Life Insurance Lawyer Colorado

In Colorado, life insurance is a critical part of many individuals' financial planning. Whether it’s to cover funeral expenses, pay off a mortgage, or provide for dependents, life insurance is designed to offer financial peace of mind when a loved one passes. However, despite the intention for life insurance policies to provide a safety net, many policyholders in Colorado find themselves facing life insurance claim denials. Major insurers such as American General, AARP, and MetLife, as well as smaller companies like Reliance Standard, Transamerica, and Prudential, are occasionally known for rejecting claims, leaving beneficiaries frustrated and confused. Understanding why life insurance claims are denied and how to respond in these situations is crucial for those who wish to protect their loved ones from financial hardship in the event of a death.

One of the most frequent reasons for life insurance claim denials in Colorado involves the failure to provide complete and truthful information during the application process. Insurance companies such as Banner, MetLife, and Lincoln Heritage rely on the details provided by applicants to assess risk and determine policy terms. If the applicant fails to disclose relevant medical information, such as a history of heart disease, diabetes, or smoking habits, insurers like Reliance Standard and Midland National may deny a claim if the cause of death is deemed related to a condition that was not disclosed. Insurers invoke what is known as the "contestability period," which is usually the first two years of a policy, during which the insurer can review the application and contest claims based on omissions or misrepresentations of the applicant’s health. Even if the cause of death is unrelated to the undisclosed condition, the insurer can argue that the policy was issued based on false information and refuse to pay the death benefit. This makes it incredibly important for Colorado residents to fully disclose all health-related information when applying for life insurance to avoid issues later on.

Another major cause for life insurance denials in Colorado involves policy exclusions. Life insurance policies from companies like Hartford Life, Jackson Life, and Foresters often include exclusions that specify situations or causes of death that are not covered under the policy. Common exclusions include suicide, especially if the death occurs within the first two years of the policy, deaths caused by engaging in high-risk activities such as skydiving or mountain climbing, and fatalities related to drug or alcohol use. While exclusions can vary greatly between insurers, policies from companies like Symetra, Transamerica, and AAA may have specific clauses that leave beneficiaries vulnerable in certain circumstances. For example, if the insured person passes away in an accident while under the influence of alcohol or drugs, insurers such as Ameritas, Globe, and Horace Mann may deny the claim, even if the cause of death wasn’t directly related to a pre-existing health condition. It’s important for Colorado policyholders to fully understand what their policies cover and ensure that they are aware of any exclusions that could affect their ability to receive a payout.

The contestability period is another frequent reason for claim denials in Colorado. The contestability period is typically the first two years after a life insurance policy is issued, during which the insurance company can investigate the circumstances surrounding the insured person’s death. If the insurer uncovers any discrepancies in the application, such as omitted health conditions or inaccurate information, they may use this as a reason to deny the claim. Insurers like CMFG, Dearborn, and First Colony are known for rigorously reviewing claims during the contestability period, often seeking any reason to reject a claim. Even if the death appears to be due to an accident or an event unrelated to health conditions, insurers may argue that the original application was fraudulent or that the death is somehow connected to an undisclosed risk. This can result in months or even years of waiting while the insurer processes the claim, leaving grieving families in a difficult position.

Policy lapses also contribute to life insurance claim denials in Colorado. Many policyholders forget or fail to make premium payments, which can cause a policy to lapse. If this happens, the coverage is no longer active, and the insurance company is no longer obligated to pay out benefits. This issue can be especially problematic in Colorado, where residents may be managing various expenses and not realize that their policy has lapsed due to missed payments. Life insurance companies like Mass Mutual, Pekin, and Prosperity may deny claims if the insured person’s policy was not in force at the time of death. Sometimes, insurers will deny a claim simply because the insured individual forgot to pay a premium or because they were not notified of an upcoming payment due date. In these situations, insurers like Trustmark, Wells Fargo, and Anthem may argue that the coverage was void, even if the policyholder intended to keep their life insurance active. To avoid this, it is essential for Colorado residents to keep track of premium payments and maintain clear communication with their insurer.

Another issue that arises is administrative errors or technical mistakes in the paperwork. Insurance companies such as Liberty Mutual, Liberty National, and Lincoln Financial are generally reliable, but like any business, they can sometimes make clerical errors. A minor mistake, such as a misspelled name, an incomplete beneficiary designation, or an incorrectly filled-out form, can lead to a denial of the claim. These types of denials can be particularly frustrating for beneficiaries who have submitted all necessary documentation and believed everything was in order. Smaller insurance companies like State Farm, The Hartford, and Unum have also been known to deny claims due to these kinds of administrative mistakes, leaving beneficiaries feeling wronged. To avoid this situation, it is important to carefully review all documentation before submission and ensure that all forms are accurate and complete. Additionally, if any errors are noticed, they should be promptly corrected and resubmitted.

Questions about life insurance claims in Colorado

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

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

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

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

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

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

Why would an accidental death & dismemberment life insurance claim in Colorado 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 Colorado?

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 Colorado?

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

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

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 Colorado?

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 Colorado?

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 stating it was denied due to Colorado state law?

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

What life insurance companies in Colorado deny the most claims?

Great-West Life in Greenwood Village denies a large percentage of claims.

2025 Colorado Denied Life Insurance Claims

• The Hartford coronavirus excluded $30,000.00
• Cincinnati Life interpleader $150,000.00
• Globe smoking health history $102,200.00
• iA Financial medical records issue $80,000.00
• Colorado Bankers Life denial $78,000.00
• Ohio National COVID-19 exclusion $101,900.00
• All American autoerotic asphyxiation $35,000.00
• Primerica suicide suspected resolved $214,000.00
• Stonebridge drowning drugs and alcohol $33,500.00
• Athene coronavirus excluded on policy $50,000.00
• Simplified Life murder exclusion claimed $75,000.00
• Denied SGLI claim girlfriend disputed $405,300.00
• AXA girlfriend beneficiary dispute $185,000.00
• Midland National skydiving death $102,600.00
• Fidelity Life interpleader $45,000.00
• Accidental Death & Dismemberment won $390,000.00
• Denied FEGLI claim wife $169,000.00
• Lincoln Heritage suicide claim $202,400.00
• Mutual of Omaha AD&D denied $550,000.00
• RiverSource denied COVID-19 claim $254,000.00
• AAA Life failure to disclose medical $306,230.00
• Colorado Springs age mistake on application $750,00.00
• ERISA life insurance denial appeal $160,000.00
• Kentucky Central delay of benefits $169,000.00
• Denied FEGLI claim beneficiary $382,000.00
• Liberty Life autoerotic asphyxiation $243,900.00
• Freedom Life divorce dispute resolved $128,500.00
• Aetna Life sickness exclusion $174,800.00
• Lakewood bad faith denial of benefits $650,000.00
• Colonial Penn interpleader lawsuit $319,300.00
• Fort Collins allegation of fraud resolved $926,000.00
• Denied SGLI claim from dispute $406,130.00
• Midland National alcohol exclusion $154,000.00
• New York Life felony exclusion overcome $102,900.00
• Denied SGLI claim beneficiary dispute $406,250.00
• Colorado denied life insurance claim $650,000.00
• Great West Life accidental death denial $311,400.00
• Executive Life denial due to intoxication $388,000.00
• Arvada insufficient documents submitted $675,000.00
• SGLI resolved beneficiary dispute $400,000.00
• Denied AD&D claim carbon monoxide poisoning $389,000.00
• Farm Bureau interpleader lawsuit $280,000.00
• Denver illegal activity exclusion $580,500.00
• Met life accidental death policy $1,030,000.00
• Denied AD&D claim suffocation $573,000.00
• Bad faith denial of life benefits $437,000.00
• Denied life insurance claim Colorado $591,300.00
• London Pacific denial of benefits $510,000.00
• Thornton nonpayment of premium issue $375,000.00
• Mid-Continental Life delay we won $290,000.00
• Aurora invalid beneficiary designation $800,000.00
• CUNA Mutual prescription drug exclusion $224,000.00