Life Insurance Lawyer Manhattan NY
"Life Insurance Lawyers for Manhattan, NY – The Lassen Law Firm" In Manhattan, the bustling heart of New York City known for its iconic skyline, vibrant cultural scene, and fast-paced energy, navigating life insurance claims can still be a stressful and overwhelming process—especially when benefits are unfairly delayed or denied. At The Lassen Law Firm, we are dedicated to helping families and individuals in Manhattan secure the financial protection they deserve. Whether you’re near the dazzling Times Square, the serene Central Park, or anywhere across New York County, we provide trusted legal expertise and personalized care every step of the way. Our experienced and trusted New York life insurance lawyers are here to help.
With a proven nationwide record of recovering hundreds of millions in life insurance claims, The Lassen Law Firm delivers compassionate representation, relentless advocacy, and trusted results for Manhattan residents seeking justice in insurance disputes.
2025 Manhattan NY Denied Life Insurance Claims
- New York Life accidental death claim $415,000.00
- Manhattan Life intoxication exclusion $50,000.00
- American Equity material misrepresentation $77,000.00
- Freedom self-inflicted injury exclusion $150,000.00
- Manhattan life insurance claim $600,000.00
- Zurich beneficiary dispute granddaughter $800,000.00
- COVID-19 death Manhattan life claim denied $109,000.00
- Transamerica interpleader $1,155,000.00
Manhattan Denied Life Insurance Claims: Answers to Common Questions
What should I do if my life insurance claim was denied in Manhattan due to a misstatement on the application?
New York law requires the misstatement to be material and intentional. We recently helped a Manhattan family overturn a denial where the insurer exaggerated a minor omission unrelated to the cause of death.
Can a New York employer be held liable for a denied group life insurance claim in Manhattan?
Yes. In one Manhattan case, we recovered benefits after proving an employer mishandled an employee’s life insurance enrollment, leading to a wrongful denial under ERISA.
What happens if the policyholder died in Manhattan but the life insurance policy was issued in another state?
Claims can still be filed locally. We recently resolved a Manhattan claim involving a New Jersey-issued policy, navigating cross-state legal standards to secure the payout.
Can I challenge a life insurance beneficiary change made while the policyholder was hospitalized in Manhattan?
Absolutely. We invalidated a hospital bedside beneficiary change in Manhattan after showing the insured was under sedation and lacked mental capacity.
Is a handwritten life insurance beneficiary change valid in Manhattan?
It can be, if intent is clear. We successfully enforced a handwritten Manhattan beneficiary change after proving it met New York’s legal standards.
What if the beneficiary on a Manhattan life insurance policy died before the insured?
Without a contingent beneficiary, proceeds typically go to the estate. We helped a Manhattan family secure life insurance benefits through the New York Surrogate’s Court when no secondary designation existed.
Does New York’s “slayer rule” apply in Manhattan life insurance disputes?
Yes. We prevented a disqualified individual from collecting life insurance in Manhattan after they were implicated in the insured’s death under New York’s slayer statute.
Can I stop a fraudulent life insurance payout in Manhattan?
Yes. We obtained an emergency injunction in Manhattan Supreme Court to freeze a payout based on a forged beneficiary change until the dispute was resolved.
Is a will enough to override a life insurance policy in Manhattan?
No. Life insurance proceeds are controlled by the beneficiary form. In a Manhattan dispute, we defended a son’s right to collect even though the will named someone else.
Can a domestic partner collect life insurance in Manhattan if not legally married?
Only if named as the beneficiary. We defended a domestic partner’s rights in Manhattan when distant relatives tried to challenge the payout.
What if the Manhattan life insurance company denies a claim based on "foreign death" exclusions?
Exclusions must be clear. We recently forced a Manhattan insurer to pay after challenging vague foreign death language when a policyholder passed away abroad.
Can a stepchild in Manhattan collect life insurance if they weren’t named?
Not typically. However, we pursued an equitable claim in Manhattan where a financially dependent stepchild contested a late beneficiary change.
How long does it take to receive life insurance benefits in Manhattan?
Most valid claims are paid within 30–60 days. When a Manhattan insurer delayed beyond that window, we recovered not just the benefit, but interest penalties for bad faith handling.
Can marijuana use lead to a denied life insurance claim in Manhattan?
Only if marijuana caused the death and the policy excluded it. We overturned a denial in Manhattan where recreational use was wrongly cited without a causal link.
What should I do if the policyholder died in Manhattan before the first premium cleared?
Conditional receipts often create coverage. We recovered full benefits in a Manhattan case where the insured passed away days after applying but had made an initial payment.
Can minor children receive life insurance proceeds in Manhattan?
Yes, but guardianship may be required. We helped a Manhattan family set up a court-approved custodial account to protect a minor’s life insurance payout.
What if a Manhattan insurer says the policy lapsed due to non-payment?
New York law demands strict notice procedures before lapse. We reinstated a Manhattan policy after proving the insurer failed to provide proper lapse warnings.
Can I collect life insurance in Manhattan for a policy purchased online?
Yes. We enforced a Manhattan client’s rights under a fully digital life insurance policy after an insurer attempted to challenge its validity.
What if my Manhattan life insurance claim was denied for "pending toxicology"?
Insurers can’t delay indefinitely. We forced a payout in Manhattan when toxicology results were delayed and ultimately irrelevant to the cause of death.
Can a life insurance policy purchased decades ago still be claimed in Manhattan?
Yes. We recovered forgotten life insurance proceeds for a Manhattan family by tracing the funds through New York’s unclaimed property system decades later.
For more information on insurance regulations and consumer protections in New York, you can visit the New York State Department of Financial Services. Additionally, the National Association of Insurance Commissioners (NAIC) offers nationwide insurance resources.