Life Insurance Lawyer Kenosha Wi
"Life Insurance Lawyers for Kenosha, WI – The Lassen Law Firm" In Kenosha, a charming city nestled along the shores of Lake Michigan, renowned for its historic character, scenic waterfront, and close-knit community, navigating life insurance claims can still be a frustrating and overwhelming experience—especially when benefits are unfairly delayed or denied. At The Lassen Law Firm, we are dedicated to helping families and individuals in Kenosha secure the financial peace of mind they deserve. Whether you’re near the vibrant Downtown area, the serene Kenosha Harbor, or anywhere across Kenosha County, we provide trusted legal expertise and personalized care every step of the way. Our experienced and trusted Wisconsin 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 advocacy, relentless representation, and trusted results for Kenosha residents seeking justice in insurance disputes.
2025 Kenosha Denied Life Insurance Claims
- Foresters Financial interpleader claim $85,000.00
- Great West coronavirus not known illness $104,000.00
- John Hancock High BAC alcohol exclusion $60,000.00
- Assurity interpled beneficiary dispute $113,000.00
- Prudential material misrepresentation heath history $25,000.00
- Oxford Life contestable period health records $67,000.00
- Kenosha denied life claim self-inflicted injury $68,000.00
- Western United heart attack not disclosed $53,000.00
- NTA Life smoking denial not disclosed on app $39,000.00
- Pekin Life lapse of policy missed payment $27,000.00
- ALFA Life intoxication exclusion resolved $51,000.00
- Prosperity Life misrepresentation application $12,000.00
- Columbian Mutual competing beneficiaries $73,000.00
- Wells Fargo lapse missed three payments $85,000.00
- TIAA CREF prescription drug exclusion $61,000.00
Questions About Life Insurance Claims in Kenosha, WI
Can a Kenosha life insurance claim be denied if the insured forgot to disclose a past hospitalization?
Only if the omission was intentional and material to the insurer’s risk decision. Minor past hospitalizations that had no impact on underwriting often cannot justify denial under Wisconsin law.
After divorce in Kenosha, does an ex-spouse automatically lose their right to life insurance proceeds?
Yes. Wisconsin law revokes an ex-spouse’s beneficiary status upon divorce unless reaffirmed later. However, ERISA-governed plans from employers may still pay the ex-spouse if the beneficiary designation wasn’t updated.
What happens if no beneficiary is named when a Kenosha life insurance policyholder passes away?
The proceeds typically become part of the insured’s estate and are distributed through Wisconsin’s probate process under intestacy laws.
Can death during a risky recreational activity like kiteboarding near Kenosha void life insurance coverage?
Only if the policy clearly excluded death from hazardous activities. Otherwise, vague or ambiguous exclusions are generally interpreted in favor of beneficiaries.
How do Kenosha insurers handle life insurance claims when the death occurred internationally?
They require a foreign death certificate, certified translations, and possibly a consular report. With proper documentation, they cannot simply deny based on location.
What if a forged beneficiary form is suspected in a Kenosha life insurance dispute?
Beneficiaries can challenge a suspected forgery with handwriting experts, witness testimony, and medical evidence of incapacity to void the fraudulent change.
Can a Kenosha insurer delay a life insurance payout indefinitely because of a “pending investigation”?
No. Wisconsin law requires insurers to pay claims within a reasonable period after receiving satisfactory proof of death. Unnecessary delays can trigger bad faith lawsuits.
Does minor illegal activity—like fishing without a license—at the time of death void a Kenosha life insurance claim?
Generally not. Coverage remains unless the illegal act directly caused the death and the policy specifically excludes such circumstances.
Example Case: Kenosha family fought denial blaming “undiagnosed condition” for fatal fall and won
An insurer tried to deny a claim, blaming an unknown medical condition. Evidence showed an accidental fall was the true cause of death, forcing full payment.
Can small clerical mistakes like a wrong middle initial void a Kenosha life insurance policy?
No. Minor administrative errors that don’t materially affect underwriting or risk acceptance are not grounds for denial under Wisconsin law.
How does ERISA impact Kenosha residents dealing with denied employer-provided life insurance claims?
ERISA requires strict administrative appeals—usually within 180 days—and limits federal court review to the insurer’s claim record, not new evidence.
What if a Kenosha employer collected premiums but failed to properly enroll the insured in a group policy?
The employer may be legally liable for the death benefit if their negligence caused the loss of intended coverage.
How fast should a Kenosha life insurance company pay after receiving all necessary documents?
Under Wisconsin law, insurers must pay within a reasonable time, generally within 30–60 days after complete proof of death is submitted.
Can life insurance benefits be denied in Kenosha if the death involved alcohol or drug use?
Possibly, but only if intoxication directly caused the death and the policy includes a clear exclusion for such situations.
Common Mistake: Kenosha beneficiaries miss formal appeal deadlines because they trust insurer negotiations
Insurers may string along communication. Beneficiaries must formally appeal in writing within 180 days under ERISA or risk losing their right to sue.
Can participation in an amateur motor sports event near Kenosha void life insurance coverage?
Only if the policy specifically excludes motorized races or dangerous activities. If exclusions are vague, beneficiaries usually have a strong case.
Can an experimental treatment complication cause life insurance denial in Kenosha?
Only if the policy clearly excludes deaths resulting from experimental procedures and a direct link to the cause of death is proven.
Can a suspected slayer beneficiary in Kenosha collect life insurance without criminal conviction?
No. Wisconsin’s slayer statute bars any beneficiary proven by a civil court to have unlawfully and intentionally caused the insured’s death.
How are "undetermined" causes of death treated in Kenosha life insurance claims?
An undetermined cause doesn’t automatically void a claim. Supplementary evidence like medical expert testimony and forensic reports can establish compensable cause.
How long do Kenosha families have to sue after a life insurance denial?
Wisconsin allows up to six years for breach of contract lawsuits, but ERISA policies often require lawsuits within one year after final administrative denial—making early action essential.
For more information on insurance regulations and consumer protections in Wisconsin, you can visit the Wisconsin Office of the Commissioner of Insurance. Additionally, the National Association of Insurance Commissioners (NAIC) offers nationwide insurance resources.