Life Insurance Lawyer Columbus Oh
"Life Insurance Lawyers for Columbus, OH – The Lassen Law Firm" In Columbus, a thriving city celebrated for its vibrant arts scene, historic neighborhoods, and welcoming community, navigating life insurance claims can still be a difficult 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 Columbus secure the financial protection they deserve. Whether you’re near the bustling Short North Arts District, the scenic Scioto Mile, or anywhere across Franklin County, we provide trusted legal expertise and personalized care every step of the way. Our experienced and trusted Ohio 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 Columbus residents seeking justice in insurance disputes.
2025 Columbus Ohio Denied Life Insurance Claims
- AARP interpleader $340,000.00
- Monumental felony gun exclusion $350,000.00
- Columbus Ohio life insurance claim $104,000.00
- Stonebridge Life delay of claim $300,000.00
- TIAA beneficiary dispute $235,000.00
Columbus Denied Life Insurance Claims: Answers to Common Questions
Can a Columbus life insurance claim be denied if the insured failed to disclose prior heart surgery?
Yes, particularly during the contestability period (usually the first two years). We recently helped a Columbus family challenge a claim denial where the insurer relied on a past surgery that wasn’t related to the cause of death, resulting in a successful payout.
Is a former spouse automatically removed as beneficiary after divorce in Columbus?
Yes, unless the insured reaffirmed the beneficiary designation after the divorce. In one case, we helped a Columbus client recover benefits when an ex-spouse was mistakenly paid due to failure to update the policy post-divorce.
What is an interpleader lawsuit, and why might one occur in a Columbus life insurance claim?
An interpleader is filed when multiple parties lay claim to the same payout. We represented a Columbus beneficiary in an interpleader case where a former spouse and a new partner both made claims. The court determined the rightful recipient, securing our client’s benefits.
Can a policy lapse be contested in Columbus if the insured never received a warning letter?
Yes, Ohio law requires insurers to provide proper notice before canceling a policy. We recently reinstated a Columbus policy after proving that the insurer failed to notify the insured of their missed premium.
What happens if the insured died during a skydiving accident that wasn’t disclosed on their Columbus policy application?
If the policy excludes high-risk activities like skydiving and it wasn’t disclosed, the insurer may deny the claim. We successfully challenged a Columbus claim denial by arguing that the insured regularly participated in these activities and the insurer failed to properly assess the risk.
Can a claim be denied in Columbus due to alleged fraud by the beneficiary?
Yes, if the insurer believes the beneficiary submitted false information. In one Columbus case, we successfully defended a beneficiary by disproving allegations of fraud and securing the rightful payout.
What happens if a Columbus beneficiary is accused of involvement in the insured’s death?
Under Ohio’s slayer statute, a person found responsible for the death of the insured is barred from receiving the benefits. We represented a family member in Columbus who was unfairly accused, and we successfully helped them secure the benefits after proving the allegations were unfounded.
Can a life insurance claim in Columbus be denied if the insured died abroad?
Yes, if the policy contains a foreign death exclusion. However, in a case we handled, we helped a Columbus beneficiary challenge a denial when the insurer failed to accept the foreign death certificate despite the policy not having a valid exclusion.
What should I do if a Columbus life insurance company says the policy ended before death?
You should first verify the lapse date and ensure all payments were made. We helped a Columbus client win a case where the insurer incorrectly claimed the policy had lapsed due to an administrative error and a missed notification.
Can a claim be denied in Columbus based on drug use, even if it wasn’t the direct cause of death?
Yes, if the policy includes exclusions for illegal drug use. We contested a Columbus denial where the insured’s death was unrelated to drug use, and we successfully secured the payout after proving the exclusion didn’t apply.
How can ERISA affect a Columbus life insurance claim involving a divorce?
ERISA governs many employer-sponsored policies and may allow an ex-spouse to remain the beneficiary. In a case we handled, an ex-spouse was entitled to benefits under an ERISA policy, despite state law requiring revocation post-divorce.
Can a Columbus life insurance claim be denied because of an experimental medical procedure?
It can, depending on the policy’s exclusion for investigational treatments. In a recent Columbus case, we helped a widow recover benefits after the insurer denied her claim based on an experimental procedure, arguing it was part of standard care.
What if the insurer claims the application included inconsistent medical information in Columbus?
We’ve handled cases where insurers denied claims based on minor clerical errors. In Columbus, we overturned a denial by showing that the discrepancies were not intentional and did not affect the decision to issue the policy.
Can a life insurance claim in Columbus be denied due to a vague or poorly defined exclusion clause?
Yes, but Ohio courts usually interpret ambiguous policy language in favor of the policyholder. We won a case in Columbus where an insurer tried to deny benefits based on an unclear exclusion clause related to “unusual causes of death.”
What if the life insurance claim was denied in Columbus because of “suspicious” circumstances surrounding the death?
If the insurer cannot establish fraud or exclusion, the claim must be paid. In one Columbus case, we successfully fought a denial based on the insurer’s suspicion of suicide, proving the cause of death was accidental.
Can participation in extreme hobbies lead to a denial in Columbus if not previously disclosed?
Yes, if these activities pose material risks and the policy explicitly asks about them. In Columbus, we helped a beneficiary successfully challenge a denial where BASE jumping was a factor, but the insurer failed to adequately assess the risk when premiums were accepted.
What happens if the insurer says the insured committed insurance fraud in Columbus?
Insurance fraud is a serious allegation. In a recent Columbus case, we overturned a fraud-based denial when the insurer failed to prove intentional misrepresentation by the insured.
Can the death of the insured during a felony or while fleeing police void the policy in Columbus?
Some policies have exclusions for deaths during illegal activities. In Columbus, we contested a denial where the insured was fleeing from police, and the court ruled that the death did not fall under the policy’s exclusion.
What if the insurer says required claim documents were missing in Columbus?
Missing or incomplete documents can often be resolved with additional submissions. We successfully reopened a Columbus claim when the insurer denied it based on missing paperwork that we quickly provided.
Can a beneficiary designation be overturned in Columbus if the form was allegedly forged?
Yes. In a Columbus case, we challenged a forged beneficiary designation and successfully proved the fraud, resulting in the reinstatement of the rightful beneficiary.
For more information on insurance regulations and consumer protections in Ohio, you can visit the Ohio Department of Insurance. Additionally, the National Association of Insurance Commissioners (NAIC) offers nationwide insurance resources.