Life Insurance Lawyer Baltimore Md

"Life Insurance Lawyers for Baltimore, MD – The Lassen Law Firm" In Baltimore, a vibrant city with rich history, cultural landmarks, and the scenic Inner Harbor, navigating life insurance claims can still be a challenging and frustrating experience—particularly when benefits are unfairly delayed or denied. At The Lassen Law Firm, we are committed to helping families and individuals in Baltimore secure the financial peace of mind they deserve. Whether you’re near the bustling downtown area, the historic Fell’s Point, or anywhere across Baltimore City or Baltimore County, we provide trusted legal expertise and personalized guidance every step of the way. Our experienced and trusted Maryland 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 Baltimore residents seeking justice in insurance disputes.

2025 Baltimore Denied Life Insurance Claims

  • State Farm delay of benefits claim $100,000.00
  • Alfa Life contestable period issue $15,000.00
  • Baltimore Maryland denied life claim $700,000.00
  • VGLI girlfriend vs ex-wife $400,000.00
  • Fidelity & Guarantee Key Person life insurance $900,000.00
  • Allstate interpleader won $75,000.00
  • Accidental Death & Dismemberment Baltimore $500,000.00
  • New York Life denial $309,000.00
  • SGLI change of beneficiary $400,000.00
  • Baltimore Maryland denied life insurance claim $15,000.00
  • Transamerica beneficiary dispute $500,000.00
  • Protective Life interpleader lawsuit $190,000.00
  • MassMutual coronavirus denial $120,000.00

Questions About Life Insurance Claims in Baltimore, Maryland

Can an ex-spouse still collect life insurance in Baltimore if they were never removed as beneficiary?

Usually not. Maryland law revokes an ex-spouse’s beneficiary designation after divorce unless the insured explicitly reaffirmed it. In Baltimore, many disputes arise when outdated forms surface, but courts typically enforce the revocation rule unless clear post-divorce intent is shown.

What if the insured in Baltimore died during a felony — can the claim be denied?

Yes. Most policies exclude deaths resulting from criminal acts. However, Baltimore courts require proof that the felony was actively occurring and directly caused the death. Denials based on speculation often fail.

Can a life insurance claim be denied in Baltimore due to alleged suicide within two years of purchase?

Yes. Suicide exclusions during the first two years are standard. But Baltimore families can challenge these denials if evidence suggests the death was accidental, ambiguous, or mischaracterized by the insurer.

What happens if a Baltimore policyholder dies while traveling abroad and the insurer questions the death?

Claims involving foreign deaths are often delayed. In Baltimore, obtaining embassy-certified death certificates, medical reports, and legal affidavits typically satisfies insurers and forces them to pay.

Can Baltimore claims be denied for high-risk hobbies like rock climbing or scuba diving?

Yes, especially if undisclosed on the application. However, Baltimore beneficiaries can sometimes argue that the insurer waived its right to deny by continuing to collect premiums while aware of the hobby.

What if a Baltimore life insurance policy lapsed due to missed payments?

Insurers must provide proper lapse notices before canceling. If the Baltimore policyholder didn’t receive adequate warning, beneficiaries may force payment based on notice violations or equitable reinstatement.

Can a beneficiary in Baltimore be denied due to suspicion in the insured’s death?

Yes, under Maryland’s slayer rule. But mere suspicion isn’t enough — there must be clear proof, often a criminal conviction, that the beneficiary intentionally caused the insured’s death.

What if a Baltimore life insurance claim was denied based on a supposed misstatement in the application?

If the policy was within the contestability period, insurers can rescind for material misstatements. Baltimore courts, however, require a direct link between the error and the cause of death to uphold such denials.

Can a claim be denied in Baltimore due to alleged pre-existing conditions?

Only if the condition was undisclosed and directly contributed to death. Baltimore beneficiaries can often overcome denials where the cause of death was unrelated to the alleged condition.

How are AD&D policies denied in Baltimore for incidents not considered “accidental”?

Insurers may narrowly define "accident," but Baltimore courts often apply a common-sense standard. Fatal falls, unexpected reactions, and sudden injuries are usually upheld as accidental.

Can a claim be denied in Baltimore for lack of medical records or missing documents?

Yes, temporarily. However, with persistence, Baltimore families can provide supplemental records and force the insurer to complete its review and pay valid claims.

Can a claim be denied if the death occurred while fleeing police or committing a crime in Baltimore?

Yes. Criminal activity exclusions may apply, but insurers must show the crime directly caused the death. Baltimore courts often scrutinize these claims closely to avoid unfair denials.

What if the insurer claims the Baltimore policyholder failed to disclose treatment for mental health conditions?

Insurers must prove intentional concealment and materiality. In Baltimore, accidental deaths unrelated to mental health issues often defeat denial attempts based on omitted mental health treatment history.

Can a claim in Baltimore be denied because of vague or conflicting policy language?

Possibly — but courts usually side with beneficiaries. In Maryland, ambiguous terms are construed against the insurer, giving Baltimore claimants strong leverage in disputes over unclear policy wording.

What if the Baltimore policy was employer-sponsored and the worker never converted it after leaving the job?

This is a common denial. If the Baltimore worker wasn’t informed of their right to convert, beneficiaries can often compel payment by suing for negligence or violation of ERISA standards.

Can beneficiaries in Baltimore be accused of fraud for submitting inaccurate claim information?

Only intentional fraud justifies denial. Minor mistakes or documentation inconsistencies do not. Baltimore courts require strong evidence before upholding fraud-based denials.

What happens if the insured died during a non-covered medical procedure in a Baltimore hospital?

Some policies exclude deaths from experimental treatments. If a licensed doctor recommended the procedure, Baltimore families can often argue that the death should still be covered.

Can a Baltimore claim be denied due to a prior policy rescission that wasn’t disclosed?

It depends. If application questions were vague or the issue wasn’t material, Baltimore beneficiaries may still win. Denials based on hidden rescissions require detailed scrutiny of the facts.

What if the insurer in Baltimore claims the policy was void from the beginning due to fraud?

Insurers must prove intentional deceit — not innocent mistakes. In Baltimore, insurers who continued accepting premiums after discovering errors often waive their right to void the policy.

Can a Baltimore life insurance claim be denied under a pandemic or natural disaster exclusion?

Rarely. Pandemic-related exclusions are difficult to enforce unless clearly stated. Baltimore courts often reject vague or overly broad exclusion attempts tied to COVID-19 or natural disasters.

​For more information on insurance regulations and consumer protections in Maryland, you can visit the Maryland Insurance Administration or explore nationwide insurance resources through the National Association of Insurance Commissioners (NAIC).