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Denied Life Insurance Claim Lawyer

If your life insurance claim was denied, we can fight—and win.
At The Lassen Law Firm, we represent life insurance beneficiaries in all 50 states whose claims were wrongfully denied. Whether the insurer is claiming misrepresentation, lapse, suicide, or some technical exclusion—we know how to challenge denials and recover the full benefit.

We’ve recovered hundreds of millions for clients nationwide in denied claim disputes involving private insurers, ERISA group plans, AD&D policies, and government-issued life insurance.

Common Reasons Life Insurance Claims Are Denied

Insurers often deny valid claims using vague policy language, outdated forms, or application errors. We regularly see denials based on:

  • Misrepresentation or omission on the original application

  • Policy lapse due to alleged nonpayment

  • Cause of death falling under an exclusion (e.g., suicide, intoxication, criminal acts)

  • Disputes over who the rightful beneficiary is

  • Alleged fraud or foul play

  • Delay during the contestability period leading to rejection

Some of these reasons may sound final—but they rarely are. Insurers rely on claimants not knowing their rights. That’s where we come in.

How We Challenge Life Insurance Claim Denials

We conduct a rapid legal review of the policy, denial letter, and death certificate. From there, we use decades of litigation experience to do one or more of the following:

  • File a written appeal or demand letter backed by legal precedent

  • Expose procedural errors the insurer made during underwriting or denial

  • Challenge unlawful exclusions or contestability misapplications

  • File suit in state or federal court to force full payment

We’ve gone up against nearly every major life insurance company and won cases involving:

  • MetLife

  • Prudential

  • Lincoln Financial

  • Transamerica

  • AIG

  • Globe Life

  • Guardian

  • Employer group plans (ERISA)

  • Federal government plans (SGLI and FEGLI)

Case Example: $312,000 Denied for Suicide Clause—Won

A widow was denied $312,000 after the insurer cited a suicide exclusion. We reviewed the records and showed the death occurred outside the contestability window and did not qualify as intentional under the policy language. After legal pressure, the insurer reversed the denial and paid in full.

Why Work With The Lassen Law Firm?

  • We Only Handle Life Insurance Disputes – It's all we do

  • We Serve Clients in All 50 States

  • We Know the Policies and the Loopholes Insurers Use

  • No Fees Unless We Win

  • Direct Access to an Attorney With Decades of Experience

Frequently Asked Questions About Denied Life Insurance Claims

Why would a life insurance claim be denied?
The most common reasons include misstatements on the application, missed premium payments, exclusions in the policy, and disputes over the beneficiary.

Can I appeal a denied life insurance claim?
Yes. Many denials can be overturned through legal challenge, especially if the insurer relied on vague terms or misapplied exclusions.

What if the insurer says the death wasn’t covered?
Exclusions (like suicide or intoxication) must be clearly stated and applied lawfully. If they’re vague or misused, they can be challenged in court.

What if the policy lapsed before death?
We often prove policies were wrongfully canceled, reinstated verbally, or should have had coverage extended under state law or insurer waiver.

How long do I have to appeal a denial?
Each state has its own rules, but acting quickly is critical. Delaying can limit your ability to sue or contest the decision.

Contact Us to Appeal Your Denied Claim

If your life insurance claim was denied, let us fight back for you. We handle appeals and lawsuits nationwide and don’t charge any legal fees unless we recover benefits. The sooner we intervene, the better your chances. Contact The Lassen Law Firm today for a free case review.

The Lassen Law Firm is a national practice focused exclusively on life insurance litigation. Founded by Christian Lassen, Esq., the firm has recovered hundreds of millions for clients in all 50 states. All website content is written or reviewed by Mr. Lassen personally to ensure accuracy and authority.