Life Insurance Lawyer Nashua NH
"Life Insurance Lawyers for Nashua, NH – The Lassen Law Firm" In Nashua, a vibrant city known for its picturesque parks, rich industrial history, and welcoming community, navigating life insurance claims can still be a stressful and overwhelming experience—especially when benefits are unfairly delayed or denied. At The Lassen Law Firm, we are committed to helping families and individuals in Nashua secure the financial peace of mind they deserve. Whether you’re near the bustling downtown area, the serene Mine Falls Park, or anywhere across Hillsborough 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 Nashua residents seeking justice in insurance disputes.
2025 Nashua NH Denied Life Insurance Claims
- Puritan Life automatic deduction not made $39,000.00
- Zurich American intoxication excluded $50,000.00
- Great Southern Life sickness exclusion $21,000.00
- New York Life coronavirus denial $63,000.00
- ING accidental death claim alcohol $513,000.00
- Globe Life interpleader case grandson $146,000.00
- Nashua New Hampshire life insurance claim $350,000.00
- Guardian Life beneficiary dispute $91,000.00
- Mutual of Omaha interpleader daughter $550,000.00
- Chase lapse of policy missed payments $25,000.00
- AD&D claim in Nashua New Hampshire $112,000.00
Questions About Life Insurance Claims in Nashua, New Hampshire
Can a life insurance company in Nashua deny a claim based on an old medical condition the insured didn’t mention?
Yes, especially within the contestability period, typically the first two years after policy issuance. For instance, if a past cancer diagnosis was not disclosed but the death was due to an unrelated accident, beneficiaries in Nashua may still have a strong case to overturn the denial.
Does a divorce automatically remove an ex-spouse as a life insurance beneficiary in Nashua?
In most cases, yes. New Hampshire law revokes an ex-spouse’s beneficiary status unless the policyholder reaffirmed them post-divorce. However, insurers sometimes miss this legal change, which can create disputes when outdated designations conflict with current laws.
What happens if more than one person claims life insurance proceeds in Nashua?
If competing claims arise—such as between a former spouse and a child—the insurer may file an interpleader in court. In Nashua, the court reviews the evidence and decides who is legally entitled to the proceeds.
Can a life insurance claim in Nashua be rejected if the insured died during a dangerous activity?
Yes, but only if the policy clearly excludes that specific activity. For example, deaths during skydiving or racecar driving might trigger exclusions, but vague wording can often be challenged successfully by Nashua beneficiaries.
What should I do if the insurer claims the policy lapsed before the insured died in Nashua?
First, verify whether proper lapse notices and grace periods were honored. If the insurer failed to provide required warnings—or if the premium was mailed timely—the lapse-based denial could be contested under New Hampshire insurance law.
Can someone in Nashua designate a friend or partner as a life insurance beneficiary instead of family?
Yes. Anyone can be named, including non-relatives. However, when the choice appears unusual or was made under questionable circumstances, legal challenges may follow, especially from family members who feel wronged.
Is it possible to reopen a denied life insurance claim in Nashua years later?
Sometimes. If new evidence, such as previously missing medical records or proof of timely premium payments, comes to light, the claim may be reopened. However, strict deadlines apply under New Hampshire law, so acting quickly is critical.
What if the life insurance company in Nashua says the application was fraudulent?
The insurer must prove that the alleged misrepresentation was intentional and material to the underwriting decision. Minor or irrelevant errors—such as misstating height by an inch—typically cannot justify rescission of the policy.
Can a Nashua beneficiary be denied payment if they were convicted of involvement in the insured’s death?
Yes. Under New Hampshire’s slayer statute, anyone who unlawfully and intentionally causes the death of the insured is barred from receiving life insurance proceeds. If no contingent beneficiary exists, the money may revert to the estate.
Are life insurance payouts in Nashua subject to estate taxes or creditor claims?
If a valid beneficiary is named, proceeds bypass probate and are protected from creditors. However, if the funds default to the insured’s estate—such as when no living beneficiary exists—creditors may have access during probate.
Can an insurer deny an accidental death claim in Nashua based on toxicology results?
Yes, but only if intoxication clearly contributed to the fatal incident. For example, if the insured had alcohol in their system but died from an unrelated mechanical failure, beneficiaries can often contest an intoxication-based denial.
Is it legal to name a minor child as a life insurance beneficiary in Nashua?
Yes, but since minors cannot legally receive funds directly, courts typically appoint a guardian or trustee to manage the money until adulthood. Setting up a trust beforehand can help families in Nashua avoid probate delays.
What happens in Nashua if the life insurance policy was changed shortly before the insured’s death?
Last-minute beneficiary changes—especially when the insured was hospitalized or mentally impaired—are often challenged. Courts in Nashua closely scrutinize whether the change was made voluntarily and with full capacity.
Can a handwritten note changing the beneficiary be used in Nashua if it was never submitted?
Usually not. Beneficiary changes must be properly submitted and recorded by the insurance company. If a handwritten note was never processed, the insurer typically honors the last valid designation on file.
What’s the process if a Nashua insurer is delaying my life insurance payment without explanation?
If your claim is fully documented and the insurer continues to delay, you may have grounds for a bad faith lawsuit. New Hampshire law allows beneficiaries to pursue damages, penalties, and attorney fees for unreasonable delays.
Does community property law affect life insurance in Nashua?
No. New Hampshire is not a community property state. This means that a surviving spouse in Nashua has no automatic right to life insurance proceeds unless they were specifically named as a beneficiary.
What can I do if I suspect forgery on a Nashua life insurance beneficiary designation?
You should immediately seek legal help. Forgery claims often require forensic handwriting analysis and witness testimony. Courts in Nashua can invalidate fraudulent beneficiary changes and restore earlier legitimate designations.
Can a life insurance claim be denied in Nashua based on the insured’s criminal history?
Not automatically. Criminal history only matters if it was fraudulently omitted during the application and materially impacted the insurer’s decision to issue coverage. Otherwise, beneficiaries can still collect even if the insured had a past record.
Do all life insurance policies in Nashua have a suicide clause?
Most policies contain a two-year suicide exclusion. If suicide occurs outside that period, it is usually covered. Claims related to mental health or suspicious deaths may still require legal review to ensure insurers don’t wrongly deny benefits.
How do I know if I have grounds to contest a life insurance denial in Nashua?
If the insurer’s explanation seems vague, shifts over time, or heavily relies on questionable exclusions, you likely have grounds to challenge the denial. A qualified Nashua life insurance attorney can review your case and push for payment.
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.