Colorado Life Insurance Lawyer 

Life Insurance Lawyers Serving All 64 Colorado Counties

Christian Lassen, Esq. | 25 Years Experience | Hundreds of Millions Recovered

If your life insurance claim was denied in Colorado, 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 beneficiaries throughout Colorado recover millions in wrongfully denied death benefits. Whether the denial involves a policy lapse, exclusion, alleged misrepresentation, or a contested beneficiary designation, we have the experience to challenge the insurer and pursue the full payout.

Led by nationally recognized life insurance attorney Christian Lassen, quoted by The Wall Street Journal and rated 10.0 by AVVO, our firm serves clients in every part of Colorado. We handle denied life insurance claims in all 64 counties, and we never charge a fee unless we recover for you.

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

When a life insurance claim is denied in Colorado, it can create emotional and financial stress at the worst possible time. If your family is facing a life insurance claim denial in Colorado, The Lassen Law Firm is prepared to challenge the denial and help you recover the benefits you’re owed.

Life insurance beneficiary disputes in Colorado can become heated when multiple parties believe they are entitled to the same policy proceeds. If you're involved in a life insurance beneficiary dispute in Colorado, The Lassen Law Firm can step in to advocate for your interests and resolve the conflict efficiently.

In Colorado, life insurance companies often respond to beneficiary disputes by filing an interpleader action in Colorado, allowing a judge to determine who is legally entitled to the death benefit.

As trusted life insurance attorneys handling cases across the nation, we’ve recovered hundreds of millions in policies for our clients. At The Lassen Law Firm, we provide experienced and personalized legal support to ensure your rights are protected. 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.

Protecting Beneficiaries After a Life Insurance Claim Denial in Colorado

Dealing with the death of a loved one is painful enough without facing an unexpected life insurance claim denial. In Colorado, insurers sometimes wrongfully deny, delay, or underpay life insurance claims, leaving families struggling to recover the financial support they were promised. If you find yourself fighting an insurance company for the benefits owed to you, our Colorado life insurance attorneys are ready to help. If you're navigating a contested accidental death insurance payout in Colorado, our firm can help challenge the denial and push for the benefits you're owed.

Insurance companies are required to act fairly and honor legitimate claims. Yet all too often, they prioritize their financial interests by exploiting technicalities, misapplying policy language, or seizing on minor errors in the application process. If you’ve received a claim denial, or even a suspicious delay, you should have an experienced attorney on your side from the start. We offer no-cost consultations and represent clients throughout Colorado on a contingency basis, meaning you don’t pay unless we win.

Why Life Insurance Companies Deny Claims in Colorado

Not every claim denial is lawful, even if the insurance company sounds convincing in its letter. Some of the most common reasons insurers in Colorado use to deny life insurance claims include:

Alleged Misrepresentation

Insurers may claim that the insured misstated or omitted important facts during the application process, especially related to medical history or tobacco use.

Nonpayment of Premiums

In Colorado, insurers may deny claims over alleged missed payments, but a policy lapse due to nonpayment is not always legally valid if notice requirements weren’t met.

Death Within the Initial Contestable Period

The first two years after a life insurance policy is issued are critical, as insurers conduct extra scrutiny during this time and look for reasons to deny based on application errors.

Policy Exclusions for Risky Conduct

If death results from activities considered inherently dangerous, like mountain climbing, scuba diving, or piloting an aircraft, insurers might invoke exclusions to avoid payment.

Disputed Beneficiary Designations

Conflicts often arise when beneficiaries are changed shortly before death or when multiple family members assert competing claims.

Employer Mistakes with Group Life Insurance

Errors made by employers during enrollment or when administering group life insurance plans can cause unjust denials, even when employees were led to believe they had coverage.

Suspicious Circumstances Surrounding the Death

When deaths involve potential criminal acts or remain under investigation, insurers often delay or deny claims pending law enforcement findings.

It’s important to remember that just because an insurer cites a policy provision doesn’t mean their decision is correct or defensible under Colorado law.

The Importance of the Contestability Period in Colorado Life Insurance Policies

Under Colorado law, most life insurance policies contain a two-year contestability period. During this time, insurers can investigate claims more aggressively and rescind coverage based on alleged misstatements. After two years, their ability to challenge a claim is sharply limited unless they can prove outright fraud.

What counts as a valid basis to rescind during the contestability period? The misstatement must be material, meaning it would have impacted the insurer’s decision to approve the policy or determine the premium amount. Minor errors or unintentional omissions generally do not give insurers the right to deny payment.

If your claim is being questioned under Colorado’s contestability rules, legal help can make a crucial difference in getting the benefits released.

What You Should Do After a Life Insurance Claim Denial in Colorado

Insurance companies move fast once they decide to deny a claim, and you should too. If you receive a life insurance denial letter, it’s critical to:

• Read the denial letter carefully to understand the insurer’s position.
• Request the full policy, application, and any amendments or riders from the insurer.
• Save all correspondence, including emails and notes from phone calls.
• Avoid submitting any additional documents or statements without first consulting an attorney.
• Contact an experienced Colorado life insurance lawyer to evaluate your case as soon as possible.

Insurance companies are counting on beneficiaries feeling overwhelmed, intimidated, or simply unaware of their legal rights. By working with a lawyer early, you can dramatically increase the odds of a successful appeal or settlement.

How Our Colorado Life Insurance Attorneys Can Assist You

Our attorneys focus exclusively on representing beneficiaries in life insurance disputes, and we know the tactics insurers use to avoid paying valid claims. When you work with us, you gain an experienced advocate who can:

• Review your policy in detail to identify any policyholder rights the insurer is ignoring.
• Challenge improper reliance on exclusions, misrepresentation claims, or lapse defenses.
• Negotiate aggressively for payment of full policy benefits.
• Prepare administrative appeals for employer-provided policies governed by ERISA.
• File lawsuits in Colorado courts when insurers refuse to honor obligations.
• Pursue additional claims for insurance bad faith when warranted by the insurer’s conduct.

We treat every life insurance denial case with urgency and dedication because we know how important those benefits are to your financial future. There are no upfront costs, we only get paid if we recover benefits for you.

When federal agencies or military administrators mishandle paperwork or fail to process coverage correctly, claims may be unfairly denied. We support Colorado families in fighting back against denied Federal Employees Group Life Insurance benefits and denied Servicemembers Group Life Insurance payouts after the death of a loved one.

Many Colorado workers receive life insurance through employer-sponsored plans governed by ERISA. If your claim was denied under one of these group policies, we have extensive experience overturning ERISA life insurance denials and guiding clients through the appeals process.

Answers to Common Questions About Life Insurance Denials in Colorado

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

You must file a complete appeal. In Broomfield, we recovered $390,000 overturning a denial in a few weekes.

Are life insurance claims from Colorado employers governed by ERISA?

Yes. In Englewood, we appealed an ERISA denial and recovered $280,000 for a client misled about policy terms.

How long do I have to contest a life insurance denial in Colorado?

Usually 180 days for ERISA policies. In Delta, we preserved a claim by appealing just before the deadline and later secured full benefits.

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

Call a life insurance attorney immediately. We reversed a $325,000 denial where the insurer claimed a vague exclusion applied, but we showed the language was ambiguous and favored coverage.

What if the insurer says Colorado law supports the denial?

Insurers often misinterpret the law. In Grand Junction, we challenged a wrongful denial that misused a Colorado’s statute.

What happens if the insurer delays paying a valid claim for months?

That may be bad faith. In Westminster, we forced an insurer to pay a delayed $300,000 claim, the full policy amount.

What if the insurer says the policy lapsed but we never got a notice?

We challenge it. In Canon City, we recovered benefits after proving no final lapse notice was ever received.

Can a policy lapse be used to deny a life insurance claim in Colorado?

Only if proper notice was given. In Pueblo, we overturned a lapse-based denial with respect to the insurer failing to notify the policyholder before cancellation.

What notice must insurers give before canceling a policy in Colorado?

Advance written notice is required. In Commerce City, we reinstated a lapsed policy after proving no final notice was sent.

What if policy language is vague or inconsistent?

Courts favor the insured. In Steamboat Springs, we argued a vague exclusion should be interpreted in favor of coverage and recovered $240,000.

Can an alcohol exclusion be used to deny a life insurance claim in Colorado?

Insurance companies always try, but we win. In Boulder, we defeated a denial where the insurer cited alcohol presence.

Can an insurer deny an accidental death claim by claiming it was natural causes?

Yes, but we fight back. In Highlands Ranch, we used toxicology evidence to prove an accident caused the death, securing $500,000.

Why would an AD&D life insurance claim be denied in Colorado?

Insurers often reclassify the death as non-accidental. We secured a $250,000 benefit after proving a slip-and-fall was not due to a heart attack, as the insurer had claimed.

Can I challenge a last-minute beneficiary change in Colorado?

Yes. In Parker, we invalidated a change made shortly before death by proving the insured lacked mental capacity.

What should I do if I’m facing a life insurance beneficiary dispute in Colorado?

Act fast with an attorney. In Fort Collins, we helped a client win a $275,000 dispute after proving a caregiver had manipulated the policyholder into making a last-minute beneficiary change.

What should I do if I’ve been served with a life insurance interpleader lawsuit in Colorado?

You need legal representation. We represented a client when both an ex-spouse and a current partner filed competing claims. We secured a $400,000 policy for our client.

Can I dispute a suspicious or forged beneficiary designation?

Yes. In Brighton, we reversed a forged change after handwriting analysis confirmed fraud.

What if the agent filled out the application incorrectly?

The insurer may still be responsible. In Littleton, we proved the agent recorded wrong information despite the client’s truthful responses.

Is misrepresentation on the application a valid reason for denial in Colorado?

Only for material and intentional errors. In Greeley, we recovered benefits after proving an omission wasn't material.

What if the policyholder failed to disclose a medical condition?

If it’s unrelated, the claim may still be valid. In Wheat Ridge, we secured benefits after an omission was deemed immaterial.

What if the insured died while traveling or living overseas?

Claims should be paid unless travel is excluded. In Golden, we won a $265,000 benefit after a denial based on a foreign death clause that wasn’t in the policy.

Does Colorado have a law that removes an ex-spouse as beneficiary after divorce?

Yes, unless reaffirmed. In Castle Rock, we recovered $340,000 for our clients.

Can a suicide exclusion be challenged in Colorado?

Yes, if the exclusion period has expired. In Durango, we overturned a denial made three years after policy issuance.

Is Colorado a community property state?

No. 

Can a will override the beneficiary listed on a Colorado life insurance policy?

No. 

What happens if no one is listed as a beneficiary?

The benefit typically goes to the estate. 

What if I’m one of multiple beneficiaries and there’s a dispute?

We defend you. In Erie, we secured our client’s 50% of a $500,000 benefit despite objections from a co-beneficiary.

Can multiple people claim the insured promised them the benefit?

Only the written policy controls. In Woodland Park, we resolved a case involving competing claims.