Wyoming Life Insurance Lawyer

Life Insurance Lawyers Serving All 23 Wyoming Counties

Christian Lassen, Esq. | 25 Years Experience | Hundreds of Millions Recovered

If your life insurance claim was denied in Wyoming, you're not alone and you're not without options. At The Lassen Law Firm, we focus exclusively on life insurance litigation and have helped families throughout Wyoming recover millions in wrongfully denied death benefits. Whether your case involves a policy lapse, misrepresentation allegation, or a contested beneficiary change, we have the experience to challenge the denial and pursue the full payout.

Led by nationally recognized life insurance attorney Christian Lassen, quoted by The Wall Street Journal and rated 10.0 by AVVO, our firm serves clients in every region of Wyoming. We handle denied life insurance claims in all 23 counties, and we never charge a fee unless we recover for you.

Denied Life Insurance Claim in Wyoming? You’re Not Alone.

Families in Wyoming can face unexpected financial hardship when a life insurance provider refuses to pay out after a policyholder’s death. If you're dealing with a life insurance payout denial in Wyoming, The Lassen Law Firm is prepared to challenge the insurer’s decision and fight for the benefits you're rightfully owed.

In Wyoming, life insurance beneficiary disputes can surface when policy updates are made under pressure or when multiple family members believe they are entitled to the payout. If you're facing a life insurance beneficiary dispute in Wyoming, The Lassen Law Firm is ready to protect your interests and pursue the benefits you're rightfully owed.

In Wyoming, life insurance companies often respond to disputed claims by filing an interpleader action in Wyoming, asking the court to determine who should receive the policy benefits and relieving the insurer of further involvement.

Navigating life insurance claims in Wyoming can be challenging, especially when faced with denied benefits or bad faith insurance practices. At The Lassen Law Firm, we proudly assist individuals and families across the Equality State in recovering the payouts they deserve. We bring trusted legal expertise and personalized attention to every case.

With a nationwide presence, our experienced life insurance attorneys have successfully recovered hundreds of millions in policies for our clients. At The Lassen Law Firm, we combine dedication, legal expertise, and compassionate advocacy to ensure justice for every client we serve. Call now for a free consultation to see if we can help you recover your life insurance benefits. No obligation.

Unlike other firms, The Lassen Law Firm exclusively handles denied life insurance claims. With 25 years of experience in this niche, we are recognized as top experts in the field. Our lawyers have earned prestigious awards, including membership in the Multi-Million Dollar Advocates Forum and a 10.0 rating on AVVO. No other firm offers the same level of dedication and expertise in denied life insurance cases.

Life Insurance Claim Denied in Wyoming? We’re Ready to Help You Recover What You’re Owed

In Wyoming, many beneficiaries face wrongful denials, long delays, or incomplete benefit payments when they need help most. If your life insurance claim has been denied, our Wyoming life insurance attorneys are ready to fight for your rights and recover the full benefits you deserve. If your AD&D claim was denied in Wyoming, our firm is here to help you challenge the insurer and pursue justice for your loss.

Insurance companies in Wyoming must process claims fairly, promptly, and in good faith. When they fail to meet these obligations, beneficiaries have legal options to challenge denials, and in some cases, pursue additional damages for bad faith. We offer free consultations and only charge a fee if we successfully recover money for you.

Understanding Contestability Periods and Life Insurance Denials in Wyoming

Nearly all life insurance policies in Wyoming include a two-year contestability period. During this time, insurers may investigate and deny claims if they find material misrepresentations in the application process. After the two-year period expires, an insurer can generally only deny a claim if it can prove intentional fraud.

Wyoming law holds that only material misstatements, falsehoods that would have influenced the insurer’s decision to issue or price the policy, justify rescission. Honest mistakes, irrelevant omissions, or minor errors are not valid reasons to deny a claim after a loss.

If your claim has been denied based on contestability arguments, a Wyoming life insurance attorney can review the situation and fight back on your behalf.

Common Reasons Life Insurance Claims Are Denied in Wyoming

Although every case has unique details, insurance companies often rely on familiar reasons when denying claims. In Wyoming, common denial reasons include:

Allegations of Misrepresentation

Claims that the insured failed to disclose medical conditions, lifestyle risks, or tobacco use.

Policy Lapse for Nonpayment

Wyoming policyholders may lose coverage after an alleged lapse, but many life insurance lapse-related denials are the result of improper notice or insurer error rather than true nonpayment.

Exclusions for Certain Causes of Death

Deaths involving suicide (within applicable exclusion periods), criminal behavior, or hazardous hobbies may trigger policy exclusions.

Life Claim Beneficiary Challenges

Conflicts among family members or challenges to recent beneficiary designations can cause delays or prevent payouts.

Employer Errors with Group Life Insurance Policies

Mistakes during enrollment or plan management can wrongfully deprive families of expected benefits.

Delays Linked to Death Investigations

Although some delay may be necessary during investigations, excessive or unreasonable delays can violate Wyoming’s claims handling laws.

Even when insurers offer detailed denial letters, many life insurance denials are open to legal challenge and often overturned with the right representation.

Key Actions to Take After a Life Insurance Denial in Wyoming

Taking careful steps immediately after a denial can strengthen your position. You should:

• Request and preserve a full copy of the life insurance policy, application, and any endorsements or riders.
• Review the denial letter carefully and document the specific reasons cited by the insurer.
• Save all communications with the insurer, including letters, emails, and notes from conversations.
• Avoid providing new documents or making statements without speaking to a life insurance attorney first.

Contact a Wyoming life insurance lawyer quickly to review your claim and begin protecting your rights.

Wyoming law allows beneficiaries to seek additional compensation if insurers handle claims in bad faith or violate unfair claims practices rules.

How Our Wyoming Life Insurance Attorneys Handle Denied Claims

When you choose our firm, you gain a team dedicated exclusively to life insurance beneficiaries. We will:

• Review your policy, the insurer’s denial letter, and all related documents for errors and legal violations.
• Challenge improper contestability rescissions, lapse defenses, and exclusions.
• Handle all communications and negotiations with the insurance company so you can focus on your family.
• Prepare administrative appeals when necessary for group life insurance claims governed by ERISA.
• File lawsuits in Wyoming courts when insurers refuse to pay valid claims.
• Pursue additional damages where insurers have engaged in bad faith or unlawful practices under Wyoming law.

Our mission is to ensure that your family receives the full life insurance benefits your loved one intended and to hold insurers accountable for wrongdoing.

Life insurance policies issued through federal programs like FEGLI and SGLI are often denied for reasons that don’t hold up under legal scrutiny. We help Wyoming families contest denied government life insurance claims and recover denied benefits from Servicemembers’ Group Life Insurance and Federal Employees’ Group Life Insurance plans.

If your life insurance came from an employer-based plan, it may fall under ERISA law. Our firm represents Wyoming beneficiaries in challenging denied employee life insurance claims and navigating ERISA appeals to secure the coverage their loved one intended them to receive.

Wyoming Denied Life Insurance Claims: Answers to Common Questions

What should I do if my life insurance claim was denied in Wyoming?

Immediately speak with a Wyoming life insurance attorney. In a recent Cheyenne case, we helped a beneficiary recover a six-figure payout after a wrongful denial based on a disputed policy clause.

How do I respond to a life insurance interpleader lawsuit in Wyoming?

You need to respond through proper legal channels or risk losing your claim. We recently represented a client in Casper whose rights were preserved after a former spouse and a new partner both made competing claims.

Why do life insurance companies deny accidental death (AD&D) claims in Wyoming?

Insurers often argue that a death was caused by illness rather than accident. In a Jackson case, we successfully challenged an AD&D denial following a fatal ATV rollover the insurer tried to reclassify as a heart attack.

Can life insurance be denied in Wyoming for a policy lapse?

Yes, but only if the insurer followed all legal requirements. In Laramie, we forced reinstatement after proving the lapse notice was never properly sent to the policyholder.

Can misstatements on the application justify a claim denial?

Only if they are both material and intentional. We beat a denial in Rock Springs where the insurer cited a forgotten surgery that had nothing to do with the cause of death.

Are alcohol exclusions enforceable in Wyoming life insurance policies?

Only if the alcohol directly caused the death. In Gillette, we challenged a denial where alcohol was present but unrelated to the fatal fall.

What happens if a Wyoming ERISA life insurance claim is denied?

You get just one administrative appeal under ERISA. We overturned a denial for a Sheridan hospital employee by preparing a detailed appeal that included physician letters and legal arguments.

Can I fight a contestability period denial in Wyoming?

Yes. Insurers must prove actual fraud or material misrepresentation. We reversed a denial in Evanston involving a minor prescription error unrelated to the death.

What if the insurer cites Wyoming law as a reason for denial?

Insurers often misapply statutes. We reversed a denial in Cody where the insurer misused Wyoming's slayer statute in a case with no criminal charges involved.

Which life insurers most often deny claims in Wyoming?

We’ve handled denials involving Mutual of Omaha, Pacific Life, and Lincoln Financial in cities like Casper, Sheridan, and Riverton.

Does Wyoming law revoke ex-spouse beneficiary rights after divorce?

Yes. We helped a beneficiary in Green River secure her late husband's life insurance proceeds after the insurer wrongfully paid an ex-wife who had not been reaffirmed post-divorce.

Can a will override a life insurance policy in Wyoming?

No.

What if the insured died abroad?

Foreign death exclusions must be clearly stated. We helped a family in Cody recover benefits after a wrongful denial for a death that occurred during a mission trip to South America.

Can last-minute beneficiary changes be challenged in Wyoming?

Absolutely. In a Riverton case, we overturned a late beneficiary switch made just days before death while the insured was hospitalized and sedated.

What if the insurance company delays payment?

Excessive delay may constitute bad faith. In Cheyenne, we secured interest and damages after a 90-day delay with no explanation.

Is suicide always excluded under Wyoming life insurance?

Only during the first two years. In a Douglas case, we defeated a suicide exclusion defense raised on a policy that was active for over four years.

What if an insurance agent made an application error?

If the mistake was the agent’s, the insurer may still be liable. We won a Thermopolis case where the agent omitted key medical details the applicant disclosed.

Are union-sponsored or association policies different?

Yes, they often have their own rules. We appealed a denial under a Wyoming educators' union plan that had been wrongly rejected by the carrier.

What happens if no beneficiary is listed on the policy?

The funds typically go to the estate. We guided a Jackson probate court case where the deceased had not designated a beneficiary.

Can forged or suspicious beneficiary changes be contested in Wyoming?

Yes. We invalidated a forged change in Wheatland using handwriting analysis and witness affidavits.

What if the policy was canceled without proper notice?

Improper cancellation violates Wyoming law. We reinstated a policy in Casper where no final lapse notice was sent as required.

Can a minor be named as a life insurance beneficiary in Wyoming?

Yes, but a guardian must manage the funds. We helped a Sheridan family set up a custodial account to protect a minor’s $150,000 benefit.

What if multiple people claim the deceased promised them the benefit?

Only the written beneficiary designation controls. In Buffalo, we defended a listed beneficiary against several verbal claimants.

How long do I have to appeal a denial in Wyoming?

ERISA deadlines are usually 180 days; other policies vary. In Lander, we saved a claim by appealing just before the deadline expired.

Are life insurance proceeds protected from creditors in Wyoming?

Yes, if paid to a named beneficiary. If paid to the estate, creditors may access them.

Can vague life insurance policy terms be used to deny a claim?

No. Wyoming law requires ambiguous language to be interpreted in favor of the beneficiary. We cited this in a Rawlins case involving unclear AD&D definitions.

Can a previously denied life insurance claim be reopened in Wyoming?

Yes, especially if new evidence emerges. We reopened a Gillette case six months after denial and recovered full benefits with hospital records the insurer had overlooked.

What to Know About Life Insurance Claim Denials in Wyoming

Life insurance disputes in Wyoming often involve legal complexities that catch families off guard. Whether the claim is denied due to a supposed misrepresentation or a lapse in payment, we’ve helped beneficiaries from Cheyenne to Casper challenge unfair decisions. In one case out of Gillette, the insurer claimed a missed premium caused the policy to lapse, even though the address on file hadn’t been updated despite multiple notices from the policyholder. We were able to recover the full benefit by showing the lapse was due to the insurer’s own administrative error.

Wyoming is not a community property state, but that doesn’t prevent beneficiary disputes, especially after divorce. In cities like Laramie and Rock Springs, we’ve seen families confront policies that still named an ex-spouse as the beneficiary years after the marriage ended. While Wyoming law may revoke beneficiary designations automatically after divorce, federal policies such as those under ERISA or FEGLI aren’t bound by that rule. We routinely assist clients in navigating these overlaps between state and federal law.

We also handle interpleader lawsuits in the U.S. District Court for the District of Wyoming. These federal cases usually arise when there are competing claims to life insurance proceeds, such as a new partner and an estranged child both claiming to be the rightful beneficiary. In a recent case from Sheridan, an interpleader was triggered by a handwritten change form that the insurer questioned due to lack of a witness signature. We helped our client establish the document’s legitimacy and secure the payout.

Whether your claim involves accidental death exclusions, lapse allegations, or conflicting beneficiaries, our firm focuses solely on life insurance litigation. We serve clients throughout Wyoming and act quickly to challenge denials and delays that prevent families from receiving the benefits they deserve.

Contact us for a free consultation.

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 14, 2025 | Contact 800-330-2274