Life Insurance Lawyer Boston Ma
"Life Insurance Lawyers for Boston, MA – The Lassen Law Firm" In Boston, a historic city known for its cultural landmarks and revolutionary spirit, navigating life insurance claims can still be a complex and overwhelming experience—especially when benefits are unfairly delayed or denied. At The Lassen Law Firm, we are dedicated to helping families and individuals in Boston secure the financial protection they deserve. Whether you’re near the historic Freedom Trail, the vibrant Back Bay, or anywhere across Suffolk County, we provide trusted legal expertise and personalized care every step of the way. Our experienced and trusted Massachusetts life insurance lawyers are here to help.
With a proven record of recovering hundreds of millions in life insurance claims nationwide, The Lassen Law Firm delivers compassionate advocacy, relentless representation, and trusted results for Boston residents seeking justice in insurance disputes.
2025 Boston Denied Life Insurance Claims
- SBLI paid to wrong person $300,000.00
- Foresters Financial contestable period $10,000.00
- Boston Massachusetts denied life claim $15,000.00
- Pheonix Life COVID 19 demise $200,000.00
- AIG suicide or self-inflicted injury $100,000.00
- Key person life insurance denial Boston $800,000.00
- Foresters Financial interpleader $135,000.00
- Boston Massachusetts coronavirus death lawsuit $340,000.00
- United Home Life denial of death benefits $69,000.00
- VGLI beneficiary dispute $400,000.00
- Boston Massachusetts denied life insurance claim $30,000.00
- Gerber beneficiary dispute $200,000.00
- Connecticut Mutual Life / MassMutual death $400,000.00
Questions About Life Insurance Claims in Boston, Massachusetts
Can an ex-spouse still receive life insurance benefits in Boston if the divorce occurred years ago?
Not typically. Under Massachusetts law, divorce automatically revokes an ex-spouse’s beneficiary designation unless the insured reaffirmed them afterward. In Boston, disputes often arise when beneficiary forms remain outdated.
Can life insurance claims be denied in Boston if the insured misrepresented a prior diagnosis?
Yes — especially within the two-year contestability period. However, Boston beneficiaries can often challenge denials by showing the misstatement was minor, unrelated to the death, or effectively waived by the insurer’s continued acceptance of premiums.
What if the insured in Boston died abroad and the insurer claims there’s insufficient documentation?
We routinely help Boston families gather consular death certificates, embassy verifications, and sworn affidavits to satisfy insurers and prevent wrongful claim denials due to foreign documentation delays.
Can life insurance be denied in Boston if the policyholder died while engaging in a high-risk activity like scuba diving or skiing?
Possibly. Some policies exclude hazardous hobbies, but vague language often allows Boston courts to rule in favor of beneficiaries — especially when the activity was not unusually dangerous.
What happens if a Boston hospital listed “undetermined” as the cause of death — can that stall the claim?
Yes, temporarily. Insurers may delay payment, but Boston families can often overcome this by obtaining autopsy reports, medical examiner findings, and physician certifications clarifying the cause.
Can a Boston insurer deny a claim because the beneficiary is suspected of wrongdoing?
Yes, under Massachusetts’ slayer statute. However, mere suspicion isn’t enough — a conviction or substantial proof is typically required for denial in Boston courts.
Can a group life policy offered by a Boston university or hospital be denied due to incomplete enrollment?
Yes, but denials can often be overturned. If an MGH, Harvard, or BU employee reasonably believed they had coverage, legal doctrines like equitable estoppel may protect the beneficiary’s rights.
What if a Boston life insurance policy lapsed due to nonpayment, but no notice was sent?
Insurers must provide written lapse notices and honor grace periods under Massachusetts law. Without proper notice, Boston beneficiaries can often force policy enforcement and full benefit payment.
Can suicide ever be excluded from a Boston life insurance policy?
Yes, but only during the initial two-year suicide exclusion period. After that, suicide is generally covered. Boston families can also dispute denials if the death timeline or cause is unclear.
What if the insured failed to disclose treatment for depression or anxiety — can the claim be denied?
Possibly. However, in Boston, insurers must prove the omission was intentional and materially related to the death. Many mental health-related denials are overturned with legal challenges.
Can a life insurance claim be denied in Boston for foreign prescriptions or non-covered treatments?
Sometimes. Policies may exclude experimental treatments, but Boston courts often require insurers to prove the treatment fell squarely within the exclusion before upholding a denial.
What happens if multiple people claim the same policy in Boston and the insurer files an interpleader?
The funds are deposited with the Suffolk County court, and claimants litigate their entitlement. Interpleaders are common in Boston when remarriages or handwritten beneficiary changes create conflicts.
Can a Boston claim be denied due to incomplete documents or errors on the claim form?
Temporarily, yes. But Boston families can usually resolve document errors by providing updated records, corrected claim forms, or hospital documentation to push the claim through.
Are handwritten or informal beneficiary designations valid in Massachusetts?
Yes. Boston courts recognize handwritten and informal beneficiary changes if they clearly show intent, are signed and dated, and aren’t contradicted by later formal documents.
Can insurers in Boston deny claims based on criminal exclusions if the insured died while committing a crime?
Yes — but the death must directly result from the crime. Boston beneficiaries can often defeat exclusions when the connection between the act and death is weak or disputed.
What if the insurer claims the Boston policy was never activated due to a returned premium?
If the insurer failed to properly notify the insured of returned payments, Boston courts may still enforce coverage based on contract and equitable principles, especially when the insured acted in good faith.
Can Rockport or Cape Cod deaths complicate Boston life insurance claims if the insured lived part-time outside the city?
Rarely. Death location usually doesn’t affect claim validity. However, it can sometimes create confusion over jurisdiction or competing family claims, which can be clarified with proper filings.
Can life insurance claims be denied in Boston due to undisclosed high-risk jobs or recent job changes?
Yes, if the change significantly increased the insurer’s risk and was concealed. But if the insurer failed to ask about job changes or the omission wasn’t material, Boston beneficiaries can often recover.
Can a claim be denied if the policy was through a Boston employer but wasn’t converted after the employee left?
Yes, but that denial is often contestable. If the employer failed to inform the insured about conversion rights, Boston families may hold the employer or insurer responsible under state law.
What should Boston families do if their life insurance claim is denied based on vague policy language?
Massachusetts courts construe ambiguous insurance language in favor of the insured. In Boston, we frequently overturn denials where exclusion clauses are vague or open to multiple interpretations.
You can explore nationwide insurance resources through the National Association of Insurance Commissioners (NAIC).