Life Insurance Lawyer Virginia Beach VA
"Life Insurance Lawyers for Virginia Beach, VA – The Lassen Law Firm" In Virginia Beach, a vibrant coastal city celebrated for its stunning beaches, rich maritime history, and welcoming community, navigating life insurance claims can still be a challenging 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 Virginia Beach secure the financial peace of mind they deserve. Whether you’re near the lively Oceanfront district, the serene First Landing State Park, or anywhere across Virginia Beach City, we provide trusted legal expertise and personalized care every step of the way. Our experienced and trusted Virginia life insurance lawyers are here to help.
With a proven nationwide record of recovering hundreds of millions in life insurance claims, The Lassen Law Firm delivers compassionate representation, relentless advocacy, and trusted results for Virginia Beach residents seeking justice in insurance disputes.
2025 Virginia Beach Denied Life Insurance Claims
- Navy Mutual interpleader claim $105,000.00
- FEGLI competing beneficiaries resolved $139,000.00
- Puritan Life would not pay out as per contract $303,000.00
- AVMA Life said there was fraud on application $250,000.00
- Transamerica coronavirus death denial $33,000.00
- SGLI Navy won't honor the claim $400,000.00
- American Retirement wouldn't honor foreign death $511,000.00
- Pacific Life alcohol exclusion high BAC $121,000.00
- State Farm COVID 19 death denied $62,000.00
- American Family beneficiary dispute $107,000.00
- Lumico Life drug exclusion resolved by our lawyers $83,000.00
- North American Life beneficiary dispute $52,000.00
- Virginia Beach denied life insurance claim $430,000.00
- Zurich American refused to pay for many reasons $945,000.00
- NAVY SGLI wife contested old beneficiary $400,000.00
- New Era Life foreign death denial resolved $81,000.00
- Voya Financial Life smoking misrepresentation $104,000.00
- Garden State Life had multiple excuses not to pay $380,000.00
- NEA Life contesting a life insurance claim won $25,000.00
- American Family beneficiary designation dispute $153,000.00
- Iowa Farm Life material misrepresentation $107,000.00
- Colonial Penn Life divorce decree dispute $49,000.00
- American Income Life chronic illness exclusion $29,000.00
Questions About Life Insurance Claims in Virginia Beach
Can a Virginia Beach life insurance claim be denied if the insured didn’t disclose past counseling for depression?
It depends. If the counseling was routine and unrelated to the cause of death, denial could be challenged. Under Virginia law, insurers must prove that the omission was intentional and material to the risk.
After a divorce in Virginia Beach, does an ex-spouse automatically lose life insurance rights?
Yes. Virginia law revokes an ex-spouse’s beneficiary status unless reaffirmed after divorce. However, if the policy falls under ERISA (such as employer-provided insurance), the ex-spouse may still collect unless formally changed.
What happens if no valid beneficiary exists when a Virginia Beach insured dies?
If no living or named beneficiary exists, the life insurance proceeds pass to the insured’s estate and are distributed under Virginia’s probate process.
Can participating in parasailing or jet skiing near Virginia Beach void life insurance?
Only if the policy contains a specific exclusion for high-risk recreational activities. Without a clear exclusion, beneficiaries generally still have the right to claim.
How are life insurance claims handled in Virginia Beach if the insured died overseas?
You must provide a certified foreign death certificate, translations if needed, and sometimes consular reports. Proper documentation is key to forcing insurer action.
What if a forged beneficiary change is suspected in a Virginia Beach life insurance case?
Forgery can be proven through handwriting experts, witness accounts, and circumstantial evidence. Courts in Virginia can invalidate a fraudulent beneficiary change and restore the correct designation.
Can an insurer delay payment in Virginia Beach because a final autopsy report isn’t available yet?
Temporarily, yes. But once death is certified and enough proof is available, insurers must process the claim within reasonable time limits or face bad faith exposure.
What if the insured was engaged in minor illegal behavior, like boating violations, at the time of death in Virginia Beach?
Unless the policy specifically excludes deaths during illegal activity and the violation directly caused death, coverage typically remains valid.
Example Case: Virginia Beach accidental death payout after insurer claimed pre-existing illness
An insured drowned during a beach accident. The insurer initially denied, citing a heart condition. After expert medical review proved accidental cause, the family secured full AD&D benefits.
Can administrative errors like a typo on an application void a Virginia Beach life insurance policy?
No. Clerical mistakes or minor errors that don’t impact the insurer’s risk acceptance cannot justify denying benefits under Virginia law.
How does ERISA impact denied life insurance claims for Virginia Beach workers?
ERISA imposes strict administrative appeal deadlines—often 60 to 180 days—and limits lawsuits to reviewing the insurer’s claim file, not new evidence.
What if a Virginia Beach employer promised life insurance coverage but mishandled enrollment?
The employer could be held liable. Courts often find employers responsible if their administrative negligence prevented an employee from obtaining coverage.
How quickly must Virginia Beach life insurers pay after receiving proof of death?
Virginia law requires prompt payment, typically within 60 days. Unreasonable delays without valid cause could open the door to bad faith litigation.
Can death from intoxication void a Virginia Beach life insurance claim?
Possibly, but only if the policy contains a clear intoxication exclusion and the insurer proves intoxication was the direct cause of death—not just a contributing factor.
Mistake Example: Virginia Beach widow lost claim by waiting too long to appeal ERISA denial
After receiving a denial, she waited nearly a year to respond—well past the 180-day ERISA appeal window—losing her legal right to sue, despite a strong case.
Can a death during a private motorsport event affect life insurance payout in Virginia Beach?
Possibly, but insurers must prove the policy had a valid exclusion for motor sports or racing. Without a clearly written exclusion, many claims succeed.
Can participation in an experimental cancer trial void life insurance benefits in Virginia Beach?
Only if the policy had an explicit exclusion for experimental treatments and the experimental procedure caused the death. Otherwise, courts tend to side with the beneficiary.
Can a beneficiary suspected of wrongdoing still collect life insurance benefits in Virginia Beach?
Not if the Virginia slayer statute applies. Even without criminal conviction, a civil court can bar the beneficiary if they unlawfully and intentionally caused the insured’s death.
How are "undetermined" causes of death handled in Virginia Beach life insurance claims?
"Undetermined" cause delays claims but doesn't end them. Further evidence like medical records and expert testimony can clarify the cause and push the claim through.
How long does a Virginia Beach beneficiary have to sue after a life insurance claim is denied?
Virginia’s statute of limitations for breach of contract is typically five years. However, ERISA-governed policies often require lawsuits much faster, sometimes within one year after final denial.
For more information on insurance regulations and consumer protections in Virginia, you can visit the Virginia State Corporation Commission's Bureau of Insurance. Additionally, the National Association of Insurance Commissioners (NAIC) offers nationwide insurance resources.