Life Insurance Claim Resources Fact Sheet

Christian Lassen, Esq. | Quoted in The Wall Street Journal | 25 Years Experience Helping beneficiaries nationwide understand and overcome life insurance claim denials, delays, disputes, and exclusions.

What Are Life Insurance Claim Resources?

Life insurance claims are often denied, delayed, or disputed for many reasons. Beneficiaries face complex rules under private policies, employer‑provided ERISA plans, military programs like SGLI, and federal programs like FEGLI.

This Resources hub provides fact sheets and guides on the most common issues, exclusions, and disputes. Each fact sheet explains why claims are denied, what rights beneficiaries have, and how legal action can help.

Fact Sheets Available

Denials & Delays

• Denied Life Insurance Claim Fact Sheet why insurers deny claims and how to challenge them.
• Delayed Life Insurance Claim Fact Sheet common delay tactics and how to compel prompt payment.
• Denied AD&D Claim Fact Sheet accidental death and dismemberment disputes.
• Denied ERISA Claim Fact Sheet employer‑provided coverage governed by federal law.
• Denied SGLI Claim Fact Sheet military life insurance disputes.
• Denied FEGLI Claim Fact Sheet federal employee life insurance denials.

Policy Issues

• Life Insurance Lapse Fact Sheet disputes over alleged nonpayment and lapse notices.
• Proof of Loss Deadline Fact Sheet claims denied for late filing.
• Foreign Death Claims Fact Sheet disputes when death occurs outside the U.S.

Beneficiary & Dispute Cases

• Life Insurance Beneficiary Disputes Fact Sheet conflicts over designations and competing claims.
• Life Insurance Interpleader Lawsuits Fact Sheet when insurers deposit funds with the court.
• Divorce & Beneficiary Designations Fact Sheet disputes involving ex‑spouses.
• Children from Multiple Marriages Fact Sheet conflicts among heirs.
• Common‑Law Spouse Claims Fact Sheet disputes over non‑married partners.

Exclusions

• Fraud / Material Misrepresentation Fact Sheet false or incomplete application information.
• Suicide Clause Fact Sheet exclusions within the first 1–2 years.
• Criminal Activity Fact Sheet deaths during illegal acts.
• Contestability Period Fact Sheet insurer reviews during the first two years.
• Hazardous Activities Fact Sheet risky hobbies like skydiving or scuba diving.
• Alcohol Exclusion Fact Sheet denials linked to intoxication.

Why These Resources Matter

• Insurers often rely on technicalities, exclusions, or paperwork errors to deny claims.
• Beneficiaries may still have legal grounds to challenge denials.
• Understanding these issues helps families act quickly and protect their rights.

Your Legal Rights

• Insurers must prove exclusions or denials are valid.
• Beneficiaries can appeal, demand evidence, and file lawsuits for breach of contract or bad faith.
• Courts often side with beneficiaries when insurers misapply rules or exclusions.

How We Help

• Provide clear guidance through fact sheets and resources.
• Represent beneficiaries nationwide in disputes, appeals, and lawsuits.
• Secure rightful payouts for families across all 50 states.

Contact Us

If your life insurance claim has been denied, delayed, or disputed, don’t wait. Insurers count on families giving up. Call 800‑330‑2274 for a free consultation. No fees unless we win.

Key Takeaways

This Resources hub covers denials, delays, disputes, exclusions, and federal programs.

• Each fact sheet explains common issues and how to fight back.
• Beneficiaries have strong legal rights to challenge wrongful denials.
• Prompt legal action increases the chance of success.

Written & Reviewed by Christian Lassen, Esq., Nationally recognized life insurance lawyer: 25 years experience, hundreds of millions recovered.  Quoted in The Wall Street Journal ( May 17, 2025).

Last reviewed: Dec 7, 2025 | Contact 800-330-2274