights if they are not named. However, if there’s evidence of fraud or manipulation, a spouse might still have grounds to contest. For instance, if a caregiver was named beneficiary shortly before death, the spouse could challenge it.
What happens if multiple people claim the same Montgomery life insurance policy?
In cases of competing claims, insurers usually file an interpleader action in Montgomery court to let a judge decide. For example, if both a new spouse and adult child claim rights to the same policy, the court will evaluate all evidence before awarding benefits.
Can a Montgomery resident claim life insurance on someone who lived in another state?
Yes, as long as you are the rightful beneficiary under the policy terms. For example, if a parent living in Georgia named you as their beneficiary, you can pursue the claim from Montgomery with legal assistance if needed.
What if the Montgomery life insurance company refuses to provide the policy details?
Authorized claimants are entitled to review the policy. If the insurer refuses, a Montgomery lawyer can demand disclosure or seek a court order. For instance, during litigation, policy details can be obtained through formal discovery requests.
Are accidental overdose deaths covered by life insurance in Montgomery?
It depends on the policy language. Some policies exclude overdose deaths, while others cover them if the overdose was accidental. For example, if the policy excludes "intentional acts" but not accidents, and the overdose was unintentional, the claim could still be paid.
Can I collect on a lapsed Montgomery life insurance policy if the payment was missed by mistake?
Possibly. If the missed payment was due to an administrative error or if the grace period had not yet expired, coverage might still apply. For example, if the policy had a 30-day grace period and the insured died on day 28, the claim could still be valid.
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).