New Mexico Life Insurance Lawyer

Life Insurance Lawyers Serving All 33 New Mexico Counties

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

If your life insurance claim was denied in New Mexico, 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 New Mexico 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 New Mexico. We handle denied life insurance claims in all 33 counties, and we never charge a fee unless we recover for you.

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

When a life insurance company denies a claim in New Mexico, it can leave families struggling to understand their rights during an already painful time. If you’re facing a life insurance denial case in New Mexico, The Lassen Law Firm is prepared to review your situation and fight for the benefits you’re owed.

Life insurance beneficiary disputes in New Mexico can arise from last-minute policy changes, allegations of fraud, or confusion over multiple named recipients. If you're dealing with a life insurance beneficiary dispute in New Mexico, The Lassen Law Firm can help protect your interests and pursue the benefits you deserve.

When multiple people claim entitlement to the same life insurance policy in New Mexico, insurers commonly file an interpleader lawsuit in New Mexico to let the court decide who should receive the payout.

As experienced life insurance attorneys handling cases nationwide, we’ve recovered hundreds of millions in policies for our clients. The Lassen Law Firm combines dedication, expertise, and compassionate advocacy to fight for justice and secure the best outcomes for individuals and families. 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.

Life Insurance Claim Denied in New Mexico? We’re Ready to Fight for What You’re Owed

Sadly, in New Mexico, many families find that insurance companies break that promise through wrongful denials, delays, or underpayments. If your life insurance claim has been denied, our New Mexico life insurance attorneys are ready to step in and fight for the benefits you deserve. Families in New Mexico dealing with a denied accidental death benefit can turn to us for experienced legal help in disputing the claim.

Insurance companies often deny claims by relying on technicalities, misinterpreting policy exclusions, or using minor application mistakes against beneficiaries. However, New Mexico law strongly protects policyholders and beneficiaries, requiring insurers to act fairly and in good faith. We offer free consultations and charge no fees unless we recover money for you.

Understanding the Contestability Period in New Mexico Life Insurance Policies

In New Mexico, life insurance policies generally include a two-year contestability period. During this time, insurers may investigate and deny claims based on material misrepresentations made during the application process. Once the two years expire, insurers can only deny claims if they can prove fraud.

Importantly, not every mistake on an application is a material misrepresentation. Under New Mexico law, only misstatements that would have affected the insurer’s decision to issue or price the policy can justify rescinding coverage. Honest mistakes, minor omissions, and unrelated inaccuracies are not sufficient grounds for denial.

If your claim has been denied based on contestability arguments, an experienced attorney can challenge whether the insurer’s actions were legally valid.

Common Reasons Life Insurance Claims Are Denied in New Mexico

Insurance companies often use familiar tactics to justify denying benefits. In New Mexico, common reasons for claim denial include:

Alleged Misrepresentation on the Application

Insurers claim that the insured failed to disclose significant health conditions, high-risk activities, or tobacco use.

Policy Lapse Due to Nonpayment

In New Mexico, many denied claims stem from alleged nonpayment, yet the policy lapse defense insurers use is often undermined by evidence of payment or lack of proper notice.

Exclusions for Specific Causes of Death

Deaths related to suicide during exclusion periods, hazardous hobbies, or illegal acts may be denied depending on policy wording.

Beneficiary Disputes

Conflicts between surviving spouses, children, or other potential beneficiaries often lead to claim delays or denials.

Employer Mistakes in Group Life Insurance

Errors made during enrollment or plan administration can wrongly strip families of life insurance coverage.

Delays Due to Death Investigations

When a death is under investigation, insurers may delay payments, but unreasonable delays can violate New Mexico's insurance laws.

Whatever explanation the insurer provides, many denials can be challenged under New Mexico law.

What to Do After a Life Insurance Denial in New Mexico

After a denial, taking swift and careful action can make a critical difference. You should:

• Request a complete copy of the insurance policy, including the application and all amendments.
• Review the denial letter carefully and document the reasons provided by the insurer.
• Preserve all correspondence with the insurer, including letters, emails, and notes from conversations.
• Avoid submitting additional statements or documents without consulting an attorney first.
• Contact a New Mexico life insurance attorney promptly to protect your rights and evaluate your legal options.

New Mexico law also provides strong remedies for bad faith conduct by insurance companies, including the possibility of additional damages.

How Our New Mexico Life Insurance Attorneys Handle Denied Claims

When you hire our firm, you gain a team focused exclusively on helping beneficiaries stand up to insurance companies. We will:

• Review your insurance policy, the application, and the insurer’s stated reasons for denial.
• Identify violations of New Mexico’s insurance laws and unfair claims practices.
• Challenge improper contestability rescissions, lapse defenses, and questionable exclusions.
• Handle all communications and negotiations with the insurance company directly.
• File administrative appeals when necessary for group life insurance claims governed by ERISA.
• Initiate litigation in New Mexico courts when insurers refuse to pay rightful benefits.
• Pursue additional damages if the insurer’s conduct rises to the level of bad faith.

Our priority is to recover the full life insurance benefits you were promised, and to hold insurance companies accountable when they act unfairly.

Federal life insurance claims under FEGLI and SGLI are often denied due to technicalities, incomplete records, or misapplied policy rules. We represent New Mexico families in challenging denied Servicemembers’ Group Life Insurance benefits and recovering payouts from denied Federal Employees’ Group Life Insurance claims.

When life insurance is provided through a private employer, it is typically governed by ERISA. Our firm helps New Mexico clients navigate denied ERISA life insurance claims, ensuring that appeal procedures are properly followed to pursue the benefits they deserve.

New Mexico Denied Life Insurance Claims: Answers to Common Questions

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

You should immediately contact a New Mexico life insurance attorney. For example, we recently helped a family overturn a denial where the insurer wrongly cited a health history technicality.

How should I respond to a life insurance interpleader lawsuit in New Mexico?

If you're served with an interpleader, the insurer is asking the court to decide between competing claims. We handle all life insurance interpleader cases.

What happens if I’m involved in a life insurance beneficiary dispute in New Mexico?

Beneficiary disputes often arise between relatives, former spouses, or unexpected claimants. We recently resolved a heated dispute involving a contested late-stage beneficiary change.

Why are accidental death and dismemberment claims frequently denied in New Mexico?

Insurers often claim the death was caused by illness or alcohol rather than an accident. In NM, we challenged a denial and proved the insured’s fall qualified as accidental under the policy.

Can a lapse in premiums cause a denied life insurance claim in New Mexico?

Yes, but only if the insurer complied with New Mexico's strict lapse notice rules. We reinstated a policy for a Farmington client after showing no proper notice was ever sent.

Is misrepresentation a valid reason to deny a life insurance claim in New Mexico?

Only if it was material. We frequently challenge denials by showing that any errors like an undisclosed medical visits had no effect on the risk or claim.

Can a life insurance claim in New Mexico be denied because of an alcohol exclusion?

Yes, but the exclusion must clearly apply. In a recent denial we proved alcohol was not the cause of death and forced the insurer to pay.

What should I do if my ERISA life insurance claim was denied in New Mexico?

Since ERISA allows just one administrative appeal, you must act strategically. Our attorneys recently overturned an ERISA denial by assembling extensive medical and employment records.

What does the contestability period mean for New Mexico life insurance policies?

It refers to the first two years after issuance. During this window, claims can be denied for misstatements. We recently reversed a contestability denial in Gallup where the alleged error had no connection to the cause of death.

What if my claim denial letter cites New Mexico state law?

Don’t assume the insurer’s citation is accurate. In a Taos case, we successfully proved the insurer misapplied New Mexico statutes and secured the full benefit for our client.

Which life insurance companies deny the most claims in New Mexico?

New York Life and Knights of Columbus, both operating heavily in Albuquerque, are often cited in disputed claims. We take action against all insurers when they wrongfully withhold benefits.

How much does a New Mexico life insurance attorney cost?

Our New Mexico life insurance cases are handled on a contingency fee, you owe nothing unless we recover the payout.

Can a life insurance claim be denied in New Mexico for a death that occurred outside the country?

Yes, if the policy includes a valid foreign death exclusion. We recently reversed a denial in Hobbs after showing the insured's death abroad wasn’t excluded under policy terms.

What if a beneficiary change occurred shortly before the insured’s death in New Mexico?

We investigate all last-minute changes. In one matter, we successfully challenged a sudden change naming a distant acquaintance over the insured’s children.

Can New Mexico insurers deny an AD&D claim by saying the death was natural?

Yes, but we often disprove this tactic. We recently secured an AD&D payout in New Mexico by showing the death met the accidental definition despite insurer objections.

Can a New Mexico life insurance agent’s mistake result in a denial?

Yes, but the insurer can still be held accountable. We recently forced a reversal in Deming after uncovering application errors made solely by the agent.

Can contestability denials be appealed in New Mexico?

Absolutely. We overturned a denial in Carlsbad where the insurer cited a minor application omission that had no bearing on the death.

Are ERISA life insurance denials harder to challenge in New Mexico?

They involve stricter procedures, but we have extensive experience handling ERISA appeals and federal court litigation.

What happens if a life insurance policy in New Mexico has no named beneficiary?

The proceeds usually pass to the estate.

Can a suspicious beneficiary designation be disputed in New Mexico?

Yes. We recently helped heirs in Artesia challenge a change made during the insured’s final illness, showing it resulted from undue influence.

Are insurers in New Mexico required to give notice before canceling a policy?

Yes. Insurers must strictly comply with New Mexico notice laws. Failure to do so can result in the policy being deemed active despite claims of lapse.

What happens if more than one person claims the same life insurance policy in New Mexico?

The insurer may file an interpleader action. We represent clients in interpleader lawsuits.

What are the deadlines for appealing a denied life insurance claim in New Mexico?

ERISA appeals must usually be filed within 180 days. Other claims vary. We ensure every deadline is met precisely so you win.

Can vague language in a life insurance policy lead to denial in New Mexico?

It shouldn’t. Courts interpret ambiguous policy language in favor of the insured or beneficiary under New Mexico law. We leverage this rule aggressively.

Can a canceled or lapsed policy still pay out in New Mexico?

Yes, especially if the insurer failed to follow notice requirements or if the insured attempted reinstatement. We’ve revived many wrongly canceled policies.

What if a life insurance policy in New Mexico was canceled for non-payment?

We investigate whether required notices were given and if grace periods applied. Many non-payment cancellations are overturned with skilled legal action.

Can a New Mexico life insurance claim be denied based on fraud?

Yes. We vigorously challenge fraud allegations and we win.

Can life insurance disputes in New Mexico be resolved without going to court?

Yes. We settle the vast majority of cases without going to court, but we are fully ready to litigate aggressively when needed.

What if a beneficiary change form was never processed by the insurer in New Mexico?

If the form wasn’t properly accepted or recorded, the original beneficiary designation may still control or not. We litigate these disputes when necessary.

Are older life insurance policies still valid in New Mexico?

Yes. So long as the policy was active at death, it remains enforceable, even if it was issued decades earlier.

Contact us 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 15, 2025 | Contact 800-330-2274

Call us for a free consultation.

More New Mexico Cities We Serve
Farmington
Hobbs
Clovis
Carlsbad
Alamogordo
Gallup
Los Lunas
Sunland Park
Chaparral
Deming