Life Insurance Lawyer Des Moines Ia
"Life Insurance Lawyers for Des Moines, IA – The Lassen Law Firm" In Des Moines, Iowa's vibrant capital known for its flourishing arts scene and Midwestern charm, navigating life insurance claims can still be a frustrating and overwhelming process—especially when benefits are wrongfully delayed or denied. At The Lassen Law Firm, we are dedicated to helping families and individuals in Des Moines secure the financial protection they deserve. Whether you’re near the bustling downtown area, the scenic Gray's Lake Park, or anywhere across Polk County, we provide trusted legal expertise and personalized guidance every step of the way. Our experienced and trusted Iowa life insurance lawyers are here to help.
With a proven nationwide record of recovering hundreds of millions in life insurance claims, The Lassen Law Firm delivers compassionate representation, relentless advocacy, and trusted results for Des Moines residents seeking justice in insurance disputes.
2025 Des Moines Iowa Denied Life Insurance Claims
- FEGLI denied life insurance claim $300,000.00
- Puritan wrong age on application $106,000.00
- Great Southern Life COVID 19 declined $112,000.00
- Chase long lapse of policy resolved $25,000.00
- Trinity Life coronavirus death declined $50,000.00
- AARP life insurance delay $101,000.00
- Des Moines Iowa death benefit declined $220,000.00
- SGLI Army beneficiary dispute $40,000.00
- William Penn Life Insurance denied claim $156,000.00
- Franklin Life intoxication exclusion lawsuit $38,000.00
- Level Premium lapse of policy nonpayment $56,000.00
- Des Moines Iowa accidental death denial $300,000.00
- Primerica lawsuit interpleader claim $105,000.00
- ERISA life insurance claim denied $92,000.00
- VGLI insurance beneficiary dispute $400,000.00
- American Income Life sickness exclusion $56,000.00
- AVMA Life chronic illness exclusion lawsuit $110,000.00
Questions about life insurance claims in Des Moines
Questions About Life Insurance Claims in Des Moines
What should I do if my life insurance claim in Des Moines was denied?
You should contact an experienced Des Moines life insurance attorney immediately. For example, if your claim was denied over a disputed cause of death, a lawyer can challenge the insurer’s reasoning and help secure the benefits you deserve.
What happens if I’m served with a life insurance interpleader lawsuit in Des Moines?
You must respond carefully to protect your rights. Hiring a skilled Des Moines life insurance lawyer is crucial. For instance, if multiple beneficiaries are fighting over the payout, your attorney can argue your rightful claim in court.
Does Iowa's automatic revocation law impact life insurance after divorce in Des Moines?
Yes. Iowa law generally removes an ex-spouse as a beneficiary unless the insured reaffirmed the designation after divorce. For example, if the policyholder forgot to refile beneficiary forms post-divorce, the ex-spouse may lose rights to the payout.
Can a Des Moines life insurance claim be denied due to a farming accident?
Yes, deaths from farm machinery or chemical exposure can trigger exclusions under some policies. For instance, if a tractor rollover causes death, insurers might argue it's an occupational hazard, but an attorney can fight to overturn that denial.
How does a funeral home’s delay in reporting a death affect Des Moines life insurance claims?
If a funeral home delays notification, insurers might argue the policy lapsed. For example, if a small-town funeral home failed to timely notify the insurer, beneficiaries will need legal help proving coverage was still active at the time of death.
Can group life insurance benefits from a Des Moines employer be lost after leaving the job?
Yes. If a departing employee doesn't convert their group coverage into an individual policy, benefits could be lost. For instance, if the company failed to provide proper conversion notices, families may still have a valid claim for benefits.
What if a Des Moines insured's death certificate lists an uncertain cause of death?
An "undetermined" cause can delay or jeopardize claims. For example, if a death certificate says "pending investigation," beneficiaries can work with a lawyer to supplement the claim with medical and police reports.
Can a Des Moines beneficiary lose a claim if the insured died while hunting or fishing?
Possibly. Some life insurance policies exclude deaths from hazardous recreational activities. For instance, if the insured died during a hunting trip and the policy excludes such activities, the insurer may attempt to deny the payout.
What if a Des Moines life insurance company accuses the insured of fraud?
The insurer must prove fraud with clear evidence. For example, if they allege the insured concealed a health condition, they must show intentional misrepresentation, not just a mistake or oversight.
Can Des Moines beneficiaries recover interest for delayed life insurance payouts?
Yes. Iowa law mandates interest if insurers delay payments without valid reason. For example, if a claim isn’t paid within 60 days, the beneficiary may be entitled to interest on top of the benefit amount.
How do courts in Des Moines handle life insurance disputes between a new spouse and adult children?
Courts carefully review beneficiary designations and other evidence. For example, if a policyholder named a new spouse but left conflicting instructions elsewhere, the court determines the rightful beneficiary based on legal standards.
Can a Des Moines life insurance claim be denied because of COVID-19?
Typically no. Most life policies cover COVID-19 deaths. However, outdated or specific accident-only policies might exclude pandemic-related claims. For instance, an old AD&D rider might exclude virus-related deaths, allowing a denial attempt.
What evidence strengthens a contested life insurance claim in Des Moines?
Important documents include premium receipts, recent beneficiary forms, and communication records. For instance, showing an updated beneficiary form after divorce can solidify a claim if someone else contests it.
What if a Des Moines insured changed their life insurance beneficiary shortly before dying?
Beneficiary changes near death can be challenged for undue influence or lack of capacity. For example, if an ill insured switched beneficiaries under suspicious circumstances, family members may have grounds to contest the change.
How do Des Moines residents fight denied accidental death claims from vehicle accidents?
Insurers often blame pre-existing conditions. For example, if a car crash victim had heart disease, insurers might wrongly deny the claim. A lawyer can help prove that the accident, not illness, caused the death.
Can Des Moines families challenge a life insurance lapse caused by missing premium notices?
Yes. Iowa law requires proper notice before canceling a policy. For example, if a Des Moines resident didn’t receive premium due notices, their policy shouldn’t legally lapse, and denials can be contested.
What are common beneficiary disputes in Des Moines life insurance cases?
Typical disputes involve new spouses versus adult children, ex-spouses claiming reinstatement, and handwritten changes. For instance, if an ex-spouse claims a verbal promise reinstated them, a legal challenge may arise.
Can a Des Moines life insurance claim be denied because the insured was intoxicated?
Possibly, but insurers must prove alcohol directly caused the death. For example, if a car crash involved alcohol but the insured wasn’t impaired while driving, a denial may be improper and legally challenged.
How can Des Moines families fight an insurer applying an illness exclusion to an accidental death?
By proving the accident was the main cause of death. For example, if someone slipped and fell despite minor health issues, the family can argue that the accident—not illness—was the true cause of death.
What protections exist for Des Moines beneficiaries facing wrongful claim denials?
Iowa’s Unfair Claims Settlement Practices Act offers remedies, including extra damages. For instance, if a Des Moines insurer unreasonably delays payment, the beneficiary can sue for legal fees, penalties, and additional compensation.
How long does it usually take to get paid on a Des Moines life insurance claim?
Typically, claims pay out within 30–60 days once documents are complete. For example, without disputes or missing paperwork, beneficiaries should receive benefits within that timeframe. Delays could indicate bad faith practices.
For more information on insurance regulations and consumer protections in Iowa, you can visit the Iowa Insurance Division or explore nationwide insurance resources through the National Association of Insurance Commissioners (NAIC).