Life Insurance Lawyer Colorado Springs Co
"Life Insurance Lawyers for Colorado Springs, CO – The Lassen Law Firm" In Colorado Springs, where breathtaking views of Pikes Peak meet a strong and thriving community, life insurance claims can still become a stressful challenge—especially when benefits are denied or delayed unfairly. At The Lassen Law Firm, we are dedicated to helping individuals and families in Colorado Springs recover the financial security they deserve. Whether you’re near the lively downtown area, the serene Garden of the Gods, or in the surrounding neighborhoods, we provide expert legal support and personalized advocacy to guide you through the process. Our experienced and trusted Colorado life insurance lawyers
With a track record of recovering hundreds of millions in life insurance claims nationwide, The Lassen Law Firm is committed to delivering relentless representation, compassionate care, and trusted expertise to Colorado Springs residents facing insurance disputes.
2025 Colorado Springs CO Denied Life Insurance Claims
- Nationwide presription drug exclusion $109,500.00
- Ohio National interpleader lawsuit $75,000.00
- Columbian Mutual intoxication exclusion $90,000.00
- Talcott Resolution COVID-19 death $54,000.00
- Colorado Springs denied life insurance claim $38,000.00
- Primerica denied life insurance claim $151,600.00
- Senior Life coronavirus death denied $49,000.00
- US Financial Life autoerotic asphyxiation $75,000.00
- Colonial Penn alcohol exclusion $124,000.00
- Liberty National beneficiary dispute $72,000.00
- AD&D denied claim Colorado Springs $21,000.00
- Fidelity drug exclusion resolved $99,300.00
- Chubb chronic illness exclusion $12,000.00
- North American Life felony exclusion $70,000.00
- Country Financial act of war exclusion $10,000.00
Questions about life insurance claims in Colorado Springs, Colorado
Can a life insurance claim be denied in Colorado Springs if the policy lapsed without proper notice?
Yes, but Colorado law requires insurers to send sufficient advance notice. For example, if a Colorado Springs insurer failed to notify the policyholder at the last known address, a lawyer can fight to overturn the denial.
What is the contestability period for life insurance policies in Colorado Springs?
The contestability period in Colorado is two years. If the insured dies within that time, insurers can investigate for material misstatements, but minor errors unrelated to risk should not justify denial.
How does Colorado law treat beneficiary disputes involving ex-spouses in Colorado Springs?
Colorado automatically revokes ex-spouse designations after divorce unless reaffirmed. If a Colorado Springs policyholder did not update their beneficiary, legal disputes often arise requiring court intervention.
Can a life insurance claim be denied in Colorado Springs due to alcohol-related death?
Yes, but only if the policy clearly excludes alcohol-related deaths and the insurer proves alcohol contributed. A Colorado Springs attorney can challenge vague or misapplied exclusions.
What happens if a life insurance policyholder in Colorado Springs dies during the contestability period?
The insurer can investigate the application for misstatements. However, beneficiaries can argue that inaccuracies were immaterial and did not justify denial under Colorado law.
Are group life insurance claims in Colorado Springs subject to different rules?
Yes. Most employer-provided group policies are governed by ERISA, a federal law that imposes strict deadlines and preempts Colorado state protections.
Can a life insurance claim be denied in Colorado Springs due to misrepresentation on the application?
Yes, if the misstatement was material to the insurer’s underwriting decision. A Colorado Springs attorney can review whether the alleged misrepresentation truly justified denial.
What recourse do beneficiaries have in Colorado Springs if a life insurance claim is denied?
Beneficiaries can appeal directly with the insurer or file a lawsuit. Many denials are overturned after legal review shows procedural errors or bad faith handling.
Can a life insurance claim in Colorado Springs be denied due to suicide?
Only if death occurred within the first two policy years under the suicide exclusion. After two years, suicide is generally covered under Colorado life insurance policies.
What is the process for contesting a beneficiary designation in Colorado Springs?
If fraud, duress, or lack of capacity is suspected, a beneficiary designation can be challenged in court. Medical records, witness testimony, and legal filings are typically required.
Are there specific time limits for filing a life insurance claim in Colorado Springs?
Most policies require timely submission, but delays are often forgiven if they don't prejudice the insurer. Filing as soon as possible is the safest route to protect your rights.
Can a life insurance claim be denied in Colorado Springs if the policyholder died while committing a felony?
Yes. Many policies exclude deaths during felonies, but whether the act qualifies and whether it caused death are legal issues that a Colorado Springs lawyer can contest.
How does Colorado law address bad faith insurance practices in Colorado Springs?
If an insurer unreasonably denies a claim, Colorado law allows double damages and attorney fees under bad faith statutes, offering strong protection for wronged beneficiaries.
Can a life insurance claim be denied in Colorado Springs due to a lapsed policy?
Yes, but only if the insurer provided proper lapse notices and honored any grace periods. A Colorado Springs attorney can argue for coverage if notice requirements weren’t met.
What is an interpleader action in the context of life insurance claims in Colorado Springs?
An interpleader occurs when multiple parties claim the same proceeds. The insurer deposits the funds with the court and lets a Colorado Springs judge decide who is entitled to the payout.
Can a life insurance claim be denied in Colorado Springs due to the policyholder’s involvement in high-risk activities?
Yes, but only if the policy had a specific exclusion. If the exclusion is vague, a Colorado Springs lawyer can challenge its enforceability.
Do adopted children in Colorado Springs have the same rights to life insurance benefits as biological children?
Yes. Adopted children are treated equally under Colorado law. They are entitled to benefits if the policy designates “children” generally without further restriction.
Can a Colorado Springs beneficiary be disqualified due to allegations of fraud or wrongdoing?
Yes, under Colorado’s slayer statute. If the beneficiary is proven responsible for the policyholder’s death through criminal conviction or civil judgment, they are barred from collecting.
What if the original life insurance policy document is missing in Colorado Springs?
The insurer maintains policy records. As long as death and identity are proven, a missing paper copy does not prevent filing a claim in Colorado Springs.
Are accidental death benefits treated differently than standard life insurance in Colorado Springs?
Yes. Accidental death policies only pay for deaths caused purely by accidents, not illness. Insurers often contest these claims, but a Colorado Springs attorney can argue for proper payout based on the facts.
For more information on insurance regulations and consumer protections in Colorado, you can visit the Colorado Division of Insurance or explore nationwide insurance resources through the National Association of Insurance Commissioners (NAIC).