Life Insurance Lawyer Omaha Ne
"Life Insurance Lawyers for Omaha, NE – The Lassen Law Firm" In Omaha, a dynamic city known for its rich history, thriving economy, and friendly Midwest charm, 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 dedicated to helping families and individuals in Omaha secure the financial protection they deserve. Whether you’re near the bustling Old Market district, the beautiful Lauritzen Gardens, or anywhere across Douglas County, we provide trusted legal expertise and personalized care every step of the way. Our experienced and trusted Nebraska 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 Omaha residents seeking justice in insurance disputes.
2025 Omaha Ne Denied Life Insurance Claims
- Beneficiary Life missed payment lapsed policy $11,000.00
- Western United coronavirus death claim $25,000.00
- Mutual of Omaha accidental death policy $1,071,000.00
- SGLI the girlfriend changed beneficiary form $400,000.00
- Horace Mann accidental death $149,000.00
- American Income Life delay $300,000.00
- Pekin Life material misrepresentation $54,000.00
- Gleaner Life secondary beneficiary issue $28,000.00
- Omaha Nebraska life insurance claim $30,000.00
- A C Newman beneficiary dispute $106,000.00
- Great Western lawsuit interpleader $360,000.00
- Horace Mann insured commits suicide $50,000.00
Questions About Life Insurance Claims in Omaha, Nebraska
Can life insurance claims be denied in Omaha if the policyholder failed to disclose a previous surgery?
Yes, insurers may deny claims if an insured failed to disclose prior surgeries during the application. However, if the surgery was unrelated to the cause of death — like a knee surgery years earlier for someone who died of heart failure — beneficiaries in Omaha can often challenge the denial.
What happens if multiple people claim to be the life insurance beneficiary in Omaha?
When two or more individuals claim the same benefits, the insurer often files an interpleader in Douglas County Court. For example, we’ve handled Omaha cases where a second spouse and adult children fought over proceeds due to conflicting beneficiary forms.
Can an ex-spouse still collect life insurance benefits in Omaha after a divorce?
Not usually. Nebraska law revokes an ex-spouse’s designation unless reaffirmed after divorce. However, we’ve seen disputes arise in Omaha where federal policies like FEGLI were involved, which are governed by federal law and not automatically revoked.
Is a life insurance claim in Omaha automatically denied if the policy lapsed before death?
Not necessarily. If the insurer failed to send required lapse notices or improperly processed the lapse, the claim could still be payable. We’ve challenged several lapse-related denials in Omaha where notices were never mailed or grace periods were ignored.
Can a Nebraska life insurance policy be voided due to misrepresentation if the contestability period has ended?
Usually not. After the two-year contestability period, insurers must prove intentional fraud to deny based on misrepresentation. We've successfully defended Omaha claims even when insurers tried to revisit old application errors.
Are beneficiaries in Omaha entitled to interest on delayed life insurance payments?
Yes. Under Nebraska law, unreasonable delay may entitle beneficiaries to interest on the claim amount. We’ve recovered both benefits and interest for Omaha families facing long insurer delays without valid reasons.
What if a life insurance policy in Omaha names a beneficiary who predeceased the insured?
If no contingent beneficiary was named, the proceeds often pass to the estate. We’ve resolved several Omaha cases where competing heirs fought over policies after the named beneficiary had passed away.
How can I fight a denied accidental death claim in Omaha?
Accidental death denials often cite causes like “illness” or “intoxication.” In one Omaha case, we used ER records to prove a fatal fall was purely accidental, forcing the insurer to reverse its denial under an AD&D policy.
Is a life insurance company allowed to deny a claim in Omaha based on vague policy language?
No. If terms are ambiguous, Nebraska courts interpret them in favor of the insured. We’ve overturned Omaha denials where policies contained undefined terms like “unlawful activity” or “unauthorized treatment.”
Can a policyholder legally name a new beneficiary in Omaha without notifying family members?
Yes. Nebraska law allows policyholders to change beneficiaries without informing relatives. However, we’ve challenged last-minute changes in Omaha courts where coercion, fraud, or lack of mental capacity was involved.
Does Nebraska follow community property rules for life insurance payouts?
No. Nebraska is not a community property state. For instance, if an Omaha husband names a friend instead of his spouse as beneficiary, the spouse generally has no automatic right to contest — unless marital funds were used improperly to pay premiums.
Can a life insurance policy in Omaha be denied due to the insured’s criminal history?
Only if the criminal record was material to the policy issuance and intentionally concealed. We've defeated denials where Omaha insurers claimed minor, unrelated convictions invalidated coverage.
What if the insured in Omaha died while engaged in a risky activity excluded by the policy?
If the death occurred during excluded activities like skydiving or racing, the insurer may deny payment. However, we've argued exclusions don’t apply when the activity wasn't clearly listed or wasn’t actually risky under policy terms.
How does an interpleader affect life insurance claims in Omaha?
An interpleader freezes the funds while the court decides the rightful beneficiary. In Omaha, these are common when a new spouse and adult children both claim the policy, especially if the insured updated forms late in life.
Are minor children allowed to directly receive life insurance proceeds in Omaha?
No. Insurers typically require a guardian or conservator if a minor is the named beneficiary. We assist Omaha families by establishing trusts or court appointments to properly handle minor beneficiary claims.
Can life insurance be denied in Omaha if death occurred during a suspected suicide?
Yes — but only during the suicide exclusion period. After two years, suicide is typically covered under Nebraska law. We've overturned denials where insurers misclassified accidental deaths as suicide without proper proof.
What legal rights does a disinherited spouse have to life insurance in Omaha?
If marital funds were used to pay premiums, a disinherited spouse might assert a partial claim under Nebraska’s equitable distribution laws. We’ve litigated several Omaha cases to protect spouses unfairly excluded from policies.
Is it possible to reopen a life insurance claim in Omaha that was denied years ago?
Sometimes. If new evidence like medical records or forgery proof surfaces, old claim denials may be revisited. We caution Omaha families to act fast because Nebraska statutes of limitations can bar late lawsuits.
Can a forgery on the beneficiary form lead to denial in Omaha?
Yes. If a forgery is proven, the insurer may void the fraudulent change. In one Omaha case, we used handwriting experts to prove a forged beneficiary update, restoring payout rights to the intended heirs.
Why would a life insurance policy be denied if premiums were current at the time of death in Omaha?
Even with current premiums, insurers may deny claims based on alleged misstatements, risky activities, or cause-of-death exclusions. We've fought and reversed many of these denials for Omaha families caught off guard after a loved one’s death.
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.