Life Insurance Lawyer Nebraska

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


Families in Nebraska may be caught off guard when a life insurance company refuses to pay, especially after years of faithfully maintaining a policy. If you're dealing with a denied life insurance claim in Nebraska, The Lassen Law Firm can help you push back against the insurer and seek the payout you deserve.

Life insurance beneficiary disputes in Nebraska often involve allegations of forgery, lack of capacity, or outdated policy designations. If you're facing a life insurance beneficiary dispute in Nebraska, The Lassen Law Firm can help you challenge the denial and work to secure the benefits intended for you.

When life insurance proceeds are contested in Nebraska, insurers frequently file an interpleader lawsuit in Nebraska, placing the decision in the hands of the court to avoid making the wrong payout.

Trusted Life Insurance Lawyers Nebraska: The Lassen Law Firm

Life insurance claims in Nebraska can be overwhelming, particularly when dealing with denied payouts or bad faith insurance practices. At The Lassen Law Firm, we are dedicated to assisting individuals and families across the Cornhusker State recover the benefits they rightfully deserve. Whether you’re in Omaha, Lincoln, Bellevue, Grand Island, or any other community in Nebraska, we provide trusted legal expertise and personalized support tailored to your needs.

As nationally recognized life insurance attorneys, we’ve handled cases across all 50 states, with a proven track record of success—hundreds of millions in policies recovered. At The Lassen Law Firm, we combine legal experience, relentless advocacy, and compassionate care to deliver justice for every client. Call now for a free consultation to see if we can help you recover your life insurance benefits. No obligation.

Unlike other firms, The Lassen Law Firm exclusively handles denied life insurance claims. With 24 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.

Denied a Life Insurance Claim in Nebraska? We’re Here to Help You Recover What’s Yours

Life insurance is supposed to offer peace of mind, ensuring that families have financial support after the loss of a loved one. Unfortunately, many people in Nebraska face denied or delayed life insurance claims just when they need the proceeds most. If your life insurance claim has been denied, our Nebraska life insurance attorneys are ready to step in, challenge the insurer’s decision, and fight for the benefits you are owed.

Insurance companies often look for ways to deny claims by pointing to application mistakes, alleging lapses, or invoking policy exclusions. However, Nebraska law imposes clear obligations on insurers to act in good faith and handle claims fairly. We offer free consultations, and you pay no fees unless we win your case.

Contestability Periods and Life Insurance Claims in Nebraska

Most Nebraska life insurance policies include a two-year contestability period. During this time, insurers can review claims closely and attempt to rescind coverage if they uncover material misrepresentations on the original application. After two years, the insurer’s ability to deny coverage based on application errors becomes extremely limited unless they can prove fraud.

Crucially, not every mistake justifies a denial. Under Nebraska law, only material misrepresentations — those that would have influenced the insurer’s decision to issue or price the policy — allow them to rescind coverage. Innocent mistakes or omissions that had no real effect should not lead to denial.

If your claim has been denied based on contestability arguments, a detailed legal review is essential to determine whether the insurer’s actions were lawful.

Common Reasons Life Insurance Claims Are Denied in Nebraska

Insurance companies tend to rely on a familiar set of reasons when denying claims. In Nebraska, some of the most common issues include:

  • Application Misstatements: Insurers argue that the insured failed to disclose important health conditions, smoking history, or risky hobbies.

  • Lapse Due to Nonpayment: Missed premiums may be cited, but Nebraska law requires insurers to provide proper notice before terminating coverage.

  • Policy Exclusions: Deaths resulting from suicide (within the exclusion period), dangerous activities, or illegal acts may be denied depending on policy language.

  • Beneficiary Disputes: Conflicts between current spouses, ex-spouses, or family members often lead to delayed payments.

  • Employer Errors with Group Life Insurance Policies: Mistakes made during enrollment or policy maintenance can wrongly strip families of coverage.

  • Delays Based on Death Investigations: Insurers sometimes delay paying benefits while waiting for the results of a criminal or suspicious death investigation, but unreasonable delays are prohibited under Nebraska law.

No matter the stated reason, many life insurance denials can be successfully challenged with the right legal strategy.

What to Do After a Life Insurance Claim Denial in Nebraska

If you receive a life insurance claim denial, it’s important to act quickly and carefully. Steps you should take include:

  • Request a full copy of the insurance policy, the original application, and all amendments.

  • Read and document the insurer’s stated reasons for denial.

  • Save all communications with the insurer, including letters, emails, and call notes.

  • Avoid providing any new statements or documents without consulting an attorney.

  • Contact a Nebraska life insurance lawyer promptly to evaluate your case and start protecting your rights.

Nebraska law also provides remedies for beneficiaries when insurers engage in unfair claims practices, including potential penalties for bad faith conduct.

How Our Nebraska Life Insurance Attorneys Handle Wrongful Denials

When you work with our firm, you gain experienced advocates who focus solely on helping beneficiaries recover life insurance benefits. We will:

  • Review your full policy, application materials, and the insurer’s denial rationale.

  • Challenge improper rescissions, lapse defenses, and policy exclusions.

  • Manage all negotiations and communications with the insurer.

  • File appeals when necessary, especially for employer-provided group life insurance governed by ERISA.

  • Litigate wrongful denials aggressively in Nebraska courts when insurers refuse to pay.

  • Pursue additional damages under Nebraska law when the insurer’s actions amount to bad faith.

Our mission is to recover the full life insurance proceeds owed to you and to hold insurance companies accountable when they violate the law.

Nebraska Denied Life Insurance Claims: Answers to Common Questions

What should I do if my life insurance claim has been denied in Nebraska?

You should immediately contact an experienced Nebraska life insurance lawyer. For example, we recently overturned a denial in Lincoln where the insurer misapplied an exclusion clause.

How should I handle a Nebraska life insurance interpleader lawsuit?

You must act quickly. In a recent Omaha case, we helped a rightful beneficiary secure the payout after the insurer filed an interpleader action to avoid liability.

What can I do about a life insurance beneficiary dispute in Nebraska?

Beneficiary disputes are common across Nebraska. We recently resolved a heated dispute in Grand Island involving a last-minute beneficiary change that favored a distant relative.

Why do insurers in Nebraska deny accidental death and dismemberment (AD&D) claims?

Insurers often argue the death resulted from illness or intoxication rather than an accident. In Bellevue, we fought and won a case proving the insured’s death was fully accidental.

Can a policy lapse result in a denied life insurance claim in Nebraska?

Yes, but only if the insurer complied with Nebraska’s lapse notice requirements. We helped a Kearney family reinstate a policy where proper notice was never sent.

Is misrepresentation on an application grounds to deny a Nebraska life insurance claim?

Only if the misrepresentation was material and intentional. We frequently contest denials where alleged misstatements had no impact on the policy’s risk.

Can a Nebraska life insurance claim be denied based on alcohol use?

Yes, but vague alcohol exclusions are challengeable. We successfully overturned a Lincoln denial where alcohol was incorrectly blamed as the cause of death.

What should I do about a bad faith ERISA life insurance denial in Nebraska?

You must act fast and submit a strong administrative appeal. Our Nebraska ERISA attorneys specialize in reversing wrongful group life insurance denials.

What does the contestability period mean in Nebraska life insurance cases?

Nebraska policies typically have a two-year contestability window. Denials during this time must be based on a material and intentional misstatement.

What if my denial letter cites Nebraska law as the basis for the decision?

Insurers often misapply Nebraska statutes. In one North Platte case, we successfully challenged a denial that relied on an outdated interpretation of state law.

Which Nebraska life insurance companies are known for denying claims?

Mutual of Omaha, Assurity Life, and Ameritas Insurance are frequently cited for wrongful denials. We aggressively challenge all major insurers.

Does divorce revoke a life insurance beneficiary designation in Nebraska?

Yes, unless the policyholder reaffirmed the ex-spouse designation after the divorce. We regularly resolve disputes arising from this statute.

Is Nebraska a community property state, and how does that impact life insurance?

No, Nebraska is not a community property state. However, if marital funds paid the premiums, a surviving spouse may have a claim to part of the benefit.

Can a Nebraska life insurance policy be overridden by a will?

No. The named beneficiary takes priority over a will unless there is strong evidence of fraud, coercion, or lack of capacity.

What does it cost to hire a Nebraska life insurance lawyer?

We handle life insurance cases in Nebraska on a contingency basis. You pay nothing unless we recover the benefit for you.

Can a claim be denied in Nebraska if the insured died outside the U.S.?

Yes, but only if the policy has a clear foreign death exclusion. We recently reversed a wrongful overseas death denial for a Bellevue family.

What if the beneficiary was changed shortly before death in Nebraska?

Such changes are highly suspect. In Hastings, we successfully reversed a late beneficiary change that was made without proper mental capacity.

What should I do if my Nebraska life insurance claim is delayed?

Delays without a valid reason may constitute insurance bad faith under Nebraska law. We take immediate legal action to force payment.

Can Nebraska insurers deny an AD&D claim by labeling the death natural?

Yes, but we challenge these denials with forensic and medical evidence to prove the death qualifies as accidental.

Can an agent’s mistake on the application result in a denial in Nebraska?

Yes, but if the insurer’s agent made the mistake, the insurer may still be liable. We aggressively dispute agent-caused denials.

What is considered bad faith in a Nebraska life insurance denial?

Bad faith includes delaying a valid claim, misrepresenting policy terms, or refusing to investigate. Nebraska law permits punitive damages for proven bad faith.

Can a denial during the contestability period be reversed in Nebraska?

Yes. We successfully reverse many denials when the alleged misstatement was immaterial or unrelated to the cause of death.

Are ERISA life insurance policies more challenging to contest in Nebraska?

Yes, due to federal restrictions. However, our Nebraska ERISA attorneys have extensive success handling these complex appeals and lawsuits.

What happens if a Nebraska policy has no named beneficiary?

The benefit typically passes to the estate. We assist Nebraska families through probate court to recover the life insurance funds.

Can I challenge a questionable beneficiary designation in Nebraska?

Yes. Nebraska courts allow challenges based on fraud, coercion, undue influence, or lack of capacity.

Do Nebraska insurers have to give notice before canceling a life insurance policy?

Yes. Failure to provide statutory notice may invalidate the cancellation, keeping the policy in force.

How are employer life insurance policies handled in Nebraska?

Most employer-provided policies in Nebraska are governed by ERISA. We assist employees and families with appeals and federal litigation.

What if multiple people claim the same Nebraska life insurance policy?

The insurer may file an interpleader lawsuit. We represent rightful claimants in Nebraska interpleader actions to secure their share.

Can I file a claim if the insured was declared legally dead in Nebraska?

Yes. After a Nebraska court enters a death declaration, we assist with filing and recovering the policy benefits.

How long do I have to appeal a denied life insurance claim in Nebraska?

You generally have 180 days for ERISA policies. Deadlines for private policies vary. Contact us immediately to preserve your appeal rights.

Are verbal promises enforceable in Nebraska life insurance cases?

Generally no. Nebraska law requires written beneficiary designations, but equitable claims can sometimes be pursued based on fraud or deceit.

Are life insurance benefits protected from creditors in Nebraska?

Yes, if paid to a named beneficiary. If the benefit is paid to the estate, creditors may have access through Nebraska probate court.

Can a Nebraska insurer deny a claim based on vague policy language?

No. Nebraska courts interpret ambiguous policy terms in favor of the insured or beneficiary.

Can a lapsed or canceled policy still be paid in Nebraska?

Yes. We recover benefits where insurers failed to comply with Nebraska’s cancellation procedures or ignored reinstatement rights.

What if my Nebraska policy lapsed due to non-payment?

We check whether lapse notices were properly sent and whether automatic premium loans could have kept the policy active.

Can a child receive life insurance proceeds in Nebraska?

Yes. However, the funds may need to be managed by a court-appointed guardian or placed in a trust. We help families set this up properly.

Can a life insurance claim be denied for suspected fraud in Nebraska?

Only if the insurer can prove intentional, material fraud. We aggressively contest speculative fraud-based denials.

Can Nebraska life insurance disputes be settled without court?

Yes. Many disputes are resolved through direct negotiation or mediation. We are also ready to litigate when necessary.

What if a beneficiary change form was never processed by the insurer in Nebraska?

If the insurer failed to properly process a beneficiary change, the original designation may still control. We pursue these claims aggressively.

Are older life insurance policies still valid in Nebraska?

Yes. Longstanding policies remain enforceable as long as they were active when the insured passed away.

How can I prove I’m the rightful beneficiary in Nebraska?

We collect and present policy documents, family records, witness statements, and legal filings to build a compelling case for your claim.

2025 Nebraska Denied Life Insurance Claims: settlements & verdicts

Below are examples of Nebraska life insurance claims successfully resolved.

  • Great Southern COVID-19 death $102,100.00
  • Aflac power of attorney change $37,000.00
  • Franklin Life coronavirus denial $45,000.00
  • Accidental Death & Dismemberment drugs $650,000.00
  • Landmark Life alcohol exclusion $36,000.00
  • AAA wrong age on application $11,000.00
  • Effortless lapse of policy rejection $50,000.00
  • USAA intoxication exclusion won $123,000.00
  • Nebraska mass shooting denial $206,000.00
  • Bankers Life cancer in medical records $44,000.00
  • AD&D denial due to oxycontin denied $98,000.00
  • North American Life chronic illness $25,000.00
  • American United material misrepresentation $330,000.00
  • United of Omaha material misrepresentation $250,000.00
  • Executive Life sickness excluded denial $75,000.00
  • Globe delay during contestable period $107,320.00
  • Prudential AD&D claim denied resolved $414,900.00
  • AARP lapse while in hospital $108,000.00
  • Kemper kept delaying and delaying $22,000.00
  • Denied SGLI claim change of beneficiary $402,332.00
  • Transamerica drunk driving death $283,000.00
  • Stonebridge felony denial exclusion $146,000.00
  • Nebraska denied life insurance claim $1,750,00000
  • Athene Life would not send check to client $55,000.00
  • Denied FEGLI employee claim won $88,000.00
  • Colonial interpleader lawsuit we won $522,000.00
  • Atlantic American stabbing death denial $67,400.00
  • Primerica prescription drug lawsuit $314,000.00
  • Denied life insurance claim Nebraska $638,000.00
  • Accidental Death and Dismemberment claim $52,900.00
  • SGLI beneficiary change resolution $400,000.00
  • RiverSource playing games with client $58,000.00
  • Genworth autoerotic asphyxiation $277,000.00
  • American Amicable wife and ex-wife $649,000.00
  • Nebraska divorce and life insurance $261,000.00
  • AIG accidental death and dismemberment $403,600.00

Every denied claim is unique. In Nebraska, we know how to maximize your chance of recovering the full life insurance payout.

Legal References – Nebraska

  • Nebraska Contestability Clause Law: Under Neb. Rev. Stat. § 44-502, life insurance policies issued in Nebraska must include a provision stating that the policy becomes incontestable after it has been in force during the lifetime of the insured for a period of two years from its date, except for nonpayment of premiums. During this contestability period, insurers may deny claims based on material misrepresentations made in the application.​

  • Automatic Revocation of Ex-Spouse Beneficiaries: Nebraska law does not automatically revoke a former spouse's designation as a beneficiary on a life insurance policy upon divorce. Therefore, unless the policyholder updates the beneficiary designation after divorce, the ex-spouse may remain the beneficiary.​

  • Equitable Distribution Laws: Nebraska is an equitable distribution state, not a community property state. This means that life insurance proceeds are distributed according to the policy's beneficiary designation, and a surviving spouse is not automatically entitled to the death benefit unless named as a beneficiary or granted rights through a court order or marital agreement.​

  • ERISA & Group Policies: Employer-provided life insurance policies governed by the Employee Retirement Income Security Act of 1974 (ERISA) may preempt Nebraska's state laws in cases involving contested beneficiaries, including disputes with former spouses. In such cases, the beneficiary designation on the policy typically determines who receives the proceeds, regardless of state laws.

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

The Lassen Law Firm is a national practice focused exclusively on life insurance litigation. Founded by Christian Lassen, Esq., the firm has recovered hundreds of millions for clients in all 50 states. All website content is written or reviewed by Mr. Lassen personally to ensure accuracy and authority.