Life Insurance Lawyer Grand Rapids Mi
"Life Insurance Lawyers for Grand Rapids, MI – The Lassen Law Firm" In Grand Rapids, a city celebrated for its vibrant arts scene, historic charm, and scenic riverfront, navigating life insurance claims can still be a stressful 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 Grand Rapids secure the financial protection they deserve. Whether you’re near the bustling Downtown area, the beautiful Frederik Meijer Gardens, or anywhere across Kent County, we provide trusted legal expertise and personalized care every step of the way. Our experienced and trusted Michigan life insurance lawyers are here to help. are here to help.
With a nationwide track record of recovering hundreds of millions in life insurance claims, The Lassen Law Firm delivers compassionate advocacy, relentless representation, and trusted results for Grand Rapids residents seeking justice in insurance disputes.
2025 Grand Rapids Denied Life Insurance Claims
- Grand Rapids Michigan denied life claim $51,000.00
- AD&D claim Grand Rapids Michigan $100,000.00
- SGLI Air Force beneficiary dispute $400,000.00
- Michigan delayed life insurance claim $300,000.00
- Globe life accidental insurance denial $100,000.00
- Bestow policy holder dies intoxication $40,000.00
- Metlife key man provision denied $195,000.00
- Allianz life insurance recipient dispute $50,000.00
- ING person designated to receive proceeds won $30,000.00
- Veterans Life insurance policy denial $409,600.00
- Colonial Penn payout declined by company $23,000.00
- Grand Rapids Michigan denied life insurance claim $33,000.00
- AXA equitable life the ex wife contested $56,000.00
- AIG beneficiary dispute $500,000.00
- Mutual of Omaha interpleader $1,000,000.00
- USAA sickness exclusion denial $30,000.00
Questions About Life Insurance Claims in Grand Rapids, Michigan
Can an ex-spouse still receive life insurance in Grand Rapids if listed on an old policy?
Usually not. Michigan law automatically revokes a former spouse’s beneficiary rights after divorce unless they were reaffirmed. In Grand Rapids, this issue often arises with decades-old policies that were never updated.
Can a Grand Rapids life insurance claim be denied due to an omitted medical condition?
Yes — but only if the omission was material and the death occurred within the contestability window. If the condition was unrelated to the death, we often succeed in overturning the denial.
What happens if the insured died during a recreational boating accident in Grand Rapids?
AD&D policies may exclude high-risk activities like boating, but only if specifically listed. If boating isn’t clearly excluded, Grand Rapids beneficiaries can often still recover the benefit.
Can a group life policy at Spectrum Health be denied if enrollment paperwork was incomplete?
Yes, but these denials are often reversible. If the insured relied on employer promises of coverage, Grand Rapids families may win under theories like misrepresentation or detrimental reliance.
What if the Grand Rapids insured missed a premium payment but never got a lapse notice?
Michigan law requires proper lapse notices and grace periods. If a notice was never sent, the policy may still be enforceable, even if a payment was missed.
Can a life insurance claim be denied if the insured had a minor criminal record?
Not typically. Only deaths occurring during the commission of a felony might trigger denial. In Grand Rapids, a criminal history alone doesn’t impact life insurance benefits.
Can a Grand Rapids beneficiary be disqualified if accused of causing the insured’s death?
Only with proof. Under Michigan’s slayer statute, mere accusations aren’t enough — clear evidence or a conviction is required to disqualify a Grand Rapids beneficiary.
What happens if the Grand Rapids insured died while traveling abroad?
Insurers may delay claims citing missing foreign documents. We assist Grand Rapids families in obtaining embassy reports, foreign death certificates, and translated records to finalize claims.
Can a claim be denied for death following alternative medical treatment in Grand Rapids?
Only if the policy clearly excludes experimental or alternative therapies. If the treatment was doctor-recommended, Grand Rapids families often have grounds to challenge the denial.
Can handwritten or informal beneficiary forms hold up in Grand Rapids courts?
Yes. If the form is signed, dated, and shows clear intent, Kent County courts — including Grand Rapids — may enforce handwritten or informal designations.
What if the insurer claims the Grand Rapids policy was void from the beginning due to fraud?
The insurer must prove intentional deception. Innocent errors aren’t enough. We frequently defend Grand Rapids families and overturn fraudulent rescission attempts.
Can suicide result in denied life insurance claims in Grand Rapids?
Only within the two-year suicide exclusion period. After that, suicide is covered under Michigan law, and wrongful denials based on suicide are often successfully challenged.
Can death during a criminal act result in denial of a Grand Rapids life insurance claim?
Yes — but only if the crime directly caused the death. We closely examine these denials because insurers sometimes overreach beyond what the policy allows.
How do Grand Rapids courts interpret vague life insurance policy language?
Michigan law requires ambiguities to be interpreted in favor of coverage. In Grand Rapids, courts tend to side with beneficiaries when policy language is unclear.
Can a Grand Rapids insurer deny a claim because the insured’s job changed after buying the policy?
Only if the new job materially increased risk and the policy required disclosure. Many job changes within healthcare, education, or manufacturing do not affect coverage.
What if the insured thought they had union-based life insurance in Grand Rapids but wasn’t enrolled?
If the insured relied on assurances of coverage, even without formal paperwork, Grand Rapids families often recover benefits through equitable claims like promissory estoppel.
Can life insurance claims in Grand Rapids be delayed due to missing documents?
Yes — but missing paperwork should not result in outright denial. We help Grand Rapids families gather necessary records like death certificates and hospital reports to push claims forward.
What if the Grand Rapids policyholder was using unlisted prescription medication?
Unless the medication directly contributed to the death or impacted underwriting materially, it usually doesn’t justify denial. We fight these types of denials aggressively for Grand Rapids families.
Can multiple people claim the same life insurance benefit in Grand Rapids?
Yes. In contested cases, insurers may file an interpleader in Kent County Circuit Court. We represent Grand Rapids claimants to prove rightful entitlement to the life insurance proceeds.
What legal action can Grand Rapids families take if a life insurance claim is denied unfairly?
Families can file suit for breach of contract. Michigan law also allows recovery of bad faith damages, including attorney fees, interest, and additional penalties when insurers act unfairly.
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).