Life Insurance Lawyer Las Vegas NV
"Life Insurance Lawyers for Las Vegas, NV – The Lassen Law Firm" In Las Vegas, the dazzling city known as the Entertainment Capital of the World, navigating life insurance claims can still be a daunting and frustrating experience—particularly when benefits are unfairly delayed or denied. At The Lassen Law Firm, we are committed to helping families and individuals in Las Vegas secure the financial protection they deserve. Whether you’re near the iconic Las Vegas Strip, the serene Red Rock Canyon, or anywhere across Clark County, we provide trusted legal expertise and personalized guidance every step of the way. Our experienced and trusted Nevada life insurance lawyers are here to help.
With a nationwide track record of recovering hundreds of millions in life insurance claims, The Lassen Law Firm delivers compassionate advocacy, relentless representation, and trusted results for Las Vegas residents seeking justice in insurance disputes.
2025 Las Vegas Denied Life Insurance Claims
- Lincoln Memorial lapsed policy missed payment $14,000.00
- AAA Life COVID 19 death denial resolved $50,000.00
- Mutual of Omaha accidental death policy $1,023,000.00
- Ameritas accidental death claim $229,000.00
- Zurich Life misrepresentation on application $270,000.00
- Las Vegas life insurance claim $900,000.00
- Gerber beneficiary dispute aunt $301,000.00
- Massachusetts Mutual interpleader $365,000.00
- AARP accident death & dismemberment $104,000.00
- Mid Contingental life wrong age on application $97,000.00
- Guarantee Security act of war exclusion $25,000.00
Questions About Life Insurance Claims in Las Vegas, Nevada
Can a life insurance claim be denied in Las Vegas due to undisclosed health conditions?
Yes. During the contestability period, insurers can rescind policies if they discover material omissions. For example, if a Las Vegas resident failed to disclose a heart condition on the application and later died of cardiac arrest, the insurer might attempt to deny payment—but only if they prove the omission was intentional and relevant.
Does Nevada law revoke an ex-spouse’s life insurance beneficiary status after divorce?
Generally, yes. Under Nevada’s automatic revocation statute, an ex-spouse is automatically removed unless the insured reaffirmed their beneficiary designation after divorce. We've seen Las Vegas disputes where insurers paid out improperly due to old paperwork that didn’t reflect the divorce.
What is an interpleader lawsuit in Las Vegas life insurance cases?
If multiple people claim life insurance benefits, insurers often file an interpleader in Clark County court, depositing the funds and letting a judge decide. This typically happens when a new spouse and children from a prior marriage both assert claims to the payout.
Can failure to disclose prescription drug use void a Las Vegas life insurance policy?
Yes, particularly if the medications related to major conditions like cancer or mental illness. However, if the prescription was minor or unrelated, legal challenges often succeed in reversing the denial.
Is it legal to name a non-relative as a life insurance beneficiary in Las Vegas?
Absolutely. Nevada allows anyone—including friends or caregivers—to be named. That said, sudden, unexpected designations may lead to challenges based on allegations of undue influence or fraud, especially in high-dollar policies.
Can a life insurance policy be canceled if premiums were missed during hospitalization in Las Vegas?
Policies can lapse for nonpayment, but Nevada law requires that clear notice be given. If a Las Vegas insured was hospitalized and never properly notified, the insurer may be unable to deny the claim legitimately.
What happens if a Las Vegas life insurance beneficiary dies before the insured?
If no contingent beneficiary was named, proceeds typically go to the insured’s estate. This often causes delays and can trigger probate, especially if no will exists.
Can intoxication void an accidental death benefit in Las Vegas?
Possibly, if the policy has a specific exclusion for intoxication-related deaths. We often challenge denials by showing the insured’s blood alcohol level wasn’t high enough to cause the accident directly.
Can a handwritten beneficiary change be honored in Las Vegas?
Only if it meets the insurer’s procedural requirements. In cases where Las Vegas residents scribbled last-minute changes without submitting proper forms, courts closely examine the evidence before honoring the update.
Can an insurer deny a Las Vegas life insurance claim due to a criminal record?
Only if the criminal history was misrepresented during the application and directly affected the insurer’s decision to issue the policy. Otherwise, simply having a criminal record doesn’t invalidate coverage.
How does Nevada’s community property law affect life insurance payouts in Las Vegas?
Because Nevada is a community property state, a surviving spouse may claim part of the life insurance proceeds if premiums were paid with marital funds—even if someone else is listed as beneficiary. We've litigated many Las Vegas cases where spouses successfully recovered partial benefits.
Can a Las Vegas insurer delay payment without a valid reason?
Insurers are allowed reasonable investigation time, but unjustified delays may constitute bad faith under Nevada law. If an insurer drags out a claim, beneficiaries can sue for extra damages beyond the policy amount.
What happens if lapse notices were sent to an old address in Las Vegas?
If an insurer failed to update a known address change and sent important notices to the wrong location, the policy may still be enforceable. We've reversed denials for Las Vegas families where insurers mishandled contact updates.
Can a last-minute beneficiary change be challenged in Las Vegas?
Yes. If the insured was mentally impaired, under duress, or heavily medicated when changing beneficiaries, courts may invalidate the update. Testimony from doctors and close family members often plays a key role.
Are there restrictions on distributing life insurance proceeds among multiple beneficiaries in Las Vegas?
No. The insured can divide benefits however they choose. If unclear or if a beneficiary predeceases the insured without an alternate named, disputes may arise requiring legal intervention.
How do suicide clauses affect Las Vegas life insurance claims?
If the insured dies by suicide within two years of policy issuance, only premiums are typically refunded. After two years, suicide is usually covered. We've helped Las Vegas families contest wrongful denials when insurers misapplied the exclusion.
Can a vague exclusion clause justify denying a Las Vegas life insurance claim?
Not easily. Nevada courts interpret unclear policy language against the insurer. If a clause like “hazardous behavior” isn’t clearly defined, beneficiaries often succeed in overturning the denial.
What role does fraud play in denied life insurance claims in Las Vegas?
Fraud is a major reason insurers cite for voiding policies. However, proving fraud requires clear, convincing evidence—not just minor errors or omissions. Many fraud-based denials are successfully challenged when properly reviewed.
Can a denied life insurance claim be reopened if new information emerges in Las Vegas?
Yes. If new medical records, corrected forms, or payment evidence becomes available, beneficiaries can request reconsideration or file a lawsuit. Nevada law supports reopening valid claims under new evidence standards.
What should you do if a life insurance dispute arises among family members in Las Vegas?
Start by gathering all policy documents, emails, and legal paperwork. A life insurance attorney can then assess your case and, if necessary, represent you in court—especially when insurers file an interpleader and the judge must resolve competing claims.
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.