Arizona Life Insurance Lawyer

Life Insurance Lawyers Serving All 15 Arizona Counties

Christian Lassen, Esq. | 25 Years Experience | Hundreds of Millions Recovered
We handle denied life insurance claims in all 15 Arizona counties.

If your life insurance claim was denied in Arizona, you're not alone and you're not without options. At The Lassen Law Firm, we focus exclusively on life insurance litigation and have helped families across Arizona recover millions in wrongfully denied death benefits. Whether the denial involves a lapse, an exclusion, a misrepresentation allegation, or a beneficiary dispute, we know how to challenge insurers and fight for the payout your family deserves.

Led by nationally recognized life insurance attorney Christian Lassen, quoted by The Wall Street Journal and rated 10.0 by AVVO, our firm represents clients in every region of Arizona. We handle denied life insurance claims statewide and never charge a fee unless we recover for you.

Denied Life Insurance Claim in Arizona? You’re Not Alone.

Families in Arizona often find themselves unprepared when a life insurance company refuses to pay a valid claim. If your life insurance claim was denied in Arizona, The Lassen Law Firm can step in to challenge the insurer’s decision and fight for the benefits you’re rightfully owed.

In Arizona, life insurance beneficiary disputes often arise when policy changes are contested or multiple individuals claim entitlement to the same benefit. If you're involved in a life insurance beneficiary dispute in Arizona, The Lassen Law Firm can guide you through the legal process and protect your interests.

When there’s a dispute over who should receive life insurance proceeds in Arizona, the insurer may file an interpleader action in Arizona and deposit the funds with the court until the matter is resolved.

Navigating life insurance claims can feel like an uphill battle, especially when faced with denied or delayed payouts. At The Lassen Law Firm, we’re here to simplify the process for individuals and families in Arizona.

As life insurance attorneys handling cases nationwide, our track record speaks volumes, with hundreds of millions in policies recovered for our clients. Whether it’s dealing with bad faith insurance practices or denied claims, our firm brings a wealth of experience and tenacity to every case. At The Lassen Law Firm, we stand by you every step of the way, ensuring justice is on your side. Call now for a free consultation to see if we can help you recover your life insurance benefits. No obligation.

Unlike other firms, The Lassen Law Firm exclusively handles denied life insurance claims. With 25 years of experience in this niche, we are recognized as top experts in the field. Our lawyers have earned prestigious awards, including membership in the Multi-Million Dollar Advocates Forum and a 10.0 rating on AVVO. No other firm offers the same level of dedication and expertise in denied life insurance cases.

Struggling With a Denied Life Insurance Claim in Arizona? We’re Here to Help

When you purchase life insurance, it’s meant to provide financial security for your loved ones after your passing. Unfortunately, insurance companies in Arizona sometimes deny legitimate claims, leaving families in emotional and financial distress. If your life insurance claim has been denied or delayed, you have legal options. Our Arizona life insurance attorneys help beneficiaries fight back against wrongful denials and recover the benefits they were promised. If you're dealing with a denied AD&D claim in Arizona, our team can step in to pursue the benefits your loved one intended you to receive.

Life insurance companies are businesses focused on their bottom line. They sometimes look for technicalities or minor discrepancies to avoid paying claims. If you believe your claim was unfairly denied, you should not face the insurance company alone. Contact us today for a free consultation to discuss your rights.

Top Reasons Life Insurance Claims Are Denied in Arizona

Life insurance claim denials can happen for a variety of reasons. Some of the most common causes of denied life insurance claims in Arizona include:

Misstatements During The Application Process

Insurers may accuse the insured of providing inaccurate or incomplete information regarding medical history, smoking habits, or financial matters.

Nonpayment of Premiums

In Arizona, claim denials often cite missed payments, but we frequently uncover errors in billing or notice delivery that wrongly trigger a claim denied due to lapse in policy.

Death Occurred During Contestability Period

If death happens within two years of policy issuance, insurers closely review the original application for any grounds to rescind coverage.

Policy Exclusions

Some deaths, such as those resulting from suicide or dangerous hobbies like scuba diving, might be excluded depending on the policy terms.

Disputes Among Beneficiaries

Competing claims between family members, ex-spouses, or others can cause significant delays or denials.

Employer-Provided Group Life Insurance Errors

Mistakes during the enrollment process or miscommunication regarding eligibility often cause denials of group life insurance claims.

Suspicions About the Cause of Death

When a death appears suspicious, insurers may delay payment while awaiting the outcome of criminal investigations.

No matter the stated reason for denial, it’s important to have an attorney carefully review your case. Many insurance company excuses can be challenged successfully with experienced legal help.

Understanding Arizona’s Life Insurance Contestability Rules

Arizona law generally provides for a two-year contestability period following the issuance of a life insurance policy. During this period, an insurer can deny a claim if it discovers a significant misrepresentation in the insured’s application. However, once two years have passed, the insurer is limited in its ability to deny coverage.

Even during the contestability window, not every misstatement is enough to void a policy. The error must be material, meaning it would have influenced the insurer’s decision to issue the policy or set the premiums. Innocent mistakes or minor inaccuracies usually are not grounds for rescission.

If your loved one passed away during the contestability period and the insurance company is trying to rescind the policy, it’s critical to have an Arizona life insurance attorney review your options as soon as possible.

Steps to Take After a Life Insurance Claim Denial in Arizona

Receiving a denial letter can be discouraging, but it is not the end of the road. If your life insurance claim is denied, you should:

• Request a detailed explanation for the denial.
• Obtain a full copy of the insurance policy and any attached applications or amendments.
• Collect all communication you have had with the insurance company.
• Refrain from providing additional information or statements without legal advice.
• Consult with an experienced Arizona life insurance lawyer as soon as possible.

Prompt action can significantly improve your chances of reversing a wrongful denial or securing a fair settlement.

How an Experienced Arizona Life Insurance Attorney Can Help

Insurance companies have vast resources and legal teams working to protect their interests. You deserve a strong advocate who understands how to level the playing field. Our Arizona life insurance attorneys can assist you by:

• Analyzing your denial letter and policy for weaknesses in the insurer’s argument.
• Building a strong appeal by gathering necessary documents and evidence.
• Handling communications and negotiations with the insurance company on your behalf.
• Filing a lawsuit if necessary to enforce your rights under Arizona law or federal ERISA statutes.
• Pursuing claims for bad faith insurance practices when insurers act dishonestly or unreasonably.

We are dedicated to helping families across Arizona secure the benefits they need after a loss. With our firm, you only pay if we recover for you.

Federal life insurance claims are often mishandled, especially when it comes to government employees and military personnel. If you’re dealing with a denied Federal Employees’ Group Life Insurance claim in Arizona, or facing challenges with Servicemembers’ Group Life Insurance after a military death, we can help resolve denied FEGLI claims and denied SGLI benefits efficiently and effectively.

Many Arizona residents receive life insurance coverage through their jobs, which often fall under ERISA rules. If your claim was denied under an employer-sponsored group policy, we have experience addressing denied ERISA life insurance claims and guiding beneficiaries through the federal appeal process.

Answers to Common Questions About Life Insurance Denials in Arizona

What should I do if my life insurance claim was denied in Arizona?

Contact an attorney immediately. We resolved a $425,000 denial after the insurer blamed an irrelevant health disclosure. We proved it had nothing to do with the cause of death.

What if I was served with an interpleader lawsuit in Arizona?

You must respond in court or risk losing your claim. W a widow in a $300,000 interpleader filed by the insurer after two adult children from a prior marriage also claimed the benefit.

Can a beneficiary dispute be resolved without going to court in Arizona?

Sometimes. In Scottsdale, we negotiated a $175,000 settlement between siblings disputing a last-minute beneficiary change that occurred in a hospital setting.

Can AD&D claims be denied if the insurer calls the death a natural cause?

Yes, but we often challenge that. In Tucson, we proved that a fall causing death was accidental, not due to a stroke, and recovered the full $280,000 benefit.

Can a lapse in coverage be used to deny a life insurance claim in Arizona?

Yes, but it can be contested. In Glendale, we showed an insurer failed to provide proper lapse notices and reinstated a $195,000 policy.

Can a misrepresentation on an application void a policy in Arizona?

Only if it's material and intentional. In Tempe, we defeated a $310,000 denial based on a misstated smoking history that had no link to the death.

Can alcohol exclusions be used unfairly to deny a claim?

Yes. In Chandler, we reversed a denial where alcohol was present but unrelated to the insured's accidental drowning.

What should I do about a denied ERISA life insurance claim in Arizona?

File a thorough appeal immediately. In Flagstaff, we secured $172,000 for a spouse after the employer mishandled documentation and the insurer denied coverage.

Can a claim be denied during the contestability period in Arizona?

Yes, but insurers must prove a material misstatement. In Peoria, we recovered benefits after showing a weight discrepancy wasn’t linked to the cause of death.

What if a denial letter cites Arizona law?

We check if it’s accurate. In Surprise, we challenged an insurer's misuse of community property law and secured the benefit for the rightful spouse.

Are there insurers in Arizona that deny claims more frequently?

Yes. In Yuma, we won a $225,000 case against Oxford Life, which had denied the claim based on an outdated exclusion.

Does Arizona revoke an ex-spouse’s beneficiary status after divorce?

Yes. In Gilbert, we blocked an ex-spouse's claim and redirected $190,000 to the insured’s adult daughter.

Is Arizona a community property state, and does that affect claims?

Yes. In Queen Creek, we helped a surviving spouse claim part of a $250,000 policy based on community funds used for premiums.

Can a will override a life insurance beneficiary in Arizona?

No. In Buckeye, we upheld a cousin’s right to the benefit despite a will naming someone else.

Can a foreign death lead to a denied life insurance claim?

It can, but we fight that. In Goodyear, we proved the insured’s travel-related death was covered and recovered $140,000.

What if the beneficiary was changed just before the insured died?

That can be contested. In Avondale, we invalidated a change made under pressure in a nursing home and secured the payout for the original beneficiary.

Can insurers delay life insurance claims for months in Arizona?

They try. In Sierra Vista, we forced a payout after a 120-day delay and recovered interest as well.

What if the insurer says the fall was caused by a medical event?

We challenge it. In Prescott, we used medical records to prove a fall was independent of preexisting conditions and won a $300,000 AD&D claim.

What if the agent made an error on the application?

The insurer may still be liable. In Casa Grande, we proved the insured told the agent about a medication, and the family received $200,000.

Can I sue for bad faith denial in Arizona?

Yes. In Phoenix, we obtained extra damages after proving the insurer ignored clear evidence supporting the claim.

Are suicide exclusions always enforceable in Arizona?

Only if timely. In Tempe, we reversed a denial where the suicide occurred after the two-year exclusion period.

Are employer-provided life insurance policies in Arizona governed by ERISA?

Yes. In Scottsdale, we won a $220,000 case by submitting a full administrative appeal under ERISA rules.

What if the insured omitted a health issue?

If unrelated to death, the claim can still be valid. In Mesa, we secured benefits despite a forgotten disclosure of mild asthma.

What happens when there is no beneficiary named on the policy?

It goes to the estate. In Chandler, we guided a family through probate to recover a $250,000 benefit.

Can a forged or suspicious beneficiary form be challenged?

Absolutely. In Tucson, we used handwriting analysis to expose a forged change and reinstated the original beneficiary.

What notice must insurers provide before canceling a policy in Arizona?

Advance written notice. In Glendale, we reinstated a lapsed policy and recovered benefits after proving notice was never mailed.

How are union life insurance policies handled in Arizona?

They often require internal appeals. In Tempe, we succeeded with a teacher’s union policy by exhausting all administrative remedies first.

Can co-beneficiaries share the payout equally?

Yes. In Phoenix, we helped one beneficiary secure their half after another tried to claim the full $300,000.

Can a claim proceed if the insured was declared legally dead?

Yes. In Tucson, we recovered $265,000 after a court declared the insured dead following a five-year disappearance.

What if the appeal deadline has passed?

Some policies allow more time. In Scottsdale, we filed within the private policy's one-year limit and recovered $180,000.

Are life insurance payouts protected from creditors in Arizona?

Generally yes. In Mesa, we shielded a $210,000 payout from a creditor claim since it went to a living beneficiary.

Can ambiguous language be used to deny claims?

No. In Yuma, we defeated a denial based on a vague "hazardous activity" clause and secured the benefit.

Can a lapsed policy be reinstated in Arizona?

Yes, if notice wasn’t sent properly. In Gilbert, we showed grace period violations and reinstated the coverage.

Can a minor be named as a life insurance beneficiary?

Yes, but funds must be managed. In Peoria, we helped set up a custodial account after a child was named on a $100,000 policy.

What if someone claims the insured promised them the benefit?

Only written designations count. In Surprise, we defended the named niece against a verbal promise claim from a family friend.

Can a claim be denied based on illegal activity?

Only if clearly excluded. In Tempe, we overturned a denial based on a traffic citation by showing it didn’t qualify as a disqualifying act.

How long do I have to appeal a denial in Arizona?

Timelines vary. In Phoenix, we met a 180-day ERISA deadline and recovered $265,000 just before it expired.

Contact us for a free consultation.

Written & Reviewed by Christian Lassen, Esq., Nationally recognized life insurance lawyer: 25 years experience, hundreds of millions recovered.  Quoted in The Wall Street Journal ( May 17, 2025).

Last reviewed: June 15, 2025 | Contact 800-330-2274

More Arizona Cities We Serve

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