Life Insurance Lawyer NevadA

Trusted Life Insurance Lawyers Nevada: The Lassen Law Firm 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. Whether you’re in Las Vegas, Henderson, Reno, Carson City, or anywhere else in Nevada, 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 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 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.

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: Missed premium payments are cited as grounds for cancellation, but Nevada law requires insurers to provide proper notice before terminating coverage.
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 — and should — 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.

Nevada Denied Life Insurance Claims: Answers to Common Questions

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

You should immediately contact a skilled Nevada life insurance lawyer. Many denials are reversible, and we have successfully overturned numerous wrongful claim denials statewide.

How should I handle a life insurance interpleader lawsuit in Nevada?

Act quickly. If you’re named in a Nevada interpleader case, the court will decide who gets the payout. We protect your rights and fight to secure your share.

What steps should I take in a life insurance beneficiary dispute in Nevada?

Beneficiary disputes in Nevada are complex and emotional. Our attorneys specialize in resolving these cases through litigation or settlement to enforce rightful claims.

Why are accidental death and dismemberment (AD&D) claims often denied in Nevada?

Insurers often argue that deaths resulted from illness or alcohol rather than an accident. We challenge these denials by analyzing evidence and policy definitions to prove accidental causes.

Can a lapsed policy be used as grounds to deny a Nevada life insurance claim?

Yes, but only if the insurer complied with Nevada’s lapse notice and grace period requirements. We frequently overturn denials based on improper or missing notices.

Is a misrepresentation on the life insurance application enough to deny a claim in Nevada?

Not necessarily. The insurer must prove the misrepresentation was both material and intentional. We regularly dispute denials where the alleged error had no impact on underwriting or death.

Can an alcohol exclusion be the reason a Nevada life insurance claim is denied?

Yes, but the exclusion must be clear and directly tied to the cause of death. We successfully challenge alcohol-based denials when insurers overreach or misinterpret policy language.

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

ERISA appeals have strict rules and deadlines. Our Nevada ERISA attorneys build powerful appeals and litigate in federal court when insurers act in bad faith.

What does the contestability period mean for Nevada life insurance policies?

In Nevada, insurers can investigate for application misstatements during the first two years. However, we often reverse contestability denials by showing the alleged misstatement was immaterial.

What if the insurer cites Nevada state law in their denial letter?

Insurers often misapply Nevada law. Our attorneys carefully review denial letters and state statutes to identify legal errors and overturn wrongful denials.

Which life insurance companies in Nevada are known for denying claims?

Nevada Silver Life and other regional insurers are frequently reported in claim disputes. We take aggressive legal action against any company wrongfully withholding benefits.

Does divorce automatically revoke an ex-spouse’s beneficiary status in Nevada?

Yes. Nevada law revokes an ex-spouse’s beneficiary rights after divorce unless the insured reaffirmed them afterward. We frequently litigate these post-divorce disputes.

Is Nevada a community property state, and how does that affect life insurance payouts?

Yes. If premiums were paid from community property funds, a surviving spouse may have a right to half the benefit, even if another person is named as beneficiary.

Can a will override a beneficiary on a Nevada life insurance policy?

No. The beneficiary designation on the life insurance policy controls unless fraud, coercion, or legal incapacity is proven.

How much does a Nevada life insurance lawyer cost?

We work on a contingency fee basis. You pay nothing unless we recover your life insurance benefit.

Can a Nevada life insurance claim be denied for a death that occurred overseas?

Yes, if the policy includes a foreign death exclusion. However, we often challenge these denials when exclusions are ambiguous or improperly enforced.

What if the beneficiary designation was changed just before the death in Nevada?

Last-minute changes can be contested if there is evidence of undue influence, fraud, or lack of mental capacity. We pursue legal action to protect rightful beneficiaries.

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

Unreasonable delays may constitute insurance bad faith under Nevada law. We pressure insurers to pay promptly and seek penalties for unlawful delays.

Can a Nevada insurer deny an AD&D claim by calling the death natural instead of accidental?

Yes, but we challenge such classifications with medical records, forensic evidence, and expert testimony to prove the death was accidental.

Can agent errors lead to a denied life insurance claim in Nevada?

Yes. If an insurance agent made an application error, the insurer may still be responsible. We investigate and challenge denials based on agent misconduct.

What qualifies as bad faith in a Nevada life insurance denial?

Bad faith includes unjustified denial, delay, or misrepresentation of policy terms. We seek extra damages where Nevada law allows for bad faith recovery.

Is a contestability denial final in Nevada?

No. Contestability-based denials can be reversed, especially when the alleged misstatement was minor, unintentional, or unrelated to the cause of death.

Are ERISA life insurance appeals more difficult in Nevada?

Yes, ERISA claims involve strict deadlines and limited remedies. Our ERISA attorneys handle these appeals meticulously and pursue litigation when necessary.

What if no beneficiary is named on a Nevada life insurance policy?

If no beneficiary is named, proceeds generally pass to the insured’s estate. We assist families through Nevada probate to recover life insurance benefits.

Can a suspicious beneficiary designation be legally challenged in Nevada?

Yes. We contest changes based on undue influence, incapacity, or fraud and work to restore benefits to the rightful parties.

Are Nevada insurers required to send notice before canceling a life insurance policy?

Yes. If they fail to provide proper notice under Nevada law, the cancellation may be invalid and the policy could still be enforced.

What happens with group life insurance claims through Nevada employers?

Employer-provided life insurance is usually governed by ERISA. We assist employees and families with complex enrollment errors and wrongful denials.

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

The insurer may file an interpleader action. We represent rightful claimants in court to recover the death benefit.

Can life insurance benefits be paid if the insured was declared legally dead in Nevada?

Yes. Once a Nevada court declares the insured legally deceased, we help families file claims and recover life insurance proceeds.

How long do I have to appeal a denied claim in Nevada?

For ERISA claims, you typically have 180 days. For other policies, deadlines vary. Contact us immediately to avoid losing your appeal rights.

Can verbal promises about life insurance change a beneficiary in Nevada?

No. In Nevada, written beneficiary designations control. Verbal agreements are not enforceable in life insurance cases.

Are life insurance proceeds protected from creditors in Nevada?

Yes, when paid to a named beneficiary. If proceeds are paid to the estate, creditors may access them through probate.

Can unclear or ambiguous policy language be used to deny a claim in Nevada?

No. Under Nevada law, ambiguous insurance terms are interpreted in favor of the insured or beneficiary.

Can a canceled or lapsed policy still result in a payout in Nevada?

Yes. If the insurer failed to follow proper cancellation procedures, the policy may still be enforceable.

What happens if the Nevada life insurance policy was canceled for non-payment?

We review whether the insurer provided proper notices and whether reinstatement rights were ignored. Many "lapsed" denials are successfully contested.

Can a minor receive life insurance proceeds in Nevada?

Yes. A guardian or trust may need to manage the funds. We help Nevada families set up protective arrangements for minor beneficiaries.

Can a claim in Nevada be denied for suspected fraud?

Only if the insurer can prove intentional and material fraud. We aggressively contest denials based on weak or speculative accusations.

Can life insurance disputes in Nevada be settled out of court?

Yes. Many cases are resolved through negotiation or mediation. However, we are ready to litigate if needed to protect your rights.

What if a beneficiary change form wasn’t submitted properly in Nevada?

If the change was never processed correctly, the original beneficiary designation may still control. We pursue these claims aggressively.

Are older life insurance policies still valid in Nevada?

Yes. Policies remain enforceable regardless of age, provided they were active when the insured passed.

How do I prove I’m the rightful life insurance beneficiary in Nevada?

We compile and present policy documents, correspondence, and legal evidence to assert your right to the benefit in Nevada courts if necessary.

2025 Nevada Denied Life Insurance Claims: settlements & verdicts

Globe life lapse nonpayment premium $10,000.00
Nevada mass shooting denied claim won $108,000.00
Fidelity Life oxycontin exclusion $52,000.00
United Home Life policy lapse $25,000.00
Prudential Life chronic illness exclusion $343,000.00
American United Life suicide exclusion $101,000.00
Transamerica BAC level intoxication exclusion $504,000.00
Bestow Life wrong age on application won $77,000.00
Lincoln National Life self-inflicted injury exclusion $90,000.00

Unum bad faith denial of claim $417,000.00
COVID-19 death life claim denied $833,200.00
Country Financial dangerous activity won $52,400.00
Cigna interpleader lawsuit success $253,000.00
Transamerica accidental death vs natural $312,823.00
Ex-wife contested SGLI claim and we won $403,650.00
Coronavirus denial of life insurance claim $352,000.00
Southern Farm Bureau four exclusions won $109,500.00
Lincoln National omission on application $215,329.00
Nevada denied life insurance claim $1,425,000.00
Denied FEGLI claim paid after phone call $120,400.00
SGLI resolved competing beneficiaries $400,000.00
Colonial life material misrepresentation $213,700.00
Nevada divorce and life insurance $528,900.00
Accidental Death and Dismemberment $531,879.00
West Coast alcohol drunk driving $277,000.00
Denied life insurance claim Nevada $2,200,000.00
Stonebridge illegal drug exclusion won $215,000.00
AD&D claim denial won by our lawyers $740,600.00
CUNA autoerotic asphyxiation death $356,000.00
Primerica beneficiary dispute payout $711,800.00
Liberty Mutual breach of contract issue $202,400.00

Legal References – Nevada

Nevada Contestability Clause Law: Under Nevada Revised Statutes (NRS) § 688A.290, life insurance policies in Nevada become incontestable after being in force during the lifetime of the insured for two years from the policy's 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: According to NRS § 111.781, a divorce or annulment automatically revokes a former spouse's designation as a beneficiary on a life insurance policy, unless the policyholder reaffirms the designation after the divorce or the policy explicitly states otherwise.
Community Property Laws: Nevada is a community property state. Life insurance policies purchased during the marriage with community funds are considered community property. Upon the death of one spouse, the surviving spouse may be entitled to half of the policy proceeds, unless the policy was purchased with separate funds or designated otherwise.
ERISA & Group Policies: Employer-provided life insurance policies governed by the Employee Retirement Income Security Act of 1974 (ERISA) may preempt Nevada's community property laws. In such cases, the beneficiary designation on the policy typically determines who receives the proceeds, regardless of state community property rules.

For more information on insurance regulations and consumer protections in Nevada, you can visit the Nevada Division 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.