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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

Q1: Can an ex-spouse still collect life insurance in Baltimore if they were never removed as beneficiary?
In most cases, no. Maryland law automatically revokes an ex-spouse’s beneficiary designation after divorce unless the policyholder reaffirmed them in writing afterward. In Baltimore, this often triggers legal disputes when beneficiary forms remain outdated.

Q2: What if the insured in Baltimore died during a felony — can the claim be denied?
Yes. Many policies exclude deaths that occur during criminal acts. However, Baltimore courts require clear evidence that the act was ongoing and directly caused the death. Denials based on assumptions or unrelated offenses may be overturned.

Q3: Can a life insurance claim be denied in Baltimore due to alleged suicide within two years of purchase?
Yes — most policies include a suicide exclusion during the first two years. But Baltimore families can often contest these denials by proving the death was accidental, unclear, or the policy was misapplied.

Q4: What happens if a Baltimore policyholder dies while traveling abroad and the insurer questions the death?
Insurers often delay claims for foreign deaths due to missing documents or insufficient proof. In Baltimore, we routinely obtain foreign death certificates, embassy verification, and legal affidavits to prove eligibility.

Q5: Can Baltimore claims be denied for high-risk hobbies like rock climbing or scuba diving?
Yes — especially if those activities weren’t disclosed during the application. However, Baltimore beneficiaries can often argue that the insurer waived the right to deny by continuing to accept premiums while knowing of the risk.

Q6: What if a Baltimore life insurance policy lapsed due to missed payments?
Insurers must prove they provided adequate notice before canceling a policy. If the Baltimore policyholder didn’t receive proper warnings, beneficiaries may still recover through lapse reversal or retroactive reinstatement.

Q7: Can a beneficiary in Baltimore be denied due to suspicion in the insured’s death?
Yes. Under Maryland’s slayer statute, a beneficiary suspected of intentionally causing the insured’s death may be barred from collecting. That said, mere suspicion is not enough — a conviction or clear evidence is typically required.

Q8: What if a Baltimore life insurance claim was denied based on a supposed misstatement in the application?
If the death occurred within the contestability period (usually two years), insurers may rescind the policy for material misstatements. However, Baltimore courts often side with beneficiaries if the mistake had no connection to the cause of death.

Q9: Can a claim be denied in Baltimore due to alleged pre-existing conditions?
Yes, but only if the condition was not disclosed and directly contributed to the death. If a Baltimore resident died from unrelated causes, citing an undisclosed pre-existing condition may be legally insufficient for denial.

Q10: How are AD&D policies denied in Baltimore for incidents not considered “accidental”?
Insurers may argue that a fall, drug reaction, or car crash was not “accidental” under narrow definitions. In Baltimore, courts will often favor common-sense interpretations — and beneficiaries can win by presenting medical and situational evidence.

Q11: Can a claim be denied in Baltimore for lack of medical records or missing documents?
Yes — but denials for paperwork issues are often resolved. Our firm helps Baltimore families obtain hospital records, autopsy results, and claim documents to complete the file and force the insurer to reassess the denial.

Q12: Can a claim be denied if the death occurred while fleeing police or committing a crime in Baltimore?
Yes — this can trigger criminal activity exclusions. However, the insurer must prove the insured was actively committing the crime and that it led to the death. Baltimore courts examine the full context closely in these disputes.

Q13: What if the insurer claims the Baltimore policyholder failed to disclose treatment for mental health conditions?
Insurers sometimes use this as a basis for rescission. But unless the mental health issue directly caused the death and was intentionally concealed, Maryland law often protects the beneficiary from such denials.

Q14: Can a claim in Baltimore be denied because of vague or conflicting policy language?
Yes — but courts tend to side with the beneficiary when terms are ambiguous. In Maryland, policy ambiguities are construed against the drafter (the insurer), and we often win cases by highlighting these inconsistencies.

Q15: 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 insured was never informed of their right to convert to an individual policy, we can often force the insurer or employer to pay — especially for claims involving hospitals or city agencies in Baltimore.

Q16: Can beneficiaries in Baltimore be accused of fraud for submitting inaccurate claim information?
Yes — but only intentional fraud justifies denial. Simple mistakes or inconsistent documents do not amount to fraud. We frequently defend Baltimore clients against bad-faith fraud allegations and force insurers to pay.

Q17: What happens if the insured died during a non-covered medical procedure in a Baltimore hospital?
Some policies exclude experimental treatments or non-traditional therapies. But if the treatment was recommended by a licensed physician, Baltimore families can often overcome these denials with expert medical opinions.

Q18: Can a Baltimore claim be denied due to a prior policy rescission that wasn’t disclosed?
It depends. If a prior policy was rescinded for fraud and the applicant failed to disclose it, insurers may deny. But in Baltimore, these cases are complex and often hinge on what questions were actually asked and how they were answered.

Q19: What if the insurer in Baltimore claims the policy was void from the beginning due to fraud?
We challenge these denials by forcing insurers to prove intent. Innocent errors, unclear application questions, or acceptance of premiums after discovery of an issue may legally void the insurer’s argument.

Q20: Can a Baltimore life insurance claim be denied under a pandemic or natural disaster exclusion?
Some policies issued before 2020 attempt to invoke pandemic or “act of God” clauses. We’ve challenged these in Baltimore successfully by showing the death did not fall within the exclusion’s scope or that the language was too vague to enforce.

​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).