Life Insurance Lawyer Denver Co
"Life Insurance Lawyers for Denver, CO – The Lassen Law Firm" In Denver, where the beauty of the Rocky Mountains meets the energy of a vibrant urban hub, navigating life insurance claims can still be a daunting process—especially when benefits are unfairly denied or delayed. At The Lassen Law Firm, we are dedicated to helping families and individuals in the Mile High City recover the financial security they are entitled to. Whether you’re in the heart of downtown Denver, the charming neighborhoods of Capitol Hill, or the scenic suburbs, we provide expert legal support and compassionate guidance to help you every step of the way. Our experienced and trusted Colorado life insurance lawyers are here to help.
With a proven track record of recovering hundreds of millions in life insurance claims nationwide, The Lassen Law Firm delivers relentless advocacy, trusted expertise, and a commitment to justice for Denver residents seeking the benefits they deserve.
2025 Denver Co Denied Life Insurance Claims
- Metlife interpleader lawsuit $45,100.00
- AIG denied life insurance claim $84,500.00
- Banner Life COVID-19 death denial $75,000.00
- Denver Colorado denied life insurance claim $88,000/00
- Gerber Life suicide exclusion $76,000.00
- National Life Group coronavirus death denied $12,000.00
- AAA beneficiary dispute resolved $58,000.00
- MassMutual suicide exclusion $49,000.00
- AD&D denied claim in Denver Colorado $30,000.00
- Kemper Life power of attorney change $50,000.00
- Athene Life chronic illness exclusion $71,000.00
- Boston Mutual act of war exclusion $30,000.00
- Unified Life auto-erotic asphyxiation $69,000.00
- OneAmerica material misrepresentation $45,000.00
- Atlantic American intoxication exclusion $82,000.00
Questions about life insurance claims in Denver, Colorado
Can life insurance claims be denied in Denver due to missed premium payments?
Yes, but insurers must first provide proper notice. For example, if a Denver policyholder missed a premium but was never notified, a lawyer can fight to overturn a wrongful lapse-based denial.
What if the Denver policyholder died shortly after buying life insurance—can the claim still be denied?
If death occurs within Colorado’s two-year contestability window, the insurer may investigate. However, small inaccuracies that didn't affect the risk assessment often aren't enough to justify denial.
Do Denver courts enforce ex-spouse beneficiary designations after divorce?
Usually not. Colorado law automatically revokes ex-spouses as beneficiaries unless reaffirmed after divorce. An attorney can help ex-spouses defend or challenge claims depending on the circumstances.
Is Colorado a community property state, and how does that affect life insurance in Denver?
No, but surviving spouses may still argue for a share if marital funds paid the premiums. Legal disputes often arise between spouses and named beneficiaries in Denver courts.
What can a Denver beneficiary do if the insurer says the policy was never active?
If premiums were accepted or a conditional receipt was issued, you may have a strong argument. A Denver lawyer can gather evidence and force the insurer to honor the coverage.
Can alcohol-related deaths result in a denied life insurance claim in Denver?
Yes, but only if an exclusion applies and is clearly written. For example, if alcohol contributed to an accident but the policy language is vague, a Denver lawyer can challenge the denial.
What happens if a Denver resident’s life insurance policy was lost or never located after death?
You can still file a claim by checking financial records and Colorado's unclaimed property database. A Denver attorney can help search and compel insurers to disclose hidden policies.
Are group life insurance claims from Denver employers treated differently?
Yes, many fall under ERISA rules. ERISA claims have strict deadlines and procedures. A Denver attorney can help ensure you don’t lose your rights through missed deadlines.
Can a Denver life insurance beneficiary be changed without their knowledge?
Yes, unless the beneficiary was irrevocable. If a suspicious change occurred shortly before death, a Denver lawyer can challenge it based on coercion, fraud, or lack of capacity.
What if the Denver decedent had multiple life insurance policies?
Each policy must be claimed separately. If you suspect hidden policies, a Denver attorney can help uncover additional benefits through probate or insurer inquiries.
Can a claim be denied in Denver if the policyholder lied about smoking?
Yes, but only during the contestability period or if the misstatement was material. An attorney in Denver can review underwriting files to fight unfair smoking-related denials.
Is a delay in filing a life insurance claim grounds for denial in Denver?
Generally no. As long as claims are filed within a reasonable time, insurers can't deny based purely on delay. A Denver lawyer can push back against improper delay-based denials.
What if the insurer says the policy lapsed but premiums were paid in Denver?
You may be able to overturn the denial by showing bank statements or payment history. Denver lawyers often recover benefits when insurers incorrectly claim lapses.
Can a Denver life insurance claim be denied due to criminal activity by the insured?
Yes, but only if the death occurred during a felony or excluded act. Insurers sometimes misapply this defense, and an attorney can challenge exaggerated or irrelevant denials.
Can Denver beneficiaries sue an insurer for bad faith over a denied claim?
Yes. Under C.R.S. § 10-3-1116, you may recover double damages and attorney’s fees if an insurer unreasonably denies your valid claim in Denver.
Do accidental death policies pay out in Denver if the cause was unclear?
If the official cause is listed as accidental, and no strong evidence contradicts it, Denver courts often favor payment. Insurers must prove a valid exclusion if they deny.
Are life insurance claims harder to win if the Denver policyholder died by suicide?
Only during the first two years. After that, suicide is covered under most Colorado policies. A Denver attorney can ensure insurers don’t misuse suicide clauses beyond the exclusion period.
What rights do adopted children have to life insurance in Denver?
Adopted children are treated the same as biological children under Colorado law. If the policy lists “children” generally, adopted children are automatically included.
Can Denver beneficiaries be denied due to missing documents?
Temporarily yes, but minor missing paperwork like a policy copy should not permanently block payment. A Denver lawyer can help reconstruct the claim and force insurer compliance.
Are there time limits for challenging a denied life insurance claim in Denver?
Yes. The general statute of limitations is three years for contract disputes. ERISA claims have much shorter deadlines, sometimes as little as 60–180 days for appeals.
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).