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Experienced Life Insurance Lawyers Serving Every State

Lawyers Serving Every State

The Lassen Law Firm is a national practice focused exclusively on life insurance disputes. With over 25 years of experience and hundreds of millions recovered for clients, we represent beneficiaries in all 50 states. Whether your case involves misrepresentation, interpleader litigation, ERISA group policies, or disputes after divorce, we know how to win life insurance claims under your state’s laws. You pay nothing unless we recover money for you.

Denied a life insurance claim? Your state's laws may determine the outcome. Rules about beneficiary disputes, interpleader lawsuits, community property, divorce, and employer-provided policies vary widely from state to state. Some states revoke ex-spouses after divorce, others don’t. Some follow community property laws that give a spouse rights to the policy, even if they’re not named. And if the policy is through a job, federal ERISA law may override local rules altogether.

We handle denied life insurance claims in all 50 states. Click your state below to learn how we can help you recover the full payout.

Written & Reviewed by Christian Lassen, Esq., Nationally recognized life insurance lawyer: 25 years experience, hundreds of millions recovered. Quoted in The Wall Street Journal ( May 17, 2025).

Last reviewed: June 8, 2025 | Contact 800-330-2274

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Life insurance disputes in the Northeast frequently involve contested beneficiary designations, particularly after divorce or separation. Insurers often initiate interpleader actions when multiple parties claim entitlement to the same policy benefits.
Midwestern cases often center on automatic revocation statutes and disagreements between relatives and designated beneficiaries. Interpleader filings are common when insurers face uncertainty about who is legally entitled to the proceeds.
The South sees a high volume of beneficiary conflicts tied to outdated policies or family disputes. Many cases lead to interpleader lawsuits, especially when surviving spouses and former partners assert competing claims.
In the West, beneficiary disputes often arise in blended families and policies with multiple revisions. Insurers regularly resort to interpleader lawsuits to avoid liability when beneficiaries are in conflict or court intervention is needed.

Why State Laws Matter in Denied Life Insurance Claims

Some of the most common reasons for denied claims like misrepresentation, policy lapse, or disputed beneficiaries, are heavily influenced by your state’s laws. In community property states, for example, a surviving spouse might still be entitled to benefits, even if a different person is listed as beneficiary. In other states, a divorce may automatically revoke an ex-spouse’s rights, unless the policy was updated to keep them.

Federal law, especially ERISA, also plays a role in employer-provided policies. We understand how to navigate both state and federal systems to recover benefits that insurers try to deny.

We’ve handled life insurance disputes in every region of the country. Whether your case involves an accidental death, missed premiums, a reinstatement issue, or a beneficiary change, we know how to fight back and win.

Why The Lassen Law Firm Is Different

Proven National Results
Representing clients coast to coast and recovering hundreds of millions in denied life insurance claims, we secure justice and peace of mind for families everywhere.
Recognized Expertise
Perfect 10.0 Avvo rating endorsed by over 1,700 attorneys; life member of the Multi-Million Dollar Advocates Forum; ranked among the top 1 percent of lawyers nationally for life insurance litigation.
Client-First Advocacy
No upfront fees: our contingency fee guarantee aligns our interests with yours; we provide personalized, compassionate representation from your initial consultation through resolution.
Media & Community Leadership
Quoted in The Wall Street Journal and featured in leading legal publications; frequent speaker at national conferences; dedicated to charitable efforts supporting pediatric cancer care.

Common Questions About Life Insurance Denials and State Laws

State laws often determine whether a beneficiary is valid, especially after divorce, remarriage, or when community property rules apply. Some states automatically revoke an ex-spouse’s rights, while others require an updated beneficiary form. These differences can result in denied or disputed life insurance claims.
When multiple people claim the same life insurance policy, insurers often file an interpleader lawsuit. Rather than deciding who should receive the money, the insurer deposits the funds with the court and lets the parties litigate. This commonly happens in disputes involving ex-spouses, stepchildren, or conflicting beneficiary forms.
You should contact an attorney right away. Insurers often delay or deny payment when there’s uncertainty, and strict legal deadlines apply. A life insurance lawyer can protect your rights and help you recover the full benefit—especially if you’re a surviving spouse, child, or named beneficiary facing a competing claim.
In certain states, especially community property states, a surviving spouse may have a legal claim to the life insurance proceeds—even if someone else is named as beneficiary. These cases often require legal action to enforce spousal rights.
Yes. If the life insurance policy was provided through an employer, ERISA—a federal law—may control the outcome. This can override state-specific rules about beneficiaries, divorce, or spousal rights. An experienced attorney can help navigate the interaction between state law and federal ERISA rules.

Do You Need a Life Insurance Lawyer?

Please contact us for a free legal review of your claim. Every submission is confidential and reviewed by an experienced life insurance attorney, not a call center or case manager. There is no fee unless we win.

We handle denied and delayed claims, beneficiary disputes, ERISA denials, interpleader lawsuits, and policy lapse cases.

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