Life Insurance Lawyer Biloxi MS
"Life Insurance Lawyers for Biloxi, MS – The Lassen Law Firm" In Biloxi, a picturesque coastal city known for its stunning Gulf beaches, historic charm, and vibrant casino scene, navigating life insurance claims can still be a challenging 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 Biloxi secure the financial protection they deserve. Whether you’re near the bustling Beach Boulevard, the serene Biloxi Lighthouse, or anywhere across Harrison County, we provide trusted legal expertise and personalized care every step of the way. Our experienced and trusted Mississippi 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 representation, relentless advocacy, and trusted results for Biloxi residents seeking justice in insurance disputes.
2025 Biloxi Mississippi Denied Life Insurance Claims
- SGLI girlfriend changed beneficiary $400,000.00
- Ethos sickness exclusion resolved $119,000.00
- Biloxi Mississippi denied death benefit $39,000.00
- AFBA denial of coronavirus death claim $55,000.00
- VGLI claim that we won $400,000.00
- Biloxi Mississippi life insurance claim $70,000.00
- Foresters Financial beneficiary dispute $600,000.00
- SBLI coverage denial resolved quickly $33,000.00
- Lincoln Heritage interpleader $450,000.00
- Advanatage Capital Partners lapse $50,000.00
Questions About Life Insurance Claims in Biloxi
Can a divorced ex-spouse in Biloxi collect life insurance benefits if still listed on the policy?
Not unless the insured reaffirmed the designation after the divorce. Under Mississippi law, divorce automatically revokes an ex-spouse’s beneficiary status. For instance, if a Biloxi policyholder never updated their paperwork after divorce, the ex-spouse typically cannot collect.
Can a claim be denied if the Biloxi policyholder died while evacuating during a hurricane?
Insurers may attempt to deny under vague “act of God” or AD&D exclusions, but we often successfully argue that evacuation deaths are accidental and covered. For example, a Biloxi resident who died during evacuation traffic should still have a valid claim.
What if a Biloxi casino worker thought they had employer life insurance but HR failed to process it?
If the employee received onboarding paperwork or verbal confirmation of coverage, we can often force the employer or insurer to honor the policy. This is a frequent issue among Biloxi’s hospitality and casino workers.
Can suicide result in a denied life insurance claim in Biloxi?
Only if it happened within the suicide exclusion period, usually the first two years after policy issuance. After that, suicide is covered by Mississippi law. We also investigate cases where the death might have been misclassified.
Can a Biloxi claim be denied due to missing or late-submitted documents?
No. Claims can be delayed but not lawfully denied simply because of missing paperwork. We help Biloxi families gather hospital records, death certificates, and forms to push claims through.
Can a life insurance policy lapse in Biloxi if the insured missed one premium payment?
Only if the insurer followed Mississippi’s notice requirements and provided a grace period. If no proper warning was sent, we’ve successfully reinstated coverage for Biloxi families even after a payment was missed.
Can AD&D coverage be denied in Biloxi if the death was ruled a heart attack but occurred during a physical accident?
Yes — but we frequently challenge these denials. For example, if a Biloxi resident fell from a ladder and suffered a heart attack during the trauma, we argue the accident—not illness—caused the death.
What if a Biloxi resident died abroad and the insurer won’t accept the foreign death certificate?
We help families obtain embassy-certified death records, translations, and affidavits. If a Biloxi retiree passed away overseas, lack of immediate U.S. documentation shouldn’t defeat a rightful claim.
Can a Biloxi life insurance claim be denied for not disclosing smoking or alcohol use?
Only within the two-year contestability period, and only if the omission was material to the death. We’ve overturned denials where insurers tried to void policies for irrelevant or historical disclosures.
Can a claim be denied in Biloxi if the insured died during a boating accident?
Insurers may argue boating is a hazardous activity excluded under some AD&D policies, but unless clearly stated, this defense often fails. For example, recreational boating deaths near Biloxi are often covered.
What happens if two family members claim the same life insurance policy in Biloxi?
The insurer may file an interpleader in Harrison County court. We represent Biloxi families—such as second spouses versus adult children—who are competing for the same benefits.
Can a handwritten change to the beneficiary designation override a typed version in Biloxi?
Yes, if it’s properly dated, signed, and clearly shows intent. Mississippi courts, including those in Biloxi, will often honor handwritten updates if they reflect the insured’s wishes.
Can the beneficiary be disqualified in Biloxi if suspected of contributing to the death?
Only if there is clear proof under Mississippi’s slayer statute. For example, without a criminal conviction or overwhelming evidence, a Biloxi beneficiary cannot lose their rights based on suspicion alone.
What if a Biloxi policyholder changed jobs but didn’t update the insurer?
Unless the job change significantly increased risk and policy terms required disclosure, coverage should still apply. We've defended many Biloxi workers who transitioned between casino, retail, or construction jobs without updating forms.
Can a policy be denied in Biloxi for fraud if the insured forgot to list a prior hospitalization?
Only if the omission was intentional and material to risk assessment. Innocent mistakes in medical history, like forgetting a minor hospital visit, usually aren’t enough to void a Biloxi life insurance policy.
Can a life insurance claim be denied in Biloxi because the insured left out prescription medications?
Only if the omitted medication was critical to underwriting and related to the death. For instance, if a Biloxi policyholder failed to list cholesterol medication but died in a car accident, the omission should not matter.
Can vague policy exclusions be used to deny life insurance claims in Biloxi?
Insurers often try this, but Mississippi law requires vague terms to be interpreted against the insurer. We routinely overturn denials involving unclear terms like “illegal acts” or “hazardous activities.”
Can a group life policy for a military spouse in Biloxi be denied after the insured left active service?
Not if proper notice about conversion rights was not given. We handle many claims involving military families stationed at Keesler AFB where insurers tried to deny benefits unfairly.
What if the insurer says the Biloxi policy was never finalized because of a missing signature or late payment?
If premiums were accepted or coverage was promised in writing, we argue the policy was valid. We've forced Biloxi insurers to pay even when technical errors occurred during policy setup.
What legal options do Biloxi families have if a life insurance claim is denied unfairly?
Families can sue for breach of contract, and in cases of bad faith, they may recover punitive damages, attorney’s fees, and interest. We aggressively pursue justice for Biloxi clients facing wrongful denials.
For more information on insurance regulations and consumer protections in Mississippi, you can visit the Mississippi Insurance Department. Additionally, the National Association of Insurance Commissioners (NAIC) offers nationwide insurance resources.