Life Insurance Lawyer Detroit Mi
"Life Insurance Lawyers for Detroit, MI – The Lassen Law Firm" In Detroit, a city renowned for its rich history as the Motor City and its vibrant arts and music scene, navigating life insurance claims can still be a frustrating and overwhelming process—especially when benefits are unfairly delayed or denied. At The Lassen Law Firm, we are dedicated to helping families and individuals in Detroit secure the financial protection they deserve. Whether you’re near the bustling Downtown area, the iconic Detroit Riverwalk, or anywhere across Wayne County, we provide trusted legal expertise and personalized guidance every step of the way. Our experienced and trusted Michigan life insurance lawyers are here to help. 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 Detroit residents seeking justice in insurance disputes.
2025 Detroit Denied Life Insurance Claims
- Freedom Life denial $101,000.00
- COVID-19 death claim Detroit $44,000.00
- Detroit Michigan denied life insurance claim $$9,000.00
- VGLI change of beneficiary $400,000.00
- Detroit Michigan denied life insurance claim $30,000.00
- Farmers beneficiary dispute $200,000.00
- Erie Life insurance 2 year clause denied $70,000.00
- Geico coronavirus policy exclusion $12,000.00
- Military life insurance death benefits $403,760.00
- Double indemnity claim denied Detroit $200,000.00
- New York Life interpleader lawsuit $150,000.00
- AD&D claim Detroit Michigan policy $67,000.00
- Gerber COVID-19 coronavirus denial $130,000.00
Questions About Life Insurance Claims in Detroit, Michigan
Can a former spouse in Detroit still receive life insurance if the insured forgot to update the beneficiary?
Usually not. Michigan law automatically revokes a former spouse’s beneficiary designation after divorce unless reaffirmed in writing afterward. In Detroit, disputes often arise with older policies that were never updated.
Can a Detroit life insurance claim be denied if the insured had an undisclosed medical condition?
Yes — but only if the omission was material and the death occurred during the two-year contestability period. If the condition was unrelated or the insurer failed to properly investigate, the denial may be challenged.
What if the insured died while committing a crime in Detroit — can the policy still pay out?
Policies often exclude deaths from felonies. However, Detroit courts scrutinize whether the illegal act directly caused the death. Minor offenses or incidental involvement may not void the claim.
Can a life insurance policy lapse in Detroit without proper notification from the insurer?
No. Michigan law mandates that insurers send lapse notices and honor a grace period. If a Detroit resident wasn’t properly notified, the policy may still be enforced.
Can benefits be denied if the insured was a UAW worker and HR never finalized enrollment?
Yes, but recovery is often possible. Detroit union workers rely on HR to process benefits, and if miscommunication occurred, we often secure payouts based on equitable principles.
What if the Detroit beneficiary is accused of involvement in the insured’s death?
Under Michigan’s slayer statute, beneficiaries proven to have intentionally caused the death cannot collect. However, mere accusations aren’t enough — strong proof or a conviction is required.
Can a life insurance policy be denied if the insured died during an international trip?
Sometimes. Policies may have exclusions for travel to high-risk areas. Detroit families should review the full policy and gather translated documents to validate the claim.
Can a claim be denied in Detroit due to undisclosed mental health history?
Yes — but only if the omission was intentional and material to the cause of death. Many Detroit denials based on mental health are successfully challenged with medical and legal evidence.
What if the insurer claims the Detroit policy was never properly issued?
If premiums were paid or coverage was promised, Detroit beneficiaries can often argue the insurer is estopped from denying coverage, even if technicalities are cited.
Can beneficiaries be denied due to incomplete claim paperwork in Detroit?
Temporarily, yes. But missing documents don’t justify a permanent denial. We help Detroit families quickly supply hospital records, identity documents, and corrected claim forms to resolve delays.
Are handwritten beneficiary changes valid in Detroit life insurance cases?
Yes. If the handwritten change is signed, dated, and clearly shows intent, Michigan courts — including Wayne County — may uphold it even if formal paperwork wasn’t submitted.
Can an AD&D claim be denied in Detroit for a death during recreational ATV use?
Yes — some policies exclude high-risk activities. However, Detroit beneficiaries can often defeat exclusions if the policy doesn’t clearly define ATV use as hazardous or if the accident was unexpected.
What happens if the insured changed jobs in Detroit and never updated their occupational information?
Unless the new job was riskier and disclosure was required, insurers cannot deny coverage simply for a job change. We often protect Detroit auto industry workers facing such disputes.
Can suicide be grounds for denial in Detroit life insurance claims?
Yes — but only within the two-year suicide exclusion window. After that, suicide is typically covered. We also challenge denials when the cause of death is disputed or unclear.
What if the insured died after receiving alternative or experimental medical treatment in Detroit?
Denials based on experimental treatment exclusions must be narrowly applied. If the treatment was physician-recommended or medically necessary, Detroit families can often overturn the denial.
Can a group life insurance policy at a Detroit hospital or government office be denied for administrative reasons?
Yes — but these denials are frequently reversed. Detroit families, especially those tied to DMC, Wayne County agencies, or public employers, often recover based on misrepresentation or HR errors.
Can vague policy language be used to justify denial in Detroit?
Insurers often try, but Michigan law requires ambiguous language to be interpreted in favor of the insured. We routinely defeat Detroit denials based on unclear policy wording.
Can a life insurance claim be denied in Detroit if the insured’s death involved drugs or alcohol?
Only if the policy specifically excludes substance-related deaths and the substance directly caused the fatal event. Presence alone isn’t sufficient grounds for denial under Michigan law.
What if two people claim the same life insurance policy in Detroit?
The insurer may file an interpleader lawsuit in Wayne County Circuit Court. We assist Detroit families in proving rightful beneficiary status through documentation, affidavits, and court advocacy.
What legal recourse do Detroit families have if a life insurance claim is denied unfairly?
They can sue for breach of contract and seek damages for bad faith if the insurer acted unreasonably. Michigan law allows Detroit claimants to recover benefits, attorney’s fees, interest, and sometimes punitive damages.
For more information on insurance regulations and consumer protections in Michigan, you can visit the Michigan Department of Insurance and Financial Services (DIFS) or explore nationwide insurance resources through the National Association of Insurance Commissioners (NAIC).