Life Insurance Lawyer Honolulu Hi
"Life Insurance Lawyers for Honolulu, HI – The Lassen Law Firm" In Honolulu, a paradise that blends stunning landscapes with vibrant Hawaiian culture, navigating life insurance claims can still be a challenging and stressful process—especially when benefits are unfairly denied or delayed. At The Lassen Law Firm, we are dedicated to helping families and individuals in Honolulu secure the financial protection they deserve. Whether you’re near Waikiki’s beautiful beaches, the historic downtown district, or the serene Diamond Head area, we offer trusted legal expertise and personalized care to guide you through the complexities of life insurance claims. Our experienced and trusted Hawaii life insurance lawyers are here to help.
Having recovered hundreds of millions in life insurance claims nationwide, The Lassen Law Firm delivers compassionate representation, relentless advocacy, and proven results for Honolulu residents seeking justice in insurance disputes.
2025 Honolulu Denied Life Insurance Claims
- Riversource interpleader claim $123,000.00
- American National Hawaii wildfires death $90,000.00
- Honolulu denied life insurance claim $40,000.00
- Transamerica prescription drug denial $76,000.00
- State Farm dispute among beneficiaries $95,000.00
- Assurant Life coronavirus fatality denied $88,000.00
- Minnesota Life beneficiary dispute $181,000.00
- Accidental Death & Dismemberment Honolulu $50,000.00
- PruCo life insurance claim delay $38,000.00
- Principal National alcohol exclusion $122,000.00
- Globe Life autoerotic asphyxiation $105,000.00
- Federated Life intoxication exclusion $50,000.00
Questions about life insurance claims in Honolulu, Hawaii
Can a life insurance claim be denied in Honolulu if the policyholder omitted alternative medicine treatments?
Yes, but only if the omission was material and discovered during the contestability period. For example, if an applicant failed to disclose undergoing acupuncture at a Honolulu wellness clinic for heart issues, the insurer might argue that risk was concealed.
What happens if a Honolulu insurer cancels a life insurance policy during the policyholder’s hospitalization?
If the insurer failed to issue proper lapse notices while the policyholder was hospitalized at The Queen’s Medical Center, the cancellation may be invalid. Hawaii law demands that policyholders—and sometimes third parties—receive adequate warning.
Can a Honolulu life insurance claim be denied due to a typo in the policyholder’s name or Social Security number?
No. For example, if the policyholder’s last name was misspelled or one digit of the SSN was off, but identity is otherwise confirmed, minor clerical errors cannot block a legitimate claim under Hawaii insurance rules.
Is a handwritten beneficiary change valid in Honolulu if it wasn’t submitted to the insurance company?
No. If someone leaves a handwritten note naming a new beneficiary but never officially filed it with the insurer, Hawaii law requires the original recorded beneficiary designation to control.
What should a beneficiary in Honolulu do if the life insurance company refuses to explain the reason for denial?
Under Hawaii regulations, beneficiaries can demand a written denial letter. If the insurer stalls, filing a complaint with the Hawaii Insurance Division or hiring an attorney can pressure the company to respond properly.
Can a life insurance policy in Honolulu be voided if the insured failed to report seeing a chiropractor?
Not usually. If a Waikiki chiropractor visit was for mild back pain and the omission didn’t affect underwriting, the insurer cannot deny the claim simply because the therapy wasn't disclosed.
Can an ex-spouse in Honolulu receive life insurance benefits if still listed as the beneficiary after divorce?
Yes. Hawaii does not automatically revoke beneficiary rights after divorce. If a former spouse was left on the policy after a split, they remain the legal beneficiary unless the insured updated the paperwork.
Does death during inter-island travel affect a life insurance claim in Honolulu?
No. Whether the insured died while visiting family on Maui or taking a trip to Kauai, it is treated like any in-state death, without penalty unless unusual exclusions apply.
What happens if a Honolulu policyholder made a late premium payment but died before it cleared?
If a policyholder mailed payment during the grace period and passed away before it posted, Hawaii law still considers the policy active. The insurer must honor the claim unless other valid termination grounds exist.
Can a group life insurance policy offered by a Honolulu employer be denied if the employee was misinformed about eligibility?
Yes, but the employer could be liable. For example, if a Honolulu hotel mistakenly told a part-time worker they were insured when they weren’t properly enrolled, the family may sue for the promised benefits.
Can a life insurance claim in Honolulu be denied because the policyholder died overseas?
No, unless the policy had foreign travel exclusions. If a resident passed away on a trip to Japan, for instance, the insurer may require official translated documents but cannot deny the claim absent a clear policy exclusion.
What if a life insurance policy in Honolulu lapsed due to a banking error during automatic payments?
If autopay failed due to a bank glitch and no adequate lapse notice was given, Hawaii insurers may still be required to honor the policy, especially if the policyholder was unaware of the issue.
Are life insurance claims taxable in Honolulu or subject to Hawaii estate recovery?
Direct life insurance payouts to individuals are generally tax-free. However, if benefits are paid into the estate—such as when no beneficiary is listed—those funds could be exposed to probate claims.
Can a caregiver in Honolulu be removed as beneficiary if the family suspects undue influence?
Yes. For example, if a private home nurse was named just before the insured’s passing, and family suspects coercion, the courts can review the change and potentially restore the prior beneficiary.
Does Hawaii recognize bad faith lawsuits for wrongfully denied life insurance claims in Honolulu?
Yes. Hawaii courts allow bad faith claims if insurers wrongfully deny, delay, or mishandle valid claims. Victorious beneficiaries may recover extra damages, legal fees, and punitive penalties in severe cases.
Can a Honolulu life insurance claim be denied if the policyholder was awaiting test results at the time of application?
Only if the policyholder knew of a probable serious diagnosis and hid it. If the applicant was unaware of any diagnosis—like waiting for routine lab results—denial based on that pending information would be improper.
What if the life insurance company in Honolulu denies a claim and says the application was never approved?
If premiums were accepted or temporary coverage was issued, courts may find that a contract existed. For instance, if an insurer cashed a check but later denied the claim, the courts often favor the beneficiary.
Can adult children in Honolulu contest a life insurance payout to a new partner?
Only if evidence of fraud, duress, or mental incapacity exists. Just disliking the beneficiary’s identity—such as a significantly younger new spouse—is not sufficient under Hawaii law.
Does suicide disqualify a life insurance claim in Honolulu?
Only if the suicide occurred during the policy’s exclusion period—typically the first two years. After that, suicide is treated like any other cause of death, and the insurer must pay the claim.
Can a life insurance claim be paid years later in Honolulu if the policy was discovered long after death?
Yes. Hawaii allows beneficiaries to claim old policies. If unclaimed for long periods, proceeds may even be transferred to the Hawaii Unclaimed Property Program, where heirs can still recover the funds.
For more information on insurance regulations and consumer protections in Hawaii, you can visit the Hawaii Department of Commerce and Consumer Affairs Insurance Division or explore nationwide insurance resources through the National Association of Insurance Commissioners (NAIC).