Life Insurance Lawyer Charleston SC
"Life Insurance Lawyers for Charleston, SC – The Lassen Law Firm" In Charleston, a city admired for its historic charm, cobblestone streets, and vibrant Southern hospitality, navigating life insurance claims can still be a daunting and overwhelming process—especially when benefits are unfairly delayed or denied. At The Lassen Law Firm, we are committed to helping families and individuals in Charleston secure the financial peace of mind they deserve. Whether you’re near the lively Historic District, the serene Waterfront Park, or anywhere across Charleston County, we provide trusted legal expertise and personalized care every step of the way. Our experienced and trusted South Carolina life insurance lawyers are here to help.
With a proven nationwide track record of recovering hundreds of millions in life insurance claims, The Lassen Law Firm delivers compassionate advocacy, relentless representation, and trusted results for Charleston residents seeking justice in insurance disputes.
2025 Charleston SC Denied Life Insurance Claims
- Globe interpleader case $10,000.00
- ING felony exclusion $25,000.00
- The Hartford beneficiary dispute $260,000.00
- Northwestern Mutual delay $900,000.00
- Charleston SC life insurance claim $150,000.00
Questions About Life Insurance Claims in Charleston
What do I do if my life insurance claim in Charleston was denied?
If your life insurance claim in Charleston was denied, it’s essential to consult with an experienced Charleston life insurance lawyer. A skilled attorney can evaluate the circumstances, help you understand the denial reasons, and guide you through the appeals process to recover the benefits you're entitled to.
What do I do if I was served with a life insurance interpleader lawsuit in Charleston?
If you’ve been served with a life insurance interpleader lawsuit in Charleston, immediate legal representation is crucial. A top Charleston life insurance attorney will help protect your interests, navigate the complexities of the lawsuit, and ensure you don’t jeopardize your chances of receiving the benefit.
What do I do if I have a life insurance beneficiary dispute in Charleston?
If you’re involved in a life insurance beneficiary dispute in Charleston, our law firm can assist you in resolving the issue. Whether you’re challenging a designation or defending your rights to the death benefit, we will provide strong legal representation to protect your interests.
Why would an accidental death & dismemberment life insurance claim in Charleston be denied?
An AD&D life insurance claim in Charleston may be denied if the cause of death was not an accident, but rather a medical condition. Another common reason for denial is if alcohol was involved, as many AD&D policies exclude alcohol-related deaths. An attorney can help challenge the insurer's decision if the denial was unjustified.
What do I do about a bad faith ERISA life insurance denial of death benefits in Charleston?
If your ERISA life insurance claim has been denied in bad faith, acting quickly is crucial since you only have one appeal. Our experienced attorneys can help you resolve the issue and ensure you get the death benefits you are entitled to under both federal and state laws.
How can I appeal a life insurance claim denial in Charleston?
If your life insurance claim was denied, you generally have the right to appeal. A skilled Charleston attorney can assist with filing the appeal, ensuring all necessary documentation is included and the appeal is made within the time frame to give you the best chance of success.
What should I do if the life insurance company says my claim is under review in Charleston?
If your life insurance claim is under review, it’s important to understand the reasons for the delay. Legal counsel can help you investigate the issue, gather necessary supporting evidence, and push for a resolution. A prolonged review period could be a sign of bad faith.
Can life insurance claims in Charleston be delayed due to missing documentation?
Yes, life insurance claims can be temporarily delayed if required documents are missing. However, once the necessary documents are submitted, the insurer is obligated to process the claim in a timely manner. Legal action can be taken if the insurer unnecessarily delays the payment.
What if the insurer accuses me of misrepresenting information on my life insurance application in Charleston?
If the insurer accuses you of misrepresentation, they must prove the misstatement was intentional and material to the policy’s underwriting decision. Minor mistakes or unclear questions on the application may not be enough to justify a denial. Legal representation can help protect your rights and potentially reverse the denial.
What can I do if the life insurance company in Charleston says the insured lied on their application?
If the insurer claims fraud or misrepresentation, they must show that the false information significantly impacted the underwriting decision. If the misinformation is minor or unrelated to the cause of death, legal action may be necessary to challenge the insurer’s decision.
Can I contest a life insurance beneficiary change in Charleston if it was made under suspicious circumstances?
Yes, if the beneficiary change occurred under suspicious circumstances—such as when the insured was mentally incapacitated or under undue pressure—it may be contested in court. Evidence of coercion, lack of capacity, or fraud can help restore the previous beneficiary.
How does South Carolina’s slayer statute affect life insurance claims in Charleston?
Under South Carolina’s slayer statute, a beneficiary who caused the insured’s death unlawfully and intentionally can be barred from receiving the death benefit. Even without a criminal conviction, a civil court may rule the beneficiary ineligible based on a lower burden of proof.
What if the insured died while engaging in a high-risk activity like skydiving in Charleston?
If the policy specifically excludes high-risk activities like skydiving, and the insured failed to disclose this information, the insurer may deny the claim. However, if the exclusion is unclear or the insurer continued coverage with knowledge of the activity, a waiver argument could be used to challenge the denial.
Can a life insurance claim in Charleston be denied if the insured had an unapproved medical procedure?
Some life insurance policies exclude coverage for deaths caused by experimental or non-FDA-approved medical treatments. However, if the procedure was medically necessary or there is no exclusion for such treatments, the denial can be contested.
What happens if the life insurance company in Charleston denies my claim based on an exclusion clause?
If your claim is denied based on an exclusion clause, the insurer must prove that the exclusion applies to the situation. If the exclusion is vague or not clearly outlined in the policy, the denial may be challenged in court.
How can I prove a life insurance policy exists in Charleston if I don’t have the original documents?
If you don’t have the original life insurance policy, you can gather evidence such as premium payment records, tax returns, or employer records. A Charleston life insurance lawyer can assist in recovering the benefits by proving the existence of the policy through alternative documentation.
Can life insurance claims in Charleston be delayed if the cause of death is under investigation?
Yes, life insurance claims can be delayed if the cause of death is still under investigation. However, once the cause is determined and no exclusions apply, the insurer is required to pay the claim. Legal assistance can help speed up the process by providing necessary documentation or expert testimony.
What do I do if the life insurance company in Charleston denies my claim because of a policy lapse?
If the policy lapsed and the insurer denies your claim, it’s important to check whether proper notice was given before the lapse. If the insurer did not follow proper procedures or failed to send the required notices, you may be able to reinstate the policy and recover the benefits.
How can I recover life insurance benefits in Charleston if my employer failed to inform me about my conversion rights?
If your employer failed to notify you about your conversion rights after leaving your job, you may be entitled to recover the benefits. A Charleston life insurance attorney can help you pursue a claim against the employer or insurer for failure to provide the necessary notice.
How long do I have to file a lawsuit for a denied life insurance claim in Charleston?
In South Carolina, the statute of limitations for breach of contract claims, including life insurance denials, is generally 3 years. However, if the policy is governed by ERISA, the timeline for filing may be much shorter, so it’s important to seek legal advice as soon as possible.
For more information on insurance regulations and consumer protections in South Carolina, you can visit the South Carolina Department of Insurance. Additionally, the National Association of Insurance Commissioners (NAIC) offers nationwide insurance resources.