Life Insurance Lawyer Concord NH
"Life Insurance Lawyers for Concord, NH – The Lassen Law Firm" In Concord, New Hampshire’s capital city known for its historic charm, vibrant cultural offerings, and welcoming community, navigating life insurance claims can still be a challenging and overwhelming experience—especially when benefits are unfairly delayed or denied. At The Lassen Law Firm, we are dedicated to helping families and individuals in Concord secure the financial protection they deserve. Whether you’re near the iconic New Hampshire State House, the serene Merrimack River, or anywhere across Merrimack County, we provide trusted legal expertise and personalized care every step of the way. Our experienced and trusted New Hampshire 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 Concord residents seeking justice in insurance disputes.
2025 Concord NH Denied Life Insurance Claims
- MassMutual COVID-19 exclusion denial $75,000.00
- GA Life intoxication Exclusion claim case $38,000.00
- All American Life medical records not obtained $50,000.00
- Franklin Life material misrepresentation $44,000.00
- Genworth accidental death claim $215,000.00
- AIG prescription drug exclusion $340,000.00
- Concord New Hampshire life insurance claim $350,000.00
- Stonebridge Life beneficiary dispute $507,000.00
- Assurity interpleader granddaughter $785,000.00
- Great Southern cancer found in records $34,000.00
Questions About Life Insurance Claims in Concord, New Hampshire
Can a life insurance company in Concord deny a claim for missing a doctor’s appointment listed in the application?
Missing a scheduled medical appointment by itself isn’t typically grounds for denial. However, if the appointment would have uncovered a serious illness that the insurer relied on during underwriting, the denial might be valid. For example, if the missed appointment was for suspected heart disease and the insured later died of a heart attack, the insurer might claim material misrepresentation.
Does a divorce in Concord automatically cancel a life insurance policy naming the ex-spouse as beneficiary?
Yes, unless the insured reaffirmed the ex-spouse’s designation after the divorce. New Hampshire law revokes most pre-divorce beneficiary designations to former spouses, but complications arise when federal laws like ERISA govern the policy, which can override state revocation rules.
What is the role of an interpleader lawsuit in Concord life insurance disputes?
If two or more parties claim entitlement to the same policy proceeds, the insurance company often files an interpleader action. In Concord, the court holds the funds and decides who should receive them. This is common when beneficiaries are changed shortly before death or family members contest last-minute updates.
Can a policy lapse in Concord even if the insured died just a few days after a missed premium?
Not usually. New Hampshire law requires insurers to provide a grace period—typically 30 days—during which the policy remains active. If the death occurs within the grace period or if notice of lapse wasn’t properly given, the denial can often be successfully challenged.
What if a life insurance policy in Concord lists a deceased person as the sole beneficiary?
If no contingent beneficiary is named and the primary beneficiary has already passed away, the death benefit typically goes to the insured’s estate. This could lead to probate proceedings and potential creditor claims, delaying the payout.
Can a life insurance claim be denied in Concord because of alcohol use at the time of death?
It depends on the policy language. Some policies have specific intoxication exclusions. For example, if the insured died in a car accident while over the legal blood alcohol limit, the insurer might deny the claim. However, vague clauses or weak links between alcohol use and cause of death can often be contested.
What happens if the insurer in Concord claims the beneficiary change was fraudulent?
If fraud is suspected, the insurer may freeze the payout and request the court to determine the rightful beneficiary. Cases often involve handwriting analysis, hospital records, or witness testimony to verify whether the insured knowingly and voluntarily made the change.
Is a handwritten beneficiary designation valid in Concord?
It can be, but only if the insurance company accepted and filed it properly. A handwritten note without insurer confirmation doesn’t typically override the last official designation on file.
What rights do surviving spouses in Concord have if they were removed from a policy?
New Hampshire is not a community property state. A spouse removed from a policy has no automatic right to proceeds unless the policy was funded with marital assets or unless divorce decrees or other agreements were violated.
How are minor children handled as life insurance beneficiaries in Concord?
When a minor is listed as the beneficiary, the insurer will not release the payout directly. The funds are either held in trust or require the appointment of a guardian, which can delay distribution unless pre-planning measures were taken.
What if the life insurance policy was purchased through the insured’s employer in Concord?
Employer-provided life insurance typically falls under ERISA rules, meaning that New Hampshire's divorce revocation law may not apply. This federal protection can allow ex-spouses to collect if the employer plan paperwork wasn’t updated after divorce.
Can a life insurance payout be contested in Concord due to undue influence?
Yes. If a new beneficiary was added under suspicious circumstances—such as when the insured was elderly, sick, or isolated—family members can challenge the designation. Courts in Concord review medical records, testimony, and the timing of the change to determine validity.
Are suicide-related deaths excluded from life insurance coverage in Concord?
Most policies exclude suicide for the first two years after issuance. After the exclusion window closes, suicide is usually covered. Even if the insurer cites suicide, families may challenge whether the death was truly intentional or properly classified.
What options do Concord residents have if a life insurance claim is denied unfairly?
If a denial seems unjustified—such as misinterpretation of policy terms or an unsupported accusation of fraud—beneficiaries can sue for breach of contract and bad faith under New Hampshire law. Successful lawsuits can recover the death benefit, legal costs, and additional damages.
Can life insurance proceeds in Concord be subject to estate taxes?
Only if the proceeds become part of the estate, which usually happens when no living beneficiary exists. If a valid beneficiary is named, the payout typically bypasses the estate and remains protected from taxes and creditors.
What if a Concord insurer delays payment for no apparent reason?
If an insurer stalls without a valid reason after receiving a complete claim, it may be acting in bad faith. New Hampshire law protects beneficiaries from unreasonable delays, and legal remedies are available to enforce timely payment.
How long does someone in Concord have to contest a denied life insurance claim?
Under New Hampshire law, beneficiaries typically have three years from the date of denial to file a breach of contract lawsuit. Shorter deadlines may apply under ERISA-governed policies, so it's best to act quickly.
Can an outdated beneficiary designation still be enforced in Concord?
Yes. Life insurers pay based on the latest valid designation they have on file. If the insured didn’t submit an official change—even if their intent was different—the outdated beneficiary still legally controls the payout unless successfully challenged.
Can a Concord life insurance claim be denied over a technical mistake on the application?
Only if the mistake is material. For example, misstating a prior surgery related to the cause of death might be material. But typos or irrelevant omissions—like a forgotten childhood illness—generally can’t justify a claim denial under New Hampshire law.
Is it possible for multiple people to share the life insurance payout in Concord?
Yes. If multiple beneficiaries are named, the payout can be divided according to specified percentages. If no percentages are listed, the insurer usually splits the amount equally. Disputes sometimes arise if a beneficiary dies before the insured or if instructions are unclear.
For more information on insurance regulations and consumer protections in New Hampshire, you can visit the New Hampshire Insurance Department. Additionally, the National Association of Insurance Commissioners (NAIC) offers nationwide insurance resources.