Life Insurance Lawyer Alabama

"Your Trusted Life Insurance Lawyers in Alabama: The Lassen Law Firm" When it comes to life insurance claims, navigating the legal landscape can be overwhelming—especially in Alabama. That’s where The Lassen Law Firm steps in. As dedicated life insurance attorneys serving clients across all 50 states, including the great state of Alabama, we’ve built a reputation for securing justice and results. With over $750 million in policies recovered, we fight tirelessly to ensure our clients receive the benefits they deserve.

Whether you're located in Birmingham, Montgomery, Mobile, or anywhere else in Alabama, The Lassen Law Firm is here to help. Our team understands the intricacies of life insurance law, from denied claims to bad faith insurance practices. At The Lassen Law Firm, you’re not just another case—you’re our priority.

In the state of Alabama, as across the rest of the United States, life insurance claims can often be denied for a variety of reasons, many of which are frustrating for the beneficiaries who have lost a loved one. While policyholders trust life insurance companies to fulfill their promises, it is unfortunately not uncommon for beneficiaries to encounter denials when they attempt to collect a payout. The denial of life insurance claims can stem from a variety of issues ranging from technicalities and paperwork errors to more serious concerns about the validity of the claim itself. The following discussion will explore some of the most notable life insurance companies in Alabama known for having a history of denied claims, highlighting common reasons for these denials and offering insight into how Alabama residents can protect themselves.

Life insurance policies are designed to provide a financial safety net for families, particularly in the event of an untimely death. However, the fine print in these policies can sometimes lead to complicated situations where claims are contested or rejected outright. One of the most common reasons for claim denial is a misrepresentation on the application, particularly regarding the applicant’s health history. Life insurance companies like American General and MetLife, which are among the largest in the industry, often review the details on the application with intense scrutiny after a claim is made. If any discrepancies are found, such as failure to disclose a pre-existing condition, the company may argue that the policyholder intentionally misrepresented their health, leading to a denial.

The process for investigating life insurance claims can be long and burdensome. Many insurance providers, such as AARP and Banner, have been accused of taking an unusually long time to process claims, sometimes to the point where the claimant's financial situation becomes even more dire due to the delay. In some cases, these delays can be caused by the insurance companies asking for additional documentation that may not be readily available. For instance, if the deceased had multiple medical conditions or treatments, it can take time for the insurance company to gather and review the relevant medical records. While this is part of their due diligence, it can create a significant financial hardship for those waiting on the death benefit.

Another issue is the manner in which certain life insurance providers, such as Lincoln Heritage and Reliance Standard, handle claims related to death caused by suicide. While most life insurance policies contain a clause that excludes coverage if the insured person dies by suicide within the first two years of the policy’s initiation, the interpretation of this clause can vary between companies. The ambiguity around this stipulation has led to disputes, especially in cases where the timing of the death closely aligns with the two-year period. In these situations, companies like Midland National and Hartford Life may attempt to deny claims on the grounds of suicide, forcing beneficiaries to pursue legal action or challenge the company’s interpretation of the policy.

Furthermore, there are often complications when the insured person dies under circumstances that are not explicitly outlined in the policy, or if the insured person had participated in risky activities that they failed to disclose. Life insurance companies like Jackson Life and Foresters sometimes attempt to deny claims by citing exclusions in their policies for deaths resulting from hazardous activities or accidents. If the deceased had participated in activities like skydiving or bungee jumping, which may not be covered in some policies, it could provide grounds for a denied claim. This is particularly true if the policyholder had failed to disclose these activities when applying for the insurance.

Additionally, some of the more prominent life insurance companies, such as Lumico and USAA, have also faced complaints related to their practices surrounding the payment of claims. These issues often arise from disagreements over whether the claim falls under the terms of the policy. When an insured person dies, the beneficiary must prove that they are the rightful recipient of the death benefit. For policies that include complicated provisions or that have unclear beneficiary designations, disputes can arise, leading to claim denials or prolonged processing times. This can create unnecessary frustration for those who are already dealing with the emotional pain of losing a loved one.

Alabama residents also need to be aware of life insurance companies like Symetra and Transamerica, which have garnered attention for improperly denying claims on the basis of paperwork mistakes or administrative errors. Whether it’s the failure to correctly identify the beneficiary or the absence of necessary documentation, such issues are often used as a pretext for denying claims. In some cases, the error may not even be the fault of the insured or the beneficiary, but rather the result of a clerical mistake made by the insurance company. This can lead to delays in payment or, worse, a complete denial of the claim.

Furthermore, some smaller life insurance providers, such as VOYA and AAA, may be more likely to engage in aggressive denial practices in order to protect their bottom line. While large companies like Prudential and Securian have the financial resources to handle large volumes of claims, smaller providers may attempt to reduce their payout obligations by denying claims in order to preserve their profitability. This creates additional obstacles for beneficiaries, who are often forced to spend time and resources fighting for what they are owed.

While these denials and complications can seem overwhelming, it is important to remember that Alabama residents have legal avenues to pursue in order to challenge these decisions. The state’s insurance laws allow policyholders and beneficiaries to file complaints with the Alabama Department of Insurance when they believe that an insurer has unfairly denied a claim. In some cases, it may be necessary to hire an attorney who specializes in life insurance law to help navigate the complexities of the claims process. These legal professionals can assist in investigating whether the insurer’s actions were justified, or if they were in violation of state or federal regulations.

In conclusion, Alabama residents must be vigilant when dealing with life insurance claims, especially when they are facing denials from companies with reputations for these practices. While companies like American General, AARP, MetLife, and Banner have been linked to claim denials for various reasons, it is essential for beneficiaries to understand their rights. Whether the denial is due to misrepresentation, disputed exclusions, or paperwork errors, there are legal remedies available to help protect policyholders and their families. By knowing their rights, understanding their policies, and being prepared to take action, residents can better navigate the often complicated world of life insurance claims.

Questions about life insurance claims in Alabama

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

You need a top Alabama life insurance lawyer to represent you.

What do I do If I was served with a life insurance interpleader lawsuit in Alabama?

You don't want to jeopardize your case, so you'll need a top Alabama life insurance attorney for representation.

What do I do if I have a life insurance beneficiary dispute in Alabama?

Our top Alabama life insurance law firm can represent you with respect to your beneficiary dispute.

Why would an accidental death & dismemberment life insurance claim in Alabama be denied?

An AD&D life insurance claim is typically denied either because the death was caused by a medical event not an accident, or that there was alcohol involved which is typically an exclusion in the policy.

Can policy lapse be a reason for a denied life insurance claim in Alabama?

Yes, but the lapse can be contested by our life insurance attorneys.

Is alleged misrepresentation on a life insurance application a reason for a denied life insurance claim in Alabama?

Yes, but our life law firm can dispute the misrepresentation.

Can an alcohol exclusion be a reason for a denied life insurance claim in Alabama?

Yes, but there are ways a life insurance lawyer can dispute this.

What do I do about a bad faith ERISA life insurance denial of death benefits in Alabama?

As you only have one appeal, best to have our lawyers resolve it.

What should I do about a life insurance contestability period claim denial in Alabama?

You should always get legal representation as any denial can be contested.

What do I do if I get a denial letter for my life insurance claim which states the claim was denied due to Alabama state law?

There are many exceptions to denials based on Alabama state law.

What life insurance companies in Alabama deny the most claims?

Liberty National in Wetumpka Alabama and Globe Life in Tuscaloosa Alabama deny a large percentage of claims.

2025 Alabama Denied Life Insurance Claims

USAA denied life insurance claim $31,000.00
Ohio National heart attack vs fall $110,000.00
COVID-19 claim exclusion claimed $102,500.00
Choice Mutual felony exclusion $50,000.00
Denied SGLI claim change beneficiary $403,250.00
Legal & General prescription drug $103,300.00
South Farm Bureau dispute $139,000.00
Globe Life misrepresentation case $102.000.00
Denied FEGLI claim resolved $400,000.00
United Home Life drug exclusion $74,000.00
Nassau RE suicide suspicious death $48,000.00
Fidelity Life contestable period $25,000.00
Denied AD&D claim Alabama won $500,000.00
Global Atlantic heath record cancer $25,000.00
Resolution wouldn't pay client $75,000.00
Stonebridge van accident death drugs $88,000.00
Kemper Life house fire death exclusion $50,000.00
Oxford Life felony exclusion due to crime $51.000.00
American Enterprise sickness exclusion $28,000.00
Life denial of benefits COVID $104,300.00
Alabama denied life insurance claim health reasons $329,000.00
Transamerica Life Insurance beneficiary contest $500,000.00
Gerber Life Insurance Denial misrepresentation $308,422.00
Denied FEGLI claim resolved by us quickly $258,000.00
New York Life Insurance Denied suicide exclusion $104,000.00
American General Life beneficiary dispute ex-spouse $500,000.00
Montgomery interpleader lawsuit won by our firm $305,000.00
AARP Life Insurance delay due to medical records $250,000.00
Prudential Life Insurance felony exclusion resolved $300,000.00
Denied SGLI claim that we resolved in a week $405,200.00
Alabama interpleader life insurance claim $750,000.00
SGLI claim resolved the beneficiary dispute $400,000.00
Decatur no coverage at the time of death $630,000.00
ERISA life insurance appeal won by our law firm $143,000.00
Denied AD&D claim from drowning in pool $531,000.00
Hoover ambiguous language of the policy won $762,000.00
Birmingham life insurance exclusion resolved $825,000
Alabama denied life insurance claim $1,050,000.00
Transamerica Life Insurance accidental death $150,000.00
VGLI claim resolved by our firm $400,000.00
Tuscaloosa bad faith life insurance $745,000.00
Huntsville when life insurance claims denied $883,000.00
Globe Life Insurance beneficiary change $400,000.00
Dothan illegal activity exclusion won by us $839,000.00
Primerica Life insurance exclusions $100,000.00
Met Life prescription drug exclusion $750,000.00
Colonial Penn Life divorce denial/dispute $200,000.00
Mobile competing beneficiaries resolved $700,000.00
Alabama bad faith life insurance claim $893,000.00
TSGLI appeal which was won quickly
AAA Life Insurance Autoerotic asphyxiation $105,000.00
SGLI dispute between beneficiaries $400,000.00
Alabama ERISA life insurance claim $214,000.00
Denied life insurance claim Alabama $830,000.00
Alabama divorce and life insurance $600,000.00
MetLife denied life insurance claim fraud $300,000.00
FEGLI denied life insurance claim $107,000.00
Auburn life insurance denial attorney $328,000.00
Senior Life self-inflicted injury denial $100,000.00
Guardian Life delay medical records $90,000.00
Global exclusion overcome by us $100,000.00
AIG interpleader between brothers $300,000.00
Pruco autoerotic asphyxiation claim $200,000.00