Life Insurance Lawyer Cheyenne Wy
"Life Insurance Lawyers for Cheyenne, WY – The Lassen Law Firm" In Cheyenne, a city rich in Western heritage, famous for its historic landmarks, rodeo traditions, and friendly community, navigating life insurance claims can still be a challenging and stressful process—especially when benefits are unfairly delayed or denied. At The Lassen Law Firm, we are dedicated to helping families and individuals in Cheyenne secure the financial protection they deserve. Whether you’re near the bustling Downtown area, the serene Lions Park, or anywhere across Laramie County, we provide trusted legal expertise and personalized care every step of the way. Our experienced and trusted Wyoming 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 advocacy, relentless representation, and trusted results for Cheyenne residents seeking justice in insurance disputes.
2025 Cheyenne Wyoming Denied Life Insurance Claims
- Midland denied life claim toxicology $115,000.00
- Inter American coronavirus denial $53,000.00
- Reliable nonpayment of premiums claimed $44,000.00
- Cheyenne Wyoming denied life insurance claim $29,000.00
- Lincoln Life suicide exclusion claimed $63,000.00
- Talcott Resolution foreign death claim $102,000.00
- Confederation Life material misrepresentation $75,000.00
- American United delay medical records $90,000.00
- Texas Life dispute between wife and ex-wife $950,000.00
- Executive Life COVID 19 exclusion $40,000.00
- Securian beneficiary dispute $108,000.00
- Unified World competing claimants $44,000.00
- New England Mutual policy not in force $15,000.00
- Colonial Life sickness exclusion $55,000.00
- Brighthouse beneficiary dispute wife $28,000.00
- VA Life competing beneficiaries spouse vs ex-spouse $401,000.00
- AFBA denial of life benefits won $96,000.00
- Unified Life act of war exclusion $51,000.00
- Catholic Life misrepresentation heart condition $25,000.00
- American Equity Investment contestable period $11,000.00
- Occidental life insurance claim rejected $43,000.00
- ALG Life felony exclusion crime $530,000.00
- People's Benefit underpayment of claim $56,000.00
- OM Financial medical condition not disclosed $540,000.00
- New Era Life chronically sick exclusion $22,000.00
- Delaware Life pneumonia death denial $39,000.00
- Physician's Mutual Life lapse nonpayment $63,000.00
Questions About Life Insurance Claims in Cheyenne, WY
Can a Cheyenne life insurance claim be denied if the insured forgot to disclose a history of high blood pressure?
Only if the omission was intentional and material. If the condition didn’t impact the underwriting decision or relate to the cause of death, Wyoming law often supports paying the claim.
Does divorce in Cheyenne automatically revoke an ex-spouse’s life insurance rights?
Yes. Wyoming law generally removes an ex-spouse as beneficiary after divorce unless the insured reaffirmed them afterward. However, ERISA-governed policies could still honor the ex-spouse if the designation wasn’t updated.
What happens if no living beneficiary is named in a Cheyenne life insurance policy?
The proceeds typically pass to the insured’s estate and are distributed under Wyoming probate rules.
Can death during a dangerous activity like rock climbing near Cheyenne void a life insurance policy?
Only if the policy clearly excluded deaths from hazardous recreational activities. Vague or general exclusions are usually interpreted in favor of the beneficiary.
How are Cheyenne life insurance claims handled when death occurs abroad?
Insurers require foreign death certificates, embassy or consular reports, and certified translations. Proper documents usually overcome insurer delay tactics.
What if forgery is suspected in a Cheyenne life insurance beneficiary change?
Forged beneficiary designations can be challenged with handwriting experts, medical records, and testimony. Wyoming courts can reinstate the rightful beneficiary.
Can a Cheyenne insurer delay paying a life insurance claim indefinitely due to an ongoing investigation?
No. Once basic cause of death is reasonably clear, insurers must move forward or face bad faith liability under Wyoming law.
Can minor illegal conduct at the time of death—like trespassing—void a Cheyenne life insurance policy?
Generally not. Coverage remains unless the illegal act directly caused death and the policy specifically excludes such circumstances.
Example Case: Cheyenne family secured payout after insurer blamed “undiagnosed heart issue” in accident death
An insurer tried to deny after a fatal fall, citing health history. Legal review showed trauma—not illness—caused death, and full benefits were recovered.
Can administrative mistakes like typos void a Cheyenne life insurance claim?
No. Minor errors that don’t impact underwriting risk do not justify denial under Wyoming law.
How does ERISA impact life insurance claims in Cheyenne tied to employer coverage?
ERISA requires strict administrative appeals—often within 180 days of denial—and limits court review to the insurer’s administrative record.
What happens if a Cheyenne employer deducted premiums but never finalized life insurance enrollment?
The employer could be held financially liable for the lost coverage under breach of fiduciary duty or negligent misrepresentation theories.
How long should a Cheyenne life insurance company take to pay after receiving proof of death?
Insurers must pay within a reasonable time—usually within 30 to 60 days after receiving completed documents.
Can a life insurance claim be denied in Cheyenne if death involved intoxication?
Possibly, but only if the policy clearly excludes deaths caused by intoxication and the insurer proves intoxication was the direct cause of death.
Common Mistake: Cheyenne families delay formal ERISA appeals hoping the insurer will reconsider informally
Waiting too long can forfeit appeal rights. ERISA appeals must be made formally, usually within 180 days of denial.
Can death during an amateur motorized event like an ATV race near Cheyenne void life insurance coverage?
Only if the policy clearly excludes deaths from organized motor sports. Otherwise, vague exclusions can often be challenged successfully.
Can death during an experimental treatment impact a Cheyenne life insurance payout?
It might. If the death was caused by experimental procedures and the policy excludes them, denial may occur. Otherwise, many experimental exclusions can be overcome.
Can a suspected killer collect life insurance benefits in Cheyenne without being convicted?
No. Wyoming’s slayer statute prevents anyone proven in civil court to have unlawfully and intentionally caused the insured’s death from receiving benefits.
How are “undetermined” causes of death treated in Cheyenne life insurance claims?
They can slow processing, but they don’t automatically defeat the claim. Families can provide autopsy reports, medical records, and expert opinions to establish cause of death.
How long do Cheyenne families have to file a lawsuit after life insurance denial?
Wyoming’s statute of limitations for breach of contract claims is generally 10 years, but ERISA plans often require lawsuits within one year after the final denial.
For more information on insurance regulations and consumer protections in Wyoming, you can visit the Wyoming Department of Insurance. Additionally, the National Association of Insurance Commissioners (NAIC) offers nationwide insurance resources.