United of Omaha Life Insurance Company is part of the Mutual of Omaha group and issues life insurance policies throughout the United States. The company sells a variety of products including term life insurance, whole life policies, guaranteed issue coverage, and employer related group life insurance plans.
After the death of the insured, beneficiaries must file a claim to receive the policy proceeds. In some cases, however, the insurer delays payment while conducting a claim investigation or denies the claim based on policy provisions or information uncovered during the review process.
Attorney Christian Lassen represents beneficiaries nationwide in disputes involving denied and delayed life insurance claims.
United of Omaha Life Insurance Policies
United of Omaha policies are often sold through insurance agents, financial advisors, and employer benefit programs. Some policies are individual contracts purchased directly by the insured, while others are offered through workplace benefit plans.
Because the company provides coverage to a wide range of policyholders, disputes sometimes arise regarding eligibility, beneficiary designations, or the information provided during the application process.
When a claim is filed, the insurer reviews the policy terms and related documents to determine whether the death benefit is payable.
Common Reasons United of Omaha Life Insurance Claims Are Denied
Life insurance claims involving United of Omaha policies may be denied for several reasons depending on the policy terms and the circumstances surrounding the death of the insured.
Alleged misrepresentation on the application
Life insurance applications require disclosure of medical history and other personal information. If the insurer believes the insured provided inaccurate or incomplete information, it may attempt to deny the claim.
Example:
The application indicates the insured had no prior diagnosis of a medical condition, but medical records later show treatment before the policy was issued.
Contestability period investigations
Most life insurance policies allow the insurer to investigate the accuracy of the application during the first two years of coverage.
Example:
The insured dies within the first year after the policy was issued, prompting the insurer to review medical records from several years before the application.
Policy lapse disputes
Some claims are denied because the insurer claims the policy was no longer active due to unpaid premiums.
Example:
A premium payment was missed after a change in billing arrangements, and the insurer claims the policy lapsed before the death occurred.
Group life eligibility disputes
When coverage is provided through an employer plan, disagreements may arise regarding whether the insured met the eligibility requirements at the time of death.
Example:
The insurer claims the employee was not working the minimum number of hours required to qualify for coverage.
Claim Investigations and Document Requests
After receiving notice of death, the insurer typically conducts a claim investigation before issuing a decision.
The investigation may involve reviewing:
Medical records from physicians and hospitals
Prescription history reports from pharmacy databases
The original life insurance application and underwriting file
Employer records confirming eligibility for group coverage
Death certificates, autopsy reports, or accident investigation records
These documents are used to determine whether the claim meets the requirements of the policy.
Beneficiary Designation Issues
Disputes sometimes arise when multiple individuals claim the life insurance benefit or when the beneficiary designation is unclear.
For example, an older beneficiary form may name a former spouse, while a later form submitted to the insurer lists a different beneficiary. The insurer may delay payment while determining which designation controls the policy proceeds.
In some situations, the insurer may file an interpleader lawsuit asking a court to decide who should receive the benefit.
Legal Help With United of Omaha Life Insurance Claim Denials
Life insurance disputes involving United of Omaha policies can involve complex questions about policy language, eligibility requirements, and claim investigations. Beneficiaries who receive a denial may have legal options depending on the facts of the claim and the evidence relied upon by the insurer.
The Lassen Law Firm focuses exclusively on life insurance disputes nationwide. Attorney Christian Lassen has more than 25 years of experience representing beneficiaries in denied, delayed, and contested life insurance claims.
If a United of Omaha life insurance claim has been denied or delayed, legal review can help determine whether the insurer’s decision can be challenged.