Life Insurance Lawyer Warren Mi
"Life Insurance Lawyers for Warren, MI – The Lassen Law Firm" In Warren, Michigan’s largest city in Macomb County and a hub of industry and innovation, navigating life insurance claims can still be a frustrating 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 Warren secure the financial protection they deserve. Whether you’re near the bustling General Motors Technical Center, the serene Warren Community Center, or anywhere across Macomb 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 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 Warren residents seeking justice in insurance disputes.
2025 Warren Michigan Denied Life Insurance Claims
- Michigan Life denial of benefits $71,000.00
- Warren Michigan denied life insurance claim $14,000.00
- COVID 19 death Warren Michigan $65,000.00
- Unum delay of death benefit $200,000.00
- SGLI change of beneficiary $400,000.00
- AD&D claim Warren Michigan $100,00.00
- Warren Michigan denied life insurance claim $100,000.00
- American General life insurance change of beneficiary $230,000.00
- QDRO ricipient dies resolved by us $35,000.00
- Ex-husband violates divorce decree case $57,000.00
- American Fidelity won't pay out if smokes case $30,000.00
- Bankers Life beneficiary dispute $500,000.00
- Nationwide interpleader lawsuit $250,000.00
- AIG prescription drug denial $440,000.00
Questions About Life Insurance Claims in Warren, Michigan
Can an ex-spouse in Warren collect life insurance if they were never removed after a divorce?
Not unless the policyholder reaffirmed them post-divorce. Michigan law automatically revokes an ex-spouse’s rights unless explicitly reinstated. In Warren, ex-spouse disputes are common with older, uncorrected beneficiary forms.
Can a Warren life insurance claim be denied for failing to disclose treatment for high blood pressure?
Yes — but only if the omission was material and the death occurred within the contestability period. If the death was unrelated, such as from an accident, Michigan courts may favor the beneficiary.
Can death during recreational snowmobiling or ATV use in Warren trigger an exclusion?
Possibly. Some AD&D policies exclude hazardous activities, but unless snowmobiling is clearly listed, Warren beneficiaries can often challenge the denial successfully.
What if a Warren resident died abroad and the insurance company questions the death certificate?
Insurers sometimes delay claims when foreign documents are incomplete. We help Warren families gather embassy records, certified translations, and consular proof to validate the death.
Can a group life insurance policy through a Warren automotive plant be denied if HR missed enrollment?
Yes — but if the employee relied on HR’s assurances, recovery may still be possible. We often recover benefits for UAW members and automotive workers in Warren facing enrollment errors.
Can a Warren beneficiary be blocked from collecting if they’re accused of causing the insured’s death?
Only with clear proof. Under Michigan’s slayer statute, suspicion alone isn’t enough. A conviction or strong evidence is required to disqualify a Warren beneficiary.
What happens if a Warren life insurance policy lapses and the insured dies shortly after?
If the insurer failed to provide proper lapse notice or if the insured died during the grace period, Michigan law may still require payment. We frequently overturn premature lapse denials in Warren.
Can a claim be denied in Warren due to alleged fraud on the application?
Only if the insurer proves intentional and material misrepresentation. We often beat these denials when insurers rely on vague questions or ignored warning signs before issuing the policy.
Can suicide result in denied life insurance claims in Warren?
Only during the policy’s two-year suicide exclusion period. After that, suicide is generally covered. We also challenge wrongful suicide denials when the circumstances are unclear.
What happens if the insured changed jobs in Warren and didn’t update their application?
Unless the job created significantly higher risk and the policy required disclosure, the change usually doesn’t impact coverage. We fight back against unnecessary denials for job changes.
Can two family members claim the same Warren life insurance policy?
Yes — when there are conflicting or outdated beneficiary forms. Insurers often file interpleaders in Macomb County court, where a judge decides based on evidence and documentation.
Can handwritten changes to a beneficiary designation be enforced in Warren?
Yes. If the handwritten change clearly shows intent, is signed, and dated, Michigan courts, including those in Warren, may uphold it even without formal notarization.
Can coverage be denied in Warren if the insured failed to disclose prescription drug use?
Only if the omission was intentional and directly related to the cause of death. We often challenge denials involving prescription medications that had no bearing on the insured’s passing.
Can a life insurance claim be denied for lack of medical records in Warren?
Only temporarily. Insurers must give claimants time to supply missing documents. We help Warren families obtain death certificates, hospital records, and physician statements to complete claims.
What if a Warren resident died during an elective surgery? Can the claim be denied?
It depends. Some policies exclude elective procedures, but if the surgery was medically necessary, we often overturn exclusions with supporting physician testimony.
Can vague language in a life insurance policy be used to deny a Warren claim?
Insurers try it, but Michigan law favors the beneficiary when terms are unclear. We frequently defeat Warren denials based on vague or poorly written policy language.
What if the Warren employer promised life insurance but never deducted premiums?
If the employee reasonably believed they had coverage, we can pursue claims against the employer or insurer for misrepresentation. We've recovered many life insurance benefits this way in Warren.
Can a policy be denied in Warren due to job loss or retirement without conversion notice?
Not automatically. If the employer didn’t notify the insured of conversion rights, we often hold the employer or insurer liable. We see this often with retirees from Warren’s auto plants and city offices.
What happens if the death certificate from a Warren hospital lists “pending” as cause of death?
The insurer may delay payout. We help families gather autopsy reports, toxicology results, and medical examiner findings to resolve claims stuck in “pending cause of death” limbo.
What legal action can Warren families take after a denied life insurance claim?
Families can sue for breach of contract and bad faith. Michigan law allows Warren beneficiaries to recover attorney’s fees, interest, and sometimes punitive damages if the denial was wrongful.
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).