Life Insurance Lawyer Alabama

Trusted Life Insurance Lawyers 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, we’ve built a reputation for securing justice and results. With hundreds of millions 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. 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 24 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.

Alabama Denied life insurance claims: Answers to common Questions

What should I do if my life insurance claim in Alabama was denied?
You should contact an experienced Alabama life insurance attorney right away. Many denials can be reversed with legal intervention, especially when insurers deny claims based on unclear or misapplied policy language.

What should I do if I was served with a life insurance interpleader lawsuit in Alabama?
Don’t try to handle it on your own. Interpleaders require a legal response to determine who receives the payout. A skilled Alabama life insurance attorney will protect your rights and ensure you’re not wrongfully excluded.

What should I do if I’m involved in a life insurance beneficiary dispute in Alabama?
Beneficiary disputes can arise between family members, ex-spouses, or claimants with forged or last-minute changes. Our law firm resolves these disputes through negotiation or litigation when necessary.

Why would an accidental death and dismemberment claim be denied in Alabama?
AD&D claims are often denied when insurers argue the death wasn’t truly accidental or was related to alcohol use or a medical event. We challenge these denials with expert evidence and policy analysis.

Can a policy lapse be a valid reason for denying a claim in Alabama?
Yes, but we often dispute these denials successfully. If the insurer didn’t provide proper lapse notices or if the death occurred during a grace period, the policy may still be in effect.

Is misrepresentation on an application a valid reason to deny a claim in Alabama?
Only if the misrepresentation was material and intentional. We challenge these denials by proving the information wouldn’t have changed the policy’s issuance or was unrelated to the cause of death.

Can an alcohol exclusion be used to deny a life insurance claim in Alabama?
Yes, but the exclusion must be clear and applicable to the facts. We dispute denials when the exclusion is vague or applied unfairly to deny a legitimate claim.

What should I do about a bad faith ERISA life insurance denial in Alabama?
Because ERISA limits you to one appeal, you should consult a lawyer immediately. Our attorneys prepare detailed appeals that follow strict ERISA guidelines to give you the best chance of success.

What if my life insurance claim was denied during the contestability period in Alabama?
During the first two years of a policy, insurers can deny claims based on misstatements. We dispute these denials by proving the alleged misrepresentation was immaterial or irrelevant to the cause of death.

What if the insurer cites Alabama law to justify the denial?
Insurers often reference state laws incorrectly. We review the legal basis of the denial and fight back with accurate interpretations of Alabama’s insurance statutes and case law.

Which life insurance companies deny the most claims in Alabama?
Liberty National in Wetumpka and Globe Life in Tuscaloosa are known for denying a significant number of claims. Regardless of the insurer, we hold them accountable when they wrongly withhold benefits.

Does Alabama have a law that removes ex-spouses as beneficiaries after divorce?
Yes. Under Alabama law, a divorce generally revokes an ex-spouse’s right to life insurance benefits unless the policyholder reaffirmed them after the divorce. We handle these disputes regularly.

Is Alabama a community property state, and does that affect life insurance benefits?
No, Alabama is not a community property state. However, a surviving spouse may still have a claim if premiums were paid from joint marital funds. We examine financial records to determine entitlement.

Can a will override a life insurance beneficiary in Alabama?
No. Life insurance proceeds go to the person named in the policy, not someone named in a will. However, we can challenge the designation if there is evidence of fraud or coercion.

What happens if the insured died while overseas?
Foreign death claims are sometimes denied, but unless the policy clearly excludes foreign deaths, we can often recover the benefit. We investigate and provide documentation to overcome wrongful denials.

Can I challenge a sudden beneficiary change made before the insured’s death?
Yes. If the change was made under duress, undue influence, or without capacity, we can file a legal challenge. These cases are common and require fast legal action.

What if the insurer is delaying payment without a clear reason?
Unreasonable delays may be considered bad faith. In Alabama, we can sue for breach of contract and seek additional damages if the insurer failed to act in a timely and fair manner.

Can insurers deny an accidental death claim by saying it was a natural cause?
Yes, and they do. We fight these denials by gathering medical and forensic evidence to prove that the death qualifies as accidental under the terms of the policy.

What if the life insurance agent made an error on the application?
If an agent filled out incorrect information or misled the applicant, the insurer may still be liable. We challenge these denials and show that the policyholder acted in good faith.

Can I sue for bad faith if my claim was wrongfully denied in Alabama?
Yes. Alabama law allows policyholders and beneficiaries to sue for bad faith. We help clients recover not only the policy benefit but also punitive damages when appropriate.

Can suicide exclusions be contested in Alabama?
Yes. Suicide exclusions usually apply only during the first two years of the policy. If the exclusion period has passed or if the death was misclassified, we may be able to reverse the denial.

Do employer-sponsored life insurance policies in Alabama fall under ERISA?
Most do. ERISA governs group policies, and the appeal process is strict. Our firm handles ERISA claims and prepares appeals that meet all federal requirements.

What happens if the insured failed to disclose a health condition?
If the omission was not intentional or unrelated to the cause of death, the claim should still be paid. We investigate the underwriting process to prove the insurer had enough information to approve the policy.

What if there is no named beneficiary on the life insurance policy?
The payout may go to the estate or be distributed under Alabama intestacy law. We help families pursue claims through probate when no beneficiary is listed.

Can a questionable or forged beneficiary form be challenged?
Yes. If there is suspicion of forgery, fraud, or undue influence, we can file a legal challenge and seek to restore the rightful beneficiary.

Do Alabama insurers have to provide notice before canceling a policy?
Yes. Proper notice must be given before canceling for non-payment or lapse. If the notice wasn’t sent or was defective, we can argue that the policy remained in force.

What if the policy was obtained through an Alabama labor union or professional association?
Union or association policies often have unique rules. We are familiar with these group contracts and can help you challenge a denial under their specific provisions.

Can I receive part of the benefit if I’m a co-beneficiary?
Yes. Life insurance payouts are divided as stated in the policy. We help resolve disputes between co-beneficiaries and ensure you receive your share.

What happens if the insured disappeared and was later declared dead?
Once legal death is established, a claim can be filed. We help families obtain death declarations and navigate claim submission when the insured is missing.

Can I reopen a denied claim in Alabama?
Yes. Many claims can be revisited, especially with new information or legal arguments. We review the denial and determine if there's a viable path to appeal or litigation.

Are life insurance benefits protected from creditors in Alabama?
Yes, if a living beneficiary is named. If the policy pays to the estate, creditors may be able to make claims. We can help you protect proceeds from creditors when possible.

What if the policy language is ambiguous?
Under Alabama law, ambiguous policy terms are typically interpreted in favor of the policyholder or beneficiary. We use this to dispute unfair denials based on unclear language.

What if the insurer says the policy lapsed but no notice was received?
We can challenge the lapse if notice requirements weren’t followed. Alabama law requires insurers to notify the policyholder before termination for non-payment.

Can a minor named as a life insurance beneficiary receive the funds?
Not directly. A legal guardian or custodial account may be required. We assist families in setting up proper legal structures to protect the child's interest.

What if someone else claims the insured promised them the benefit?
Verbal promises usually don’t override a written policy, but we may be able to assert equitable claims or challenge the designation if the promise was backed by other evidence.

Can a claim be denied because the death occurred during a crime or illegal act?
Some policies exclude deaths during criminal activity. However, exclusions must be clear and proven. We challenge these denials when the facts are disputed.

How long do I have to challenge a denial in Alabama?
Time limits vary depending on the policy type. ERISA appeals must be made quickly, and contractual or state deadlines also apply. Contact a lawyer as soon as possible after receiving a denial.

2025 Alabama Denied Life Insurance Claims: Settlements and verdicts

  • 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

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.

For more information on insurance regulations and consumer protections in Alabama, you can visit the Alabama Department of Insurance or explore nationwide insurance resources through the National Association of Insurance Commissioners (NAIC).