Mississippi Life Insurance Lawyer

Life Insurance Lawyers Serving All 82 Mississippi Counties

Christian Lassen, Esq. | 25 Years Experience | Hundreds of Millions Recovered

If your life insurance claim was denied in Mississippi, you're not alone and you're not without options. We've successfully helped families in cities like Pearl, Clinton, and Greenville recover the benefits they were owed.. At The Lassen Law Firm, we focus exclusively on life insurance litigation and have helped families throughout Mississippi recover millions in wrongfully denied death benefits. Whether your case involves a policy lapse, misrepresentation allegation, or a contested beneficiary change, we have the experience to challenge the denial and pursue the full payout.

Led by nationally recognized life insurance attorney Christian Lassen, quoted by The Wall Street Journal and rated 10.0 by AVVO, our firm serves clients in every region of Mississippi from Oxford and Starkville to Pascagoula. We handle denied life insurance claims in all 82 counties, and we never charge a fee unless we recover for you.

Denied Life Insurance Claim in Mississippi? You’re Not Alone.

When a life insurance claim is denied in Mississippi, it can leave families struggling to cope both emotionally and financially. If you’ve experienced a life insurance payout denial in Mississippi, perhaps in Brandon, Horn Lake, or Natchez, The Lassen Law Firm is ready to stand by your side and fight for the benefits your loved one intended for you.

In Mississippi, life insurance beneficiary disputes often occur when a policyholder makes sudden changes or when there are questions about the legal validity of the named recipient. If you're dealing with a life insurance beneficiary dispute in Mississippi, including cases involving families in Clarksdale, Greenwood, and D’Iberville, The Lassen Law Firm can help protect your claim and pursue the payout you deserve.

Life insurance companies often resolve beneficiary disputes by filing an interpleader action in Mississippi, sometimes in the US District Court for the Northern District of Mississippi and sometimes in the US District Court for the Southern District of Mississippi, allowing the court to determine who is legally entitled to receive the proceeds.

Life insurance claims in Mississippi can be fraught with challenges, from denied benefits to bad faith insurance practices. At The Lassen Law Firm, we are dedicated to helping residents across the Magnolia State from Ocean Springs and Petal to Gautier recover the payouts they deserve. We're here to provide expert legal representation and personalized support.

As nationally recognized life insurance attorneys, we proudly handle cases across all 50 states, with a proven track record of success, hundreds of millions in policies recovered. At The Lassen Law Firm, we bring unwavering dedication, expertise, and results-driven advocacy to every case we take on. Call now for a free consultation to see if we can help you recover your life insurance benefits whether you’re in Hernando, Long Beach, or Moss Point. No obligation.

Unlike other firms, The Lassen Law Firm exclusively handles denied life insurance claims. With 25 years of experience in this niche, we are recognized as top experts in the field. Our lawyers have earned prestigious awards, including membership in the Multi-Million Dollar Advocates Forum and a 10.0 rating on AVVO. No other firm offers the same level of dedication and expertise in denied life insurance cases, something we've proven time and again for clients in Picayune, Brookhaven, and Flowood.

Life Insurance Claim Denied in Mississippi? We’re Ready to Fight for You

Life insurance is supposed to provide financial security for families during some of the most difficult times. Yet in Mississippi, insurance companies often deny or delay valid life insurance claims, leaving families without the support they were promised. If you are facing a denied life insurance claim, you have important legal rights. Our Mississippi life insurance attorneys are ready to challenge the insurer’s decision and demand the benefits you deserve. If your family is dealing with a denied accidental death claim in Mississippi, we can help you take legal steps to fight for the benefits that were promised.

Insurance companies may claim that policy language, minor mistakes, or missed payments justify denial, but under Mississippi law, insurers must act in good faith and comply with strict requirements. When they fail to do so, they can be held accountable. We offer free consultations and only collect fees if we recover benefits for you.

Contestability Period and Life Insurance Claims in Mississippi

Life insurance policies in Mississippi typically contain a two-year contestability period. During this period, insurers are allowed to review claims and attempt to rescind coverage if they uncover material misrepresentations made when the policy was issued. Once two years have passed, insurers can no longer deny claims based on errors in the application unless they can prove fraud.

However, not every mistake gives an insurer the right to deny a claim. Under Mississippi law, only material misstatements, an issue we’ve seen in cities like Indianola, Bay St. Louis, and Grenada, are grounds for rescission. Innocent oversights or unrelated omissions do not justify a denial.

If your claim has been denied based on contestability reasons, it’s important to have an attorney review the situation before giving up your rights.

Common Reasons Life Insurance Claims Are Denied in Mississippi

Insurance companies often rely on a set of familiar strategies when denying claims. In Mississippi, some of the most common reasons include:

Allegations of Application Misrepresentations

Insurers claim the insured failed to disclose medical history, prescription drug use, or lifestyle risks.

Policy Lapse Due to Nonpayment

Life insurers in Mississippi may point to missed payments to deny a claim, but many lapse-related denials result from flawed notice procedures or payment misprocessing.

Exclusions for Certain Causes of Death

Deaths involving suicide (within a stated exclusion period), dangerous hobbies, or illegal acts may trigger denial based on policy wording.

Beneficiary Disputes

Conflicts among surviving family members or disputes about changes to the beneficiary designation can complicate claims.

Employer Mistakes in Group Life Insurance Policies

Errors made during enrollment or recordkeeping can cause wrongful denials.

Delays Linked to Criminal Investigations

If the death is under investigation, insurers may delay payment, but they are still required to act reasonably and in good faith.

Even if the insurance company presents the denial as final, many denials can be successfully challenged through legal action.

What to Do After a Life Insurance Denial in Mississippi

Acting quickly after a denial can make a major difference. You should:

• Obtain and preserve a full copy of the insurance policy, the application, and any amendments.
• Carefully review the denial letter and note the specific reasons the insurer provided.
• Save all correspondence with the insurance company, including emails, letters, and notes from phone conversations.
• Avoid sending additional documents or making statements without legal advice.
• Contact a Mississippi life insurance attorney immediately to discuss your legal options and begin building your case.

Mississippi law provides strong remedies for unreasonable claim delays or wrongful denials, including potential bad faith damages.

How Our Mississippi Life Insurance Attorneys Pursue Denied Claims

Our legal team is dedicated to helping beneficiaries recover life insurance benefits in communities like Richland, Holly Springs, and Amory when insurers refuse to honor valid claims. When you work with us, we will:

• Thoroughly review the policy, application documents, and the insurer’s denial letter.
• Identify legal weaknesses and policy misinterpretations in the insurer’s denial.
• Communicate directly with the insurance company to press for full payment.
• File administrative appeals for group life insurance claims when necessary.
• Initiate lawsuits when insurers refuse to resolve claims fairly.
• Pursue additional damages when bad faith conduct can be proven under Mississippi law.

Our goal is clear: recover the full amount of life insurance benefits you were promised and ensure the insurance company is held accountable for unfair practices.

Federal life insurance policies can be wrongfully denied due to recordkeeping errors, beneficiary confusion, or missed enrollment details. We help Mississippi clients recover benefits from denied FEGLI life insurance claims and advocate for families facing a denied SGLI claim after the loss of a service member.

When life insurance is part of an employment benefits package, ERISA may govern the policy. Our firm assists Mississippi beneficiaries with denied ERISA life insurance claims, helping them navigate the federal appeal system and hold insurers accountable.

Mississippi Denied Life Insurance Claims: Answers to Common Questions

What should I do if my life insurance claim was denied in Mississippi?

You should contact an experienced Mississippi life insurance lawyer immediately. For example, we recently helped a family recover benefits wrongfully denied after a policy lapse was improperly handled.

Does Mississippi law remove an ex-spouse as beneficiary of a life insurance policy after divorce?

Yes. Under Mississippi’s automatic revocation statute (Miss. Code Ann. § 91-29-23), which took effect July 1, 2020, a divorce generally revokes a former spouse’s designation as beneficiary on a life insurance policy. There are exceptions, such as when the divorce decree preserves the designation, the policyholder reaffirms it after divorce, or the ex-spouse is named in trust for a child or dependent. The Lassen Law Firm can help you determine how this law applies to your situation.

How should I handle a life insurance interpleader lawsuit in Mississippi?

Hire legal counsel quickly. In a Gulfport case, we resolved a beneficiary dispute with respect to a  rightful beneficiary after an ex-spouse and a new spouse both claimed the same policy proceeds.

What are my legal options in a Mississippi life insurance beneficiary dispute?

Beneficiary disputes often arise from last-minute changes. We recently resolved a dispute in Tupelo where a beneficiary change days before death was challenged and reversed.

Why do accidental death and dismemberment claims get denied in Mississippi?

Insurers often claim a death was due to illness, not an accident. We secured AD&D benefits by proving the cause of death was truly accidental despite the insurer’s objections.

Can a policy lapse be used as a reason to deny a life insurance claim in Mississippi?

Yes, but only if strict Mississippi notice rules were followed. We reinstated a policy after death where the insurer failed to send proper lapse warnings.

Is misrepresentation on a Mississippi life insurance application a valid reason for denial?

Only if the misstatement was material. In Oxford, we proved that an honest mistake about prior medications didn’t justify the denial.

Can an alcohol exclusion clause lead to a life insurance claim denial in Mississippi?

Yes, but these exclusions are often misapplied. We defeated a denial in which alcohol was not proven to be the cause of death.

What can I do if my Mississippi ERISA life insurance claim was denied?

You must file a strong appeal immediately. We successfully resolved an ERISA denial in Vicksburg involving a group life policy where critical evidence had been ignored.

What is the contestability period for life insurance policies in Mississippi?

It’s typically two years. We helped a family fight a denial where the alleged misrepresentation had no impact on underwriting.

What should I do if I get a life insurance denial citing Mississippi law?

Mississippi insurance laws are often misapplied. In Olive Branch, we overturned a denial after showing the insurer misquoted the applicable statute.

Which life insurance companies in Mississippi are known for claim denials?

New York Life in Ridgeland, Palmer Insurance in Mendenhall, and Kilpatrick Life are often cited. We handle claims against all major insurers statewide.

How much does a Mississippi life insurance attorney charge?

We work on a contingency fee basis meaning you pay nothing unless you win.

Can a Mississippi life insurance claim be denied for a death outside the U.S.?

It can, but exclusions must be explicit. We reversed a denial in Pascagoula involving a death while traveling in the Caribbean.

What if the beneficiary was changed shortly before the insured’s death in Mississippi?

Late changes often trigger legal challenges. In Madison, we successfully argued a last-minute change was invalid due to lack of mental capacity.

Can a Mississippi insurer deny an AD&D claim by calling the death natural?

Yes, but we fight back. In Laurel, we used forensic reports to prove the insured’s death was purely accidental.

What happens if a Mississippi life insurance agent made a mistake on the application?

The insurer may still be liable. We recovered full benefits in a Natchez case where an agent had entered wrong information without the insured's knowledge.

Can I challenge a denial during the contestability period in Mississippi?

Yes. Many denials are overturned by proving the alleged misrepresentation was immaterial or unrelated to the insured’s death.

Are ERISA appeals for life insurance claims more difficult in Mississippi?

They are complex, but we have extensive experience in handling ERISA appeals and lawsuits.

What happens if a Mississippi life insurance policy has no named beneficiary?

Proceeds usually go to the estate. 

Can I dispute a suspicious life insurance beneficiary change in Mississippi?

Yes. We challenged and overturned a suspicious beneficiary change in Greenville involving allegations of coercion.

Does Mississippi law require insurers to send notice before canceling a policy?

Yes. If they fail to give proper lapse notices, we argue the policy remains valid.

What if the life insurance came through a Mississippi employer?

Employer-provided life insurance often falls under ERISA. We handle claims involving improper enrollments, wrongful denials, and missed coverage.

What happens when multiple people claim a Mississippi life insurance policy?

Insurers file interpleaders. In Tupelo, we resolved a claim of a daughter against a claim from an estranged spouse.

What deadlines apply for appealing a denied life insurance claim in Mississippi?

ERISA deadlines are usually 180 days. Private policy deadlines vary, but we ensure compliance for every case.

Do verbal promises override written life insurance policies in Mississippi?

No. Written beneficiary designations control, unless there's fraud or undue influence proven in court.

Can vague or confusing policy terms be used to deny a claim in Mississippi?

No. Mississippi courts interpret unclear language in favor of the policyholder or beneficiary.

Can a canceled Mississippi life insurance policy still pay out?

Yes, especially if cancellation was improper. We reopened a wrongfully canceled policy in Yazoo City and recovered the full benefit.

What if the Mississippi policy lapsed due to non-payment?

We check whether lapse notices were properly given and whether payment options were available, such as automatic premium loans.

Can a Mississippi life insurance claim be denied for suspected fraud?

Only if fraud is proven with solid evidence. We’ve reversed denials based on weak or speculative fraud accusations.

Can Mississippi life insurance disputes be settled without going to court?

Yes. Most cases we handled get resolves through without going to court.

What if a beneficiary change form wasn’t processed correctly in Mississippi?

In some cases, the original beneficiary designation still governs. We help clarify rightful claims when processing errors occur.

Are old life insurance policies still valid in Mississippi?

Yes. If the policy was active when the insured passed away, the age of the policy doesn’t affect the beneficiary’s rights.

Contact us for a free consultation.

Written & Reviewed by Christian Lassen, Esq., Nationally recognized life insurance lawyer: 25 years experience, hundreds of millions recovered.  Quoted in The Wall Street Journal ( May 17, 2025).

Last reviewed: June 27, 2025 | Contact 800-330-2274

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