Life Insurance Lawyer Kansas City MO

"Life Insurance Lawyers for Kansas City, MO – The Lassen Law Firm" In Kansas City, a vibrant metropolis known for its rich jazz heritage, world-class barbecue, and dynamic cultural scene, navigating life insurance claims can still be a stressful and overwhelming process—particularly when benefits are unfairly delayed or denied. At The Lassen Law Firm, we are committed to helping families and individuals in Kansas City secure the financial protection they deserve. Whether you’re near the bustling Power & Light District, the scenic Country Club Plaza, or anywhere across Jackson, Clay, or Platte Counties, we provide trusted legal expertise and personalized care every step of the way. Our experienced and trusted Missouri 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 advocacy, relentless representation, and trusted results for Kansas City residents seeking justice in insurance disputes.

2025 Kansas City MO Denied Life Insurance Claims

Globe heat attack denial resolved $101,000.00
SGLI family member changed beneficiary $400,000.00
Hartford Life denial of COVID 19 claim $33,000.00
AD&D claim in Kansas City Missouri $50,000.00
USAA alcohol exclusion resolved $119,000.00
American Income Life delay $300,000.00
Kansas City Missouri life insurance claim $30,000.00
Iowa Farm denied coronavirus death $69,000.00
Jackson National beneficiary dispute $500,000.00
Symetra interpleader lawsuit $360,000.00
ALCPA primary beneficiary vs secondary $51,000.00

Questions about life insurance claims in Kansas City MO

Q1: Can an ex-spouse still collect life insurance benefits in Kansas City if they were never removed as a beneficiary?
No, not usually. Under Missouri law, a divorce revokes an ex-spouse’s beneficiary status unless the policyholder reaffirmed the designation afterward. This is a common issue in Kansas City when policies are outdated or never updated after divorce.

Q2: Can a Kansas City life insurance claim be denied for failing to disclose a past illness like COPD or diabetes?
Yes — but only during the two-year contestability period and only if the omission was material to the underwriting process and related to the cause of death. Many of these denials can be reversed with proper documentation.

Q3: What if the insured died while working construction in Kansas City and the insurer claims they didn’t disclose a “high-risk occupation”?
Unless the application required disclosure of occupation and the omission materially increased the risk, this is not grounds for denial. We’ve overturned similar denials for Kansas City laborers and tradespeople.

Q4: Can a life insurance policy lapse in Kansas City without proper notification?
No. Missouri law requires life insurers to provide written notice and a grace period before terminating coverage. If the insurer failed to follow this procedure, the policy may still be enforceable.

Q5: Can suicide void a life insurance policy in Kansas City?
Only if it occurred within the policy’s suicide exclusion window — typically the first two years. After that, suicide is generally covered under Missouri law. We also challenge wrongful suicide classifications when the cause of death is disputed.

Q6: What if the insured died while traveling overseas and the insurer says there's not enough proof of death?
We help Kansas City families gather foreign death certificates, consular reports, and translated documents. A foreign death may delay a claim, but it shouldn’t prevent payment if documentation is sufficient.

Q7: Can a claim be denied in Kansas City because the beneficiary is suspected of foul play?
Only under Missouri’s slayer statute, which prevents recovery by anyone who “feloniously and intentionally” caused the insured’s death. Suspicion alone is not enough — there must be a conviction or clear legal finding.

Q8: Can a policy be denied if the insured died during a crime in Kansas City, like fleeing police or committing burglary?
Most policies exclude deaths resulting from felonies. But we challenge these denials when the alleged crime is minor, the link to death is unclear, or the exclusion is ambiguously worded.

Q9: Can a handwritten beneficiary change be valid in Kansas City?
Yes — Missouri courts can honor handwritten or informal designations if they clearly reflect the insured’s intent and are properly dated and signed. This often comes up in family-based disputes or last-minute changes.

Q10: What happens if two people claim the same life insurance benefit in Kansas City?
The insurer may file an interpleader in Jackson County, and the court will determine the rightful beneficiary. These cases are common when policies conflict with wills, trusts, or later beneficiary updates.

Q11: Can a claim be denied due to a missing signature on the application?
Insurers may attempt this, but if they accepted premiums or issued a policy anyway, Missouri courts often treat the policy as valid. We’ve forced payment in many Kansas City cases where application irregularities were minor.

Q12: Can a hospital employee in Kansas City lose life insurance if their employer failed to submit paperwork?
This happens often with large institutions. If the employee believed they were enrolled through St. Luke’s, Research, or KU affiliates, we may argue the employer or insurer is still liable for benefits.

Q13: Can an AD&D claim be denied in Kansas City if the insurer blames the death on “natural causes” instead of an accident?
Yes — but we regularly dispute this. Insurers often misclassify traumatic deaths to avoid paying AD&D. We use ER reports, accident scene details, and medical examiner findings to prove the death was accidental.

Q14: Can a life insurance claim be denied if the policyholder changed jobs or retired without converting coverage?
Yes, but we challenge these denials if the insurer or employer failed to notify the policyholder of their right to convert group life to an individual policy. This is common with public workers and retirees in Kansas City.

Q15: Can a claim be delayed in Kansas City due to incomplete forms or missing documents?
Yes, but delays don’t justify denial. We help families submit the required documents — including medical records, death certificates, and ID — to ensure the insurer can’t use paperwork as an excuse to withhold payment.

Q16: What if the Kansas City policyholder omitted prescription medications on the application?
Only intentional and material omissions during the contestability period can lead to rescission. We’ve overturned denials where insurers relied on vague questions or unrelated medications to claim fraud.

Q17: Can vague exclusions in a Kansas City policy — like “illegal activity” or “unauthorized treatment” — be challenged?
Absolutely. Missouri law requires ambiguous language to be interpreted in favor of the policyholder. We often force insurers to pay when exclusions are undefined or overly broad.

Q18: What if a policyholder paid premiums for years but the insurer claims the policy was never in force?
We’ve handled cases like this in Kansas City where administrative errors or billing issues led to invalid denial. If payments were made and accepted, coverage likely existed and must be honored.

Q19: Can military families in Kansas City face denial if the insured switched between SGLI and private coverage?
Yes — claim confusion is common in military transitions. We investigate whether the military or private insurer properly informed the insured of deadlines and options, especially during separation or retirement.

Q20: What legal options do Kansas City families have after a life insurance denial?
They can sue for breach of contract, and if the insurer acted in bad faith — such as ignoring evidence or using false grounds — Missouri law allows additional recovery, including interest, attorney’s fees, and punitive damages.

For more information on insurance regulations and consumer protections in Missouri, you can visit the Missouri Department of Insurance. Additionally, the National Association of Insurance Commissioners (NAIC) offers nationwide insurance resources.