Life Insurance Lawyer New York City NY
"Life Insurance Lawyers for New York City, NY – The Lassen Law Firm" In New York City, the world’s most iconic metropolis known for its unmatched energy, cultural diversity, and landmarks like the Statue of Liberty and Central Park, navigating life insurance claims can still be a daunting and overwhelming task—especially when benefits are unfairly delayed or denied. At The Lassen Law Firm, we are devoted to helping families and individuals in New York City secure the financial protection they deserve. Whether you’re in the lively borough of Manhattan, the vibrant streets of Brooklyn, or anywhere across the city’s five boroughs, we provide trusted legal expertise and personalized guidance every step of the way. Our experienced and trusted New York life insurance lawyers are here to help.
With a nationwide reputation for recovering hundreds of millions in life insurance claims, The Lassen Law Firm delivers compassionate advocacy, relentless representation, and trusted results for New York City residents seeking justice in insurance disputes.
2025 NYC Denied Life Insurance Claims
- MassMutual accidental death claim $525,000.00
- Bankers Life COVID 19 death denial $103,000.00
- Interpleader Lawsuit in New York $1,000,000.00
- Manhattan denied life insurance claim $506,000.00
- Genworth delay of benefits $390,000.00
- AD&D claim denied New York City $750,000.00
- Brooklyn denial of life benefits $301,000.00
- HSBC suicide exclusion $450,000.00
- New York City life insurance claim $500,000.00
- Bronx life insurance denial $208,000.00
- Zander beneficiary dispute $306,000.00
- All American drunk driving denied claim $51,000.00
- Ohio National interpleader $152,000.00
New York City Denied Life Insurance Claims: Answers to Common Questions
What should I do if my life insurance claim in New York City was denied for “material misrepresentation”?
New York law requires that misstatements be intentional and material. We recently overturned a NYC denial where the insurer exaggerated the importance of a minor medical history omission unrelated to the death.
Can I file a life insurance lawsuit in New York City if the insurer won’t respond to my claim?
Yes. We sued a NYC insurer that ignored a valid claim for months, recovering both the benefit and additional penalties for bad faith under New York insurance law.
Can an NYC employer be held responsible if they failed to activate a group life insurance policy?
Absolutely. In one Manhattan case, we recovered full benefits after showing the employer deducted premiums but failed to complete the employee’s enrollment paperwork.
What happens if the policyholder died in NYC but the policy was issued in another state?
You can still file locally. We handled a Brooklyn case where a Florida-issued policy was paid through New York courts after jurisdiction and policy law were successfully clarified.
What if the NYC life insurance policy was canceled due to an address or bank change?
Proper notice is legally required. We reinstated a policy for a Queens family after proving the insurer mailed lapse warnings to an outdated address without attempting proper follow-up.
Can a domestic partner collect life insurance in NYC without legal marriage?
Yes, if named. We defended a domestic partner's right to proceeds in the Bronx after distant relatives challenged the validity of their beneficiary status.
Can I stop a fraudulent life insurance payout in New York City?
Yes. We secured a temporary restraining order in New York County to freeze a life insurance payout after uncovering evidence of a forged beneficiary form.
Is a handwritten life insurance beneficiary change form valid in NYC?
It can be. We recently enforced a handwritten beneficiary change in Staten Island after demonstrating that the insured's clear intent was documented and legally sufficient.
What if the NYC life insurance policy lists a beneficiary who died before the insured?
If no contingent is named, the benefit defaults to the estate. We guided a Harlem family through Surrogate’s Court to claim proceeds when no living beneficiary remained.
Does the New York “slayer rule” bar a beneficiary from collecting in NYC?
Yes. We successfully disqualified a named beneficiary in Brooklyn under New York’s slayer statute after criminal charges were filed in the insured's death.
Can a will override a life insurance policy in NYC?
No. Life insurance pays based on the beneficiary designation, not the will. We defended a named son's right to collect despite a conflicting will favoring a different heir.
How long does it take to receive a life insurance payout in NYC?
Typically 30–60 days. We recovered penalties and interest for a Queens widow when the insurer delayed her payment beyond the statutory timeframe.
What if the policyholder in NYC died during a medical procedure—will life insurance still pay?
Standard policies cover surgical deaths. We fought off a wrongful denial in Manhattan where the insurer claimed a routine procedure invalidated basic life coverage.
Can marijuana use affect life insurance payouts in New York City?
Only if marijuana caused the death and was clearly excluded. We defeated a denial in NYC where the insurer cited marijuana use despite no evidence it contributed to the cause of death.
Can minor children receive life insurance benefits in NYC?
Yes, but through a guardian or trust. We helped a Bronx family set up a custodial account to safeguard life insurance proceeds for a minor child beneficiary.
Can I claim life insurance in NYC if the policyholder died overseas?
Yes, unless a clear foreign death exclusion applies. We recovered benefits for a Queens family after a loved one died abroad and the insurer tried to stall payment.
What if the policy in NYC was purchased online and no hard copy exists?
Digital policies are valid. We enforced a Brooklyn client’s life insurance rights despite the insurer claiming the online application was "incomplete" due to lack of paper signatures.
Is it legal for the NYC life insurance company to delay payment due to a “pending toxicology” report?
Insurers must act promptly. We forced a payout in Manhattan when toxicology delays dragged on beyond what New York insurance regulations allow.
Can I recover interest on a delayed life insurance payout in New York City?
Yes. We recovered both the payout and statutory interest for a Bronx client after an insurer delayed payment without proper justification.
What if the NYC insurer says the policy lapsed while the policyholder was in the hospital?
New York law mandates grace periods and notice. We reinstated coverage in Queens after proving the insurer failed to send proper lapse notices during the insured’s hospitalization.
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.