Life Insurance Lawyer Roswell NM
"Life Insurance Lawyers for Roswell, NM – The Lassen Law Firm" In Roswell, a city famous for its intriguing history, vibrant community, and rich ties to Southwestern culture, navigating life insurance claims can still be a stressful and frustrating experience—especially when benefits are unfairly delayed or denied. At The Lassen Law Firm, we are dedicated to helping families and individuals in Roswell secure the financial protection they deserve. Whether you’re near the intriguing International UFO Museum, the picturesque Bottomless Lakes State Park, or anywhere across Chaves County, we provide trusted legal expertise and personalized care every step of the way. Our experienced and trusted New Mexico life insurance lawyers are here to help.
With a nationwide record of recovering hundreds of millions in life insurance claims, The Lassen Law Firm delivers compassionate representation, relentless advocacy, and trusted results for Roswell residents seeking justice in insurance disputes.
2025 Roswell NM Denied Life Insurance Claims
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Primerica accidental death claim $195,000.00
- Nationwide sickness exclusion $220,000.00
- Landmark coronavirus death claim $97,000.00
- Roswell New Mexico life insurance claim $60,000.00
- Transamerica felony exclusion claim $283,000.00
- Aflac beneficiary dispute $169,000.00
- Berkshire Life lapse of policy $38,000.00
- Lumico interpleader filed $275,000.00
- Farmers New World suicide exclusion $51,000.00
- Roswell NM accidental death & dismemberment $65,000.00
Roswell Denied Life Insurance Claims: Answers to Common Questions
Can a life insurance policy be voided in Roswell if the insured forgot to list a previous diagnosis?
Yes, but only if the omission was material. We recently overturned a Roswell denial where a decades-old asthma diagnosis, unrelated to the cause of death, was improperly used to void a policy.
After divorce, can a former spouse still collect life insurance in Roswell if the insured never changed the beneficiary?
Typically no. In one Roswell case, we defended a current spouse’s claim after showing the ex-spouse’s beneficiary rights were automatically revoked under New Mexico law.
Why would a life insurance company in Roswell file an interpleader lawsuit?
When beneficiaries conflict, insurers file interpleaders to let the court decide. We successfully resolved a Roswell dispute between a second wife and children from a prior marriage.
Can a policy lapse in Roswell if the insured missed just one payment while hospitalized?
Not automatically. We reinstated a Roswell policy after proving the insurer failed to send proper lapse notices while the insured was incapacitated in the hospital.
What happens if the listed life insurance beneficiary in Roswell died before the insured?
If no alternate was named, the funds go to the estate. We helped a Roswell family recover insurance proceeds through probate when the original beneficiary predeceased the insured.
Is alcohol use a valid reason for denial under a Roswell life insurance policy?
Only if the death was directly caused by intoxication. We defeated a Roswell denial where alcohol was present but unrelated to the cause of a fatal workplace accident.
Can a last-minute change in beneficiary be invalidated in Roswell if coercion is suspected?
Yes. We overturned a suspicious Roswell beneficiary change made days before death by proving undue influence exerted on the insured.
Are life insurance benefits community property in Roswell even if a different person is named as beneficiary?
Potentially. We secured half the proceeds for a Roswell widow by proving marital funds paid the policy premiums despite her not being the named beneficiary.
Can life insurance be paid to someone who forged the beneficiary designation in Roswell?
No. In a Roswell case, we exposed forgery through handwriting analysis and successfully reinstated the original beneficiary.
Can a life insurance company in Roswell delay payment indefinitely while “reviewing” a claim?
No. We sued a Roswell insurer for bad faith after they delayed payout for over six months without any legitimate explanation.
Is it legal in Roswell to name a friend or romantic partner as your life insurance beneficiary?
Yes. We defended a Roswell client’s right to name a long-time friend after the family contested the designation following an unexpected death.
Can life insurance proceeds be withheld in Roswell due to a suicide?
Only during the suicide exclusion period, usually the first two years. We secured benefits for a Roswell family after the insured’s death was misclassified as suicide outside the exclusion window.
Can stepchildren in Roswell inherit life insurance if not named as beneficiaries?
No. We defended a Roswell daughter’s claim against a stepchild who was not formally named, despite years of financial support.
What if an employer-based life insurance plan denied a claim in Roswell?
Group life insurance often falls under ERISA. We successfully appealed a Roswell ERISA-based denial where an employer failed to properly enroll the insured.
Can a handwritten note or will override a life insurance beneficiary designation in Roswell?
No. In a Roswell case, we preserved a beneficiary’s rights when the opposing party tried to use a will to override a properly filed insurance designation.
What should I do if a life insurance company in Roswell denies a claim due to “material misrepresentation”?
Demand specifics. We reversed a Roswell denial after proving that a minor omission about past allergies didn’t impact the insurer’s original approval.
Are there time limits in Roswell for filing a lawsuit over a denied life insurance claim?
Yes. You generally have six years under New Mexico law, but we recommend acting immediately—as we did for a Roswell client facing an approaching deadline.
Can life insurance funds be divided unequally among beneficiaries in Roswell?
Yes. We secured unequal distributions in Roswell where the insured clearly assigned different percentages among children and a surviving spouse.
Can a life insurance claim in Roswell be reopened if new evidence is found?
Absolutely. We reopened a Roswell claim after finding bank records that proved the insured paid premiums, forcing the insurer to reverse the original denial.
Can someone in Roswell receive life insurance proceeds if they were found responsible for the insured’s death?
No. Under New Mexico’s slayer statute, we barred a Roswell individual from collecting after criminal proceedings linked them to the insured’s death.
For more information on insurance regulations and consumer protections in New Mexico, you can visit the New Mexico Office of Superintendent of Insurance. Additionally, the National Association of Insurance Commissioners (NAIC) offers nationwide insurance resources.