Nevada Life Insurance Lawyer

Life Insurance Lawyers Serving All 17 Nevada Counties

Christian Lassen, Esq. | 25 Years Experience | Hundreds of Millions Recovered

If your life insurance claim was denied in Nevada, you're not alone and you're not without options. At The Lassen Law Firm, we focus exclusively on life insurance litigation and have helped families throughout Nevada recover millions in wrongfully denied death benefits. Whether your case involves a policy lapse, misrepresentation allegation, or a contested beneficiary change, we have the experience to challenge the denial and pursue the full payout.

Led by nationally recognized life insurance attorney Christian Lassen, quoted by The Wall Street Journal and rated 10.0 by AVVO, our firm serves clients in every region of Nevada. We handle denied life insurance claims in all 17 counties, and we never charge a fee unless we recover for you.

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

In Nevada, denied life insurance claims often leave beneficiaries feeling powerless and overwhelmed by complex policy language. If you’re facing a life insurance benefit denial in Nevada, The Lassen Law Firm is prepared to fight for your rights and help recover the money you’re legally owed.

In Nevada, life insurance beneficiary disputes frequently arise after divorces, remarriages, or questionable changes to a policy. If you're involved in a life insurance beneficiary dispute in Nevada, The Lassen Law Firm is ready to help you resolve the matter and fight for the payout you deserve.

In Nevada, life insurance companies often file an interpleader action in Nevada sometimes in the US District Court for the District of Nevada when multiple parties assert claims to the same policy, allowing the court to decide who is rightfully entitled to the proceeds.

Dealing with life insurance claims in Nevada can be challenging, especially when faced with denied benefits or delayed payouts. At The Lassen Law Firm, we are committed to helping individuals and families across the Silver State recover the benefits they deserve. We provide expert legal representation tailored to your needs.

As life insurance attorneys handling cases nationwide, we’ve recovered hundreds of millions in policies for our clients. With unmatched dedication, legal expertise, and results-driven advocacy, The Lassen Law Firm is here to ensure justice for every client we represent. 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 25 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 Nevada? We’ll Help You Fight for Your Benefits

Life insurance is intended to offer financial security during life’s most difficult moments. Yet in Nevada, many families find themselves battling insurance companies instead of receiving the benefits they were promised. If your life insurance claim has been denied, delayed, or reduced, you do not have to accept the insurer’s decision. Our Nevada life insurance attorneys are ready to take action on your behalf and help you recover what you are owed. If you're dealing with a denied accidental death and dismemberment claim in Nevada, our legal team can help you fight back and seek the full payout.

Insurance companies may rely on technicalities, minor mistakes, or disputed interpretations of policy terms to avoid paying claims. But under Nevada law, insurers are required to act fairly, promptly, and in good faith. If they fail to meet those obligations, you have legal options to hold them accountable. We offer free consultations, and we do not charge any fees unless we recover for you.

How the Contestability Period Impacts Life Insurance Claims in Nevada

In Nevada, life insurance policies generally include a two-year contestability period. During this window, insurers may investigate and deny claims based on alleged misstatements made in the application. However, once two years have passed, insurers are severely limited in their ability to deny claims unless they can prove actual fraud.

Even during the contestability period, Nevada law requires that a misstatement must be material to justify rescinding a policy. This means it must have affected the insurer’s decision to offer coverage or determine the policy terms. Innocent errors, minor omissions, or irrelevant mistakes do not qualify as grounds for denial.

If your claim has been denied based on contestability arguments, it is essential to have an attorney review the situation to protect your rights.

Common Reasons Life Insurance Claims Are Denied in Nevada

While the specific facts vary, insurers often rely on similar justifications when denying life insurance claims. In Nevada, common denial tactics include:

Accusations of Misrepresentation

Insurers claim that the insured failed to disclose a medical condition, hazardous activity, or tobacco use.

Policy Lapse for Nonpayment

Nevada beneficiaries often face denials due to missed payments, but the insurance lapse justification is frequently challenged when notice or billing procedures were mishandled.

Exclusions for Certain Causes of Death

Deaths from suicide during exclusion periods, illegal activities, or dangerous hobbies may be denied based on policy exclusions.

Beneficiary Disputes

Disagreements about beneficiary designations, especially if changes were made shortly before death, can delay or block payments.

Employer Errors in Group Life Insurance

Administrative mistakes during enrollment or maintenance can leave families without expected benefits.

Delays Resulting From Death Investigations

Insurers may delay claims when deaths are under investigation, but unreasonable delays can constitute bad faith under Nevada law.

Regardless of the insurer’s explanation, many denials can be challenged when they do not meet legal standards.

What to Do After Receiving a Life Insurance Claim Denial in Nevada

Taking quick action can significantly improve your chances of overturning a denial. If you’ve received a denial letter:

• Request and save a full copy of the insurance policy, the application, and any policy amendments.
• Review the denial letter carefully and document the insurer’s stated reasons.
• Preserve all communications with the insurer, including letters, emails, and call notes.
• Avoid providing any new documents or statements to the insurer without legal advice.
• Contact a Nevada life insurance attorney immediately to begin reviewing your case and protecting your claim.

Nevada law also imposes penalties on insurers who engage in unfair claims handling or delay payment without valid reason.

How Our Nevada Life Insurance Attorneys Handle Denied Claims

Our firm is dedicated exclusively to helping beneficiaries challenge wrongful life insurance denials. When you work with us, we will:

• Review the insurance policy, denial rationale, and application materials in detail.
• Identify and expose weaknesses in the insurer’s denial justification.
• Handle all negotiations and communications with the insurance company directly.
• File administrative appeals when necessary for group life insurance claims governed by ERISA.
• Litigate wrongful denials in Nevada courts when insurers refuse to resolve claims fairly.
• Pursue bad faith damages if the insurer violated Nevada’s claims handling laws.

Our goal is to recover the full life insurance benefits you were promised, and to hold insurance companies accountable when they break their legal obligations.

Claims filed under FEGLI and SGLI can be unfairly denied when agencies mishandle documents or misclassify eligibility. We work with Nevada families to resolve denied Federal Employees’ Group Life Insurance claims and fight back against denied SGLI benefits for military members and their loved ones.

If your life insurance came through an employer-sponsored plan, ERISA likely governs the policy. Our attorneys help Nevada clients appeal denied ERISA group life insurance claims and ensure all legal deadlines and procedural requirements are met.

Nevada Life Insurance Claim Denials – Local Answers to Complex Questions

Does Nevada law remove an ex-spouse as beneficiary of a life insurance policy after divorce?

Yes. Under Nevada’s automatic revocation statute (Nev. Rev. Stat. § 111.781), a divorce generally revokes an ex-spouse’s beneficiary designation on a life insurance policy. The ex-spouse is treated as having predeceased the policyholder unless the designation was reaffirmed after divorce or preserved by court order. The Lassen Law Firm can help you understand how this law applies to your situation.

What should I do if my life insurance claim was denied in Nevada?

Act fast and get legal help. We helped a woman recover her husband’s denied $300,000 policy after the insurer claimed a heart condition was not disclosed. We forced the company to reverse the denial.

How do I respond to a life insurance interpleader lawsuit in Nevada?

These lawsuits involve competing claimants. We have have resolved countless interpleader lawsuits, and we are here to help you.

Can I challenge a suspicious last-minute beneficiary change in Nevada?

Yes. In a recent case, a man switched beneficiaries to a friend shortly before passing. The change was contested by his daughter. We successfully voided the alteration.

Is a lapsed policy always valid grounds for denial in Nevada?

Not if notice rules weren’t followed. In Nevada, a man died three days after a missed premium. The insurer hadn’t sent the 30-day lapse notice required by law. We used that violation to recover the full benefit.

Can alcohol use lead to a denied accidental death claim in Nevada?

It depends on the exclusion wording. In Sparks, a man died in a crash after drinking. The insurer denied his claim under an intoxication clause. We submitted a brief, and the life insurance payout was secured.

What is the contestability period in Nevada, and how does it affect claims?

The first two years allow insurers to investigate application misstatements. In Carson City, a widow’s claim was denied for omitted medication. We showed the medication was irrelevant to the cause of death, and the claim was paid.

Can life insurance claims be denied over pre-existing conditions?

Only if the condition was concealed. In Elko, a man failed to report high blood pressure and died of cancer. We overturned the denial.

What happens if a Nevada insurer claims a policy was canceled for non-payment?

We examine whether the insurer complied with notice laws. In Mesquite, a policy was terminated without a final warning letter. We used this oversight to reinstate the policy and win the payout.

What if the death occurred overseas and the claim was denied?

Foreign death exclusions must be explicit. In Paradise, a man died while traveling in Mexico. The policy had no clear exclusion, so we successfully challenged the denial and secured full payment for the beneficiary.

What happens if there’s no named beneficiary on a Nevada policy?

The benefit goes to the insured’s estate.

Can a will override a life insurance policy in Nevada?

No. 

Can I win a claim if an agent made an error on the application?

Yes. In one case an agent marked "no" on a diabetes question without confirming. The insurer denied the claim. We proved agent negligence and enforced the policy under Nevada's doctrine of apparent authority.

Are old life insurance policies still enforceable in Nevada?

Yes. In Enterprise, a woman discovered a 1985 policy in a safe deposit box. We verified the policy was paid-up and recovered the benefit despite its age.

Can verbal promises change the beneficiary in Nevada?

No. 

What happens if a claim is denied due to alleged fraud?

Insurers must prove intentional misrepresentation. In Winnemucca, a claim was denied over a supposedly omitted condition. We showed the omission not material.

Are ERISA life insurance appeals harder in Nevada?

They are strict but winnable. These can be complex, but we fight hard and win.

Can you challenge a denial during the contestability period?

Yes. In Gardnerville, a man died within 20 months of coverage starting. The insurer cited a missed therapy disclosure. We showed it had no bearing on his accidental fall and reversed the denial.

Can I fight an AD&D denial based on the insurer calling the death “natural”?

Absolutely. In Paradise, a man fell from a ladder and died. The insurer cited a stroke. We hired an expert who found no evidence of stroke, leading to full payment under the AD&D rider.

Can unclear policy language be used against me?

No. Nevada law requires ambiguities to be interpreted in favor of the insured.

What’s the deadline to appeal a denied life insurance claim?

ERISA claims have a 180-day appeal period. For private policies, it depends on the contract. In Mesquite, we filed an appeal on day 178 and still overturned the denial.

Can I settle a Nevada life insurance claim without going to court?

Yes. Most cases get resolved by our firm submitting a legal brief to the insurance company.

Contact us today for a free consultation.

Written & Reviewed by Christian Lassen, Esq., Nationally recognized life insurance lawyer: 25 years experience, hundreds of millions recovered.  Quoted in The Wall Street Journal ( May 17, 2025).

Last reviewed: June 27, 2025 | Contact 800-330-2274

More Nevada Cities We Serve
Sparks
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Mesquite
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Winnemucca
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