Life Insurance Lawyer Philadelphia PA

"Life Insurance Lawyers for Philadelphia, PA – The Lassen Law Firm" In Philadelphia, the historic "City of Brotherly Love," celebrated for its iconic landmarks, vibrant culture, and rich history as the birthplace of America, navigating life insurance claims can still be a frustrating and challenging process—especially when benefits are unfairly delayed or denied. At The Lassen Law Firm, we are dedicated to helping families and individuals in Philadelphia secure the financial protection they deserve. Whether you’re near the bustling Center City, the scenic Schuylkill River Trail, or anywhere across Philadelphia County, we provide trusted legal expertise and personalized care every step of the way. Our experienced and trusted Pennsylvania 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 Philadelphia residents seeking justice in insurance disputes.

2025 Philadelphia PA Denied Life Insurance Claims

MassMutual lawsuit interpleader case $506,000.00
Colorado Bankers Life intoxication exclusion $83,000.00
Inter-American wrong age on application $33,000.00
MCU Life COVID 19 death dispute resolved $210,000.00
Prudential beneficiary dispute $111,000.00
Starmount chronic illness rejection $39,000.00
Philadelphia car accident death alcohol exclusion $300,00.00
US Financial coronavirus fatality $98,000.00
Philadelphia PA denied life insurance claim $730,000.00
Gerber Life interpleader $90,000.00
Unum Life felony exclusion lawsuit $53,000.00
Philadelphia Pennsylvania life insurance claim $46,000.00
Choice Mutual contestable period $45,000.00
Lincoln Memorial wrong age on application $29,000.00
Philadelphia van accident fatality drug exclusion $29,000.00
Globe Life alcohol exclusion $100,000.00
SGLI dispute between two parties $400,000.00
Accidental Death & Dismemberment Philadelphia $54,000.00
American Income Life sickness exclusion $35,000.00

Philadelphia Denied Life Insurance Claims: Answers to Common Questions

How Do I Fight a Denied Life Insurance Claim in Philadelphia Based on a Pre-Existing Condition?

In Pennsylvania, insurers can only void a policy for nondisclosure if the misstatement was both material and fraudulent. For example, we recently helped a Philadelphia widow recover benefits after an insurer wrongfully denied a claim over a minor, unrelated health condition. If you face a similar situation, it's important to review the specific terms of the policy and challenge the denial if the condition was unrelated to the cause of death.

What Should I Do If My Philadelphia Employer Never Finalized My Spouse’s Group Life Insurance Enrollment?

If an employer failed to complete enrollment paperwork, they may be liable under Pennsylvania or ERISA law. We recently secured life insurance proceeds in Philadelphia after uncovering an employer’s administrative error that left a family without coverage. In such cases, it's crucial to review the employer's responsibilities under both state and federal law and pursue legal action if necessary.

Is It Possible to Reverse a Life Insurance Beneficiary Change Made in a Philadelphia Nursing Home?

Yes. If the policyholder lacked capacity or was influenced by someone else, the change can be contested. We overturned a last-minute beneficiary change in a Philadelphia nursing home where undue influence was proven. If you suspect the change was made under pressure, legal action may be necessary to restore the original beneficiary.

Can a Life Insurance Policy in Philadelphia Be Reinstated After Lapsing Due to a Medical Emergency?

Possibly. Pennsylvania law requires insurers to provide clear cancellation notices. In a recent Philadelphia case, we successfully reinstated a policy after showing that a medical emergency caused missed premium payments and notice was inadequate. If this happens, it's important to gather evidence that supports the emergency and prove that the cancellation notice was not properly issued.

What Are My Options If the Philadelphia Insurer Is Ignoring My Life Insurance Claim?

You have the right to timely communication under Pennsylvania law. When a Philadelphia insurer stalled for months, we filed a bad faith action and recovered both the death benefit and additional penalties. If your claim is being ignored, consider filing a bad faith lawsuit or contacting the Pennsylvania Department of Insurance for assistance.

Does a Handwritten Note Changing a Life Insurance Beneficiary Count in Pennsylvania?

Sometimes. If the handwritten note clearly shows intent and meets legal standards, it may be valid. In one Philadelphia case, we forced an insurer to honor a handwritten beneficiary change made shortly before death. If you find yourself in this situation, it's important to ensure the note follows legal requirements and clearly expresses the policyholder's intent.

Can I Challenge a Life Insurance Payment Sent to the Wrong Person in Philadelphia?

Yes. If the insurer misdirected the payout due to paperwork errors, you can recover the funds. We successfully petitioned a Philadelphia court to reroute a mistakenly paid life insurance benefit to the rightful heir. In these cases, you may need to prove that the payment was made to the wrong person and initiate legal proceedings to correct the error.

How Do I Claim Life Insurance in Philadelphia When the Policyholder Died Overseas?

You'll likely need a certified translation of the death certificate and supporting documents. In a Philadelphia case, we authenticated foreign records and ensured the family received the life insurance payout without unnecessary delays. If the insured passed away abroad, it's important to work with legal professionals to ensure that all necessary documents are in order.

Can I Sue a Philadelphia-Based Insurer for Delaying Life Insurance Payment Pending Toxicology Results?

Yes, if the delay is unreasonable. Pennsylvania law limits how long an insurer can stall. We forced a payout in a Philadelphia case after insurers tried to delay for months pending unnecessary toxicology reports. If you encounter unreasonable delays, consider taking legal action to ensure timely payment of the claim.

What Should I Do If I Discover a Life Insurance Policy After the Estate Was Settled in Philadelphia?

You may be able to reopen the probate estate or file a special petition. We successfully helped a Philadelphia client claim life insurance proceeds discovered months after estate closure. In such cases, it's crucial to contact an attorney to determine whether reopening the estate or filing a petition is the best course of action.

Can a Same-Sex Partner Collect Life Insurance in Philadelphia Without Being Married?

Yes. In Pennsylvania, the named beneficiary receives the payout, regardless of marital status. We recently defended a same-sex partner’s beneficiary rights against a family challenge in Philadelphia. If your partner is named as the beneficiary, they are entitled to the benefit, regardless of whether you are married.

Can Minor Children in Philadelphia Directly Receive Life Insurance Proceeds?

No. Funds must be managed by a guardian or placed into a custodial account. We help Philadelphia families set up court-approved structures to protect minor beneficiaries. If you are seeking to have life insurance proceeds distributed to a minor child, it's essential to set up appropriate legal guardianship or custodial arrangements.

Can a Stepchild Collect Life Insurance in Philadelphia Based on a Verbal Promise?

Not unless the stepchild is named in the policy. However, we have successfully pursued equitable remedies in Philadelphia where strong evidence of the insured’s intent was presented. If a stepchild was verbally promised benefits, but not named on the policy, legal avenues like equitable claims may be pursued.

Is It Common for Philadelphia Life Insurance Claims to Be Denied Due to Surgical Complications?

Yes, especially under accidental death policies. We recently overturned a Philadelphia denial by showing that surgical complications fell under accidental coverage, not a medical exclusion. If a claim is denied for surgical complications, it may be possible to challenge the denial if the circumstances align with the policy’s coverage terms.

Can I Enforce a Digital Life Insurance Policy in Philadelphia If the Insurer Claims Lack of Paperwork?

Yes. Pennsylvania law recognizes electronic life insurance policies. We forced a Philadelphia insurer to pay after they tried to deny a claim based solely on missing original paper documents. If the insurer attempts to deny a digital policy, you may still be able to enforce the claim by presenting digital records and proof of coverage.

How Long Does It Typically Take to Receive Life Insurance Proceeds After Approval in Philadelphia?

Most insurers pay within a few weeks of claim approval. If delays exceed that, we file legal demands—like we did for a Philadelphia client who recovered interest for the insurer’s excessive delay. If your claim is approved but payment is delayed, consider taking legal action to recover any additional losses caused by the delay.

What If the Philadelphia Insurer Claims the Policy Was Never Issued, but I Have Proof of Payments?

If you can show payment records, it can prove policy existence. We recently pressured a Philadelphia insurer to honor a policy after uncovering a trail of premium payments despite their denials. If an insurer claims a policy wasn’t issued but you have proof of payments, it’s important to pursue legal action to ensure the policy is honored.

Can Marijuana Use Disqualify a Life Insurance Claim in Philadelphia?

Only if marijuana use directly caused the death and the policy clearly excludes it. Given Pennsylvania’s evolving marijuana laws, we challenge outdated exclusions regularly in Philadelphia life insurance cases. If marijuana use is involved, it’s essential to review the policy terms and any exclusions to determine if they apply to the specific case.

How Can I Block a Fraudulent Life Insurance Claim From Being Paid in Philadelphia?

You can file an emergency injunction in the Philadelphia Court of Common Pleas. We recently blocked a fraudulent claim where a forged beneficiary form was submitted. If you suspect fraud, acting quickly to file an injunction can help prevent the fraudulent payout from being processed.

What Should I Do If I Suspect a Philadelphia Life Insurance Company Acted in Bad Faith?

You can file a complaint with the Pennsylvania Department of Insurance and pursue a bad faith lawsuit. We successfully obtained punitive damages in a Philadelphia case involving a wrongful denial and intentional delays. If you suspect bad faith, consider filing a complaint and seeking legal representation to pursue further action.

For more information on insurance regulations and consumer protections in Pennsylvania, you can visit the Pennsylvania Insurance Department. Additionally, the National Association of Insurance Commissioners (NAIC) offers nationwide insurance resources.