Life Insurance Lawyer Springfield MO
"Life Insurance Lawyers for Springfield, MO – The Lassen Law Firm" In Springfield, the "Queen City of the Ozarks," celebrated for its natural beauty and strong sense of community, navigating life insurance claims can still be a challenging and overwhelming process—especially when benefits are unfairly delayed or denied. At The Lassen Law Firm, we are committed to helping families and individuals in Springfield secure the financial peace of mind they deserve. Whether you’re near the bustling downtown area, the serene Nathanael Greene/Close Memorial Park, or anywhere across Greene County, 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 Springfield residents seeking justice in insurance disputes.
2025 Springfield MO Denied Life Insurance Claims
- Boston Mutual denial resolved $271,000.00
- VGLI family change beneficiary $400,000.00
- American Memorial COVID 19 death $31,000.00
- Springfield Missouri denied AD&D $102,000.00
- HSBC drug exclusion resolution $196,000.00
- FG Life coronavirus death case won $39,000.00
- Aviva beneficiary dispute $202,000.00
- Springfield Missouri life insurance claim $70,000.00
- Zander Life beneficiary dispute $220,000.00
- GPM Life lapsed policy nonpayment $25,000.00
- Reliance Standard interpleader $360,000.00
Questions About Life Insurance Claims in Springfield, Missouri
Can an ex-spouse in Springfield still collect life insurance benefits if named on the policy?
Not typically. Missouri law revokes a former spouse’s beneficiary status after divorce unless the designation was reaffirmed. For instance, if a Springfield resident divorced but forgot to update the policy, the ex-spouse would likely be disqualified unless explicitly reconfirmed.
Can a Springfield claim be denied if the insured didn’t disclose prior medical conditions like high cholesterol?
Only during the two-year contestability period — and only if the omission was intentional and material. We’ve overturned denials in Springfield where the condition had no relation to the insured’s cause of death.
What if the insured died in a tractor accident on a rural property near Springfield — can the AD&D policy still pay out?
Yes, unless the policy specifically excludes farm equipment accidents. We've challenged AD&D denials successfully where insurers failed to clearly define “hazardous activities.”
Can a life insurance policy lapse in Springfield without proper notice?
No. Missouri law mandates written notice and a grace period. We’ve reinstated policies in Springfield where families proved that no lapse warning was ever sent before the insured’s death.
Can a suicide in Springfield result in a denied claim?
Only during the suicide exclusion window, typically within the first two years of the policy. After that, suicide is generally covered. We've also reversed denials where the cause of death was wrongly classified as suicide.
Can a life insurance claim be denied if the insured died during a felony in Springfield?
Yes — but only if the felony directly caused the death. We’ve challenged denials in cases where minor criminal conduct had no real connection to the fatal event.
What if a CoxHealth or Mercy employee in Springfield was told they had life insurance but no policy was issued?
If they relied on HR communication, benefits guides, or payroll deductions, we may hold the employer or insurer liable. We've handled several Springfield cases where hospital employees were misled about coverage.
Can a handwritten beneficiary change be honored in Springfield if it wasn’t formally filed with the insurer?
Yes — if it reflects clear intent and isn’t contradicted. Missouri courts often validate last-minute handwritten updates made during hospitalization or hospice stays.
Can a Springfield life insurance claim be delayed due to missing medical records or incomplete documents?
Yes, but delay is not denial. We help families collect death certificates, hospital reports, and affidavits to overcome common documentation stalls in Springfield.
What happens if two people claim the same life insurance benefit in Springfield?
The insurer may file an interpleader lawsuit in Greene County court. We often represent clients in these cases where competing claims arise between surviving spouses and children from earlier marriages.
Can foreign death complicate a Springfield claim if the insured died while traveling abroad?
It may cause a delay, but not a rightful denial. We assist Springfield families in gathering consular reports, translated death certificates, and embassy documentation for international deaths.
Can a policy be rescinded in Springfield due to a mistake on the application, like incorrect weight or last doctor visit?
Only if the mistake was material and discovered within the contestability window. We've beaten rescission attempts where errors were minor or irrelevant to the cause of death.
Can vague exclusions in a Springfield life insurance policy — like “dangerous behavior” — be used to deny payment?
Not if the language is ambiguous. Missouri law requires unclear terms to be interpreted for the policyholder’s benefit. We've successfully challenged denials based on undefined “hazardous activity” clauses.
Can late submission of claim paperwork void a Springfield life insurance claim?
No. Insurers may delay claims until paperwork is complete, but late forms do not cancel coverage. We assist Springfield families in resolving missing document issues to move claims forward.
Can life insurance be denied in Springfield for undisclosed prescription drug use?
Only if the medication was linked to the cause of death and intentionally concealed. We’ve overturned Springfield denials when prescriptions had no underwriting relevance.
What happens if a Springfield public employee wasn’t notified about converting their life insurance upon retirement?
If the employer failed to inform them, we argue the deadline should not bar recovery. We’ve won back life insurance benefits for retired teachers, firefighters, and county employees in Springfield.
Can a beneficiary be disqualified in Springfield under Missouri’s slayer statute?
Yes — but only if a conviction or civil judgment proves the beneficiary intentionally caused the death. We've defended Springfield clients falsely accused of wrongdoing who retained their right to benefits.
Can insurers in Springfield deny claims based on vague “preexisting condition” exclusions?
Only if the exclusion is specific and directly related to the death. We fight denials where insurers use broad or unclear “prior illness” language against grieving families.
Can a policy be denied in Springfield because the insurer claims the first payment was returned?
Only if proper notice was given and no subsequent payment was accepted. We've enforced policies where Springfield residents made partial payments or insurers cashed checks before claiming non-issuance.
What legal action can Springfield families take if a life insurance claim is denied?
They can sue for breach of contract. Missouri law also allows recovery of attorney’s fees, interest, and punitive damages if the denial was made in bad faith, such as ignoring evidence or using fabricated reasons.
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.