Life Insurance Lawyer Atlanta Ga
"Life Insurance Lawyers for Atlanta, GA – The Lassen Law Firm" In Atlanta, a bustling city that blends Southern charm with urban sophistication, navigating life insurance claims can still be a frustrating experience—particularly when benefits are unfairly delayed or denied. At The Lassen Law Firm, we are committed to helping families and individuals in Atlanta secure the financial peace of mind they deserve. Whether you’re near the vibrant downtown area, the historic neighborhoods of Midtown, or anywhere across Fulton County, we provide trusted legal representation and personalized attention to guide you through every step of the process. Our experienced and trusted Georgia life insurance lawyers are here to help.
Having successfully recovered hundreds of millions in life insurance claims nationwide, The Lassen Law Firm delivers compassionate advocacy, relentless expertise, and proven results for Atlanta residents seeking justice in their insurance disputes.
2025 Atlanta Ga Denied Life Insurance Claims
- National Western denied life insurance claim $202,000.00
- Horace Mann COVID-19 death denial $105,000.00
- TIA-CREF ex-spouse interpleader claim $218,000.00
- Atlanta Georgia denied life insurance claim $30,000.00
- ING Group delay life insurance claim $55,000.00
- Western & Southern Life coronavirus death $60,000.00
- Aflac beneficiary dispute ex-wfie $85,000.00
- Massachusetts Mutual beneficiary dispute $101,000.00
- Accidental Death & Dismemberment Atlanta GA $900.000.00
- Nationwide Mutual life insurance claim $15,000.00
- Protective Life auto-erotic asphyxiation denied $505,000.00
- Pan American Life act of war exclusion $40,000.00
- Garden State Life shooting denial $22,000.00
- Equitrust Life chronic illness exclusion $10,000.00
Questions about life insurance claims in Atlanta, Georgia
Can a life insurance company in Atlanta deny a claim for failing to disclose past medical treatment?
Yes, but only if the omission was material and discovered during Georgia’s two-year contestability period. For example, if an Atlanta policyholder forgot to mention a past surgery unrelated to their death, beneficiaries could argue that the omission wasn’t significant enough to void the policy.
What happens if a life insurance policy in Atlanta lapsed due to a missed premium but the insured had a serious illness?
If the insurer failed to give proper lapse notice while the insured was hospitalized or incapacitated, the cancellation could be challenged. For instance, if a Midtown resident battling cancer missed payments but received no proper warning, the policy might still be enforced.
Can a life insurance claim in Atlanta be denied due to an error in the application filled out by an insurance agent?
No, not if the applicant answered questions truthfully. For example, if a Buckhead resident disclosed a heart condition but the agent failed to note it, Georgia courts usually hold the insurer—not the insured—responsible for the agent’s mistake.
Does divorce in Georgia automatically revoke a former spouse as a life insurance beneficiary in Atlanta?
Yes. If an Atlanta couple divorces, the ex-spouse is generally removed as beneficiary unless the policyholder reaffirmed the designation afterward. This helps avoid unintended payouts after marital status changes.
Can a life insurance policy in Atlanta be challenged if it was changed just days before the insured died?
Absolutely. If a dying insured changed their beneficiary days before death and there’s evidence of undue influence—like a new caregiver receiving the payout—Georgia courts will scrutinize the change closely.
What should an Atlanta beneficiary do if the insurer refuses to explain the claim denial?
You should demand a written explanation. If the insurance company continues to stonewall, filing a complaint with the Georgia Office of Insurance and consulting a life insurance attorney in Atlanta can escalate the matter effectively.
Is a claim in Atlanta valid if the life insurance policy was missing but payments were still being deducted?
Yes. If a resident of East Atlanta was having premiums automatically withdrawn, the policy is likely active, even if paperwork was lost. Bank statements and employer records often help prove continuous coverage.
Can a life insurance policy in Atlanta be denied based on unintentional errors about weight, height, or family history?
Only if the error was material to underwriting. A 10-pound weight misstatement or forgetting to mention a grandparent’s illness usually doesn’t justify denial unless directly related to the insured’s death.
Can a Georgia employer be held liable if a life insurance policy was never properly activated for an Atlanta employee?
Yes. If an employee signed up for life insurance at a major downtown employer and the HR department failed to enroll them correctly, the company could be on the hook for the death benefit.
Can a life insurance claim be denied in Atlanta if the death occurred while the insured was involved in illegal activity?
Yes, but the insurer must prove that the illegal act directly caused the death. For example, if a Decatur resident died during a robbery they committed, the insurer might invoke an illegal activity exclusion.
What happens if multiple beneficiaries in Atlanta claim the same life insurance policy?
The insurer will likely file an interpleader action in Fulton County, letting the court decide. Conflicting beneficiary forms—like one from 2017 and another from 2023—often require judicial resolution.
Can an Atlanta life insurance claim be denied if the insured died while traveling abroad?
No, unless the policy specifically excluded deaths outside the U.S. A trip to Europe for vacation, for example, would generally still be covered unless the policy had explicit foreign travel exclusions.
Are handwritten changes to a life insurance policy valid in Atlanta?
Only if they were properly submitted and accepted by the insurer before death. A handwritten note tucked into a desk drawer won't override the last official form on file unless fraud is proven.
Can a life insurance claim be denied in Atlanta due to suicide?
Only if the suicide occurred within the two-year suicide exclusion period. After that, as in the case of a Midtown policyholder who died three years into their policy, the insurer must pay the claim.
Can adult children in Atlanta contest a life insurance policy left to a new spouse?
Only with legal proof of wrongdoing. For example, if an aging parent was coerced into naming a much younger new spouse while in a nursing home, children could potentially challenge the designation.
What should you do in Atlanta if the insurer claims the policy was never activated but you have confirmation emails?
You should present the emails, payment records, and any written communications. Courts in Georgia often find that acceptance of payment and written acknowledgments create a binding contract even without a formal policy delivery.
Does Georgia law allow bad faith lawsuits for denied life insurance claims in Atlanta?
Yes. If an insurer drags out or wrongfully denies a valid claim, Atlanta beneficiaries can sue for bad faith damages, including attorney’s fees, interest, and sometimes punitive awards.
What if an Atlanta resident failed to disclose a prior policy on their life insurance application?
Unless specifically asked and the omission materially altered underwriting risk, it generally does not justify denial. Forgetting about a small policy from years ago is rarely enough to void a new policy.
How long does a life insurance company have to process a claim in Atlanta?
Under Georgia law, insurers must process and pay life insurance claims within 60 days once proof of death is provided. Delays beyond that without justification can lead to interest penalties and regulatory action.
Can a life insurance claim in Atlanta be denied for nonpayment if the policyholder relied on automatic withdrawals?
If a technical glitch caused a missed payment and the policyholder wasn’t notified, the denial could be challenged. For example, if a North Atlanta policyholder had auto-draft failures they were unaware of, the policy might still be considered active.
For more information on insurance regulations and consumer protections in Georgia, you can visit the Georgia Office of Insurance and Safety Fire Commissioner or explore nationwide insurance resources through the National Association of Insurance Commissioners (NAIC).