Life Insurance Lawyer Connecticut

"Life Insurance Lawyers Proudly Serving Connecticut: The Lassen Law Firm" Life insurance claims can be daunting, especially when dealing with denied benefits or bad faith practices in Connecticut. At The Lassen Law Firm, we are dedicated to helping individuals and families across the Constitution State navigate the complexities of life insurance law. Whether you’re in Hartford, New Haven, Stamford, Bridgeport, or anywhere else in Connecticut, we are here to fight for your rights.

As life insurance attorneys handling cases nationwide, including Connecticut, we’ve successfully recovered over $750 million in policies for our clients. Our commitment to justice and personalized attention makes The Lassen Law Firm the trusted choice for those seeking results.

In Connecticut, life insurance is an essential financial tool that provides much-needed security for families and loved ones in the event of an untimely death. Whether it's for covering funeral costs, paying off debts, or ensuring that dependents are financially supported, life insurance is meant to offer peace of mind. However, despite the protections life insurance policies are supposed to provide, many residents of Connecticut find themselves facing unexpected life insurance claim denials. Large insurers such as American General, AARP, and MetLife, as well as others like Reliance Standard, Transamerica, and Prudential, are sometimes notorious for rejecting claims, leaving beneficiaries in a difficult and distressing position. It’s important for policyholders in Connecticut to understand why these denials happen and what steps can be taken to fight them if they occur.

One of the most common reasons for life insurance claim denials in Connecticut involves misrepresentation or failure to provide accurate information during the application process. Life insurance companies like Banner, MetLife, and Lincoln Heritage rely on the health and lifestyle information provided by applicants to determine coverage terms and premiums. If a policyholder omits or provides inaccurate information regarding pre-existing health conditions, lifestyle choices such as smoking, or previous medical treatments, the insurer may later deny a claim based on this misrepresentation. This is especially relevant during the contestability period, which typically spans the first two years of a life insurance policy. During this time, insurance companies such as Reliance Standard and Midland National can investigate claims and deny them if they find discrepancies in the application. If the cause of death is related to a condition that was not disclosed, the insurer may argue that the policy would not have been issued had the full details been known, and as such, the policy is invalid. Connecticut residents should be diligent in providing accurate and complete information when applying for life insurance to avoid this issue.

Exclusions are another common reason for life insurance claim denials in Connecticut. Life insurance policies, including those offered by companies such as Hartford Life, Jackson Life, and Foresters, often include exclusions that specify certain causes of death that will not be covered. These exclusions can vary widely between insurance providers but typically include circumstances like suicide (often within the first two years of coverage), deaths resulting from dangerous activities like skydiving or rock climbing, and fatalities due to drug or alcohol use. Policyholders may not fully understand the impact of these exclusions, particularly if they’re not clearly outlined at the time of purchase. For example, if an insured individual dies in a car accident while under the influence of alcohol or drugs, insurers such as Symetra, Transamerica, and AAA may use the exclusion to deny the claim, even if the cause of death seems unrelated to the person's health condition. These types of exclusions can create confusion and frustration for beneficiaries who may not have anticipated such restrictions when purchasing the policy. It’s essential for Connecticut residents to carefully read their policy documents and fully understand the exclusions before they sign the agreement.

The contestability period is another aspect that contributes to claim denials in Connecticut. For most life insurance policies, this period lasts for the first two years of the contract. During this time, insurance companies like CMFG, Dearborn, and First Colony have the right to thoroughly investigate claims. If any discrepancies are found in the application, such as undisclosed health issues or misstatements, the insurer may deny the claim outright. Even if the cause of death is unrelated to the medical condition that was not disclosed, the insurer may argue that the application process was fraudulent, thus invalidating the policy. The contestability period can be a particularly stressful time for beneficiaries, as it leaves room for the insurance company to dispute a claim on the grounds of application errors, even if the insured’s death seems unrelated to the omitted information. Connecticut residents should be aware of this clause and ensure they fully disclose their medical history to avoid unnecessary complications during this period.

Policy lapses are also a common cause of life insurance claim denials in Connecticut. If a policyholder misses premium payments or allows the policy to lapse, the life insurance company is no longer obligated to pay out benefits. Insurers such as Mass Mutual, Pekin, and Prosperity will deny a claim if they find that the policyholder’s coverage was not in force at the time of death. This can be a frustrating situation for beneficiaries, especially if the policyholder was unaware that their payments were overdue. In some cases, the insurance company may not provide adequate notice of the missed payments or the potential lapse in coverage, leaving the beneficiaries unaware of the situation until after the policyholder’s death. To avoid this, Connecticut residents should keep track of premium payment due dates and ensure that their policy remains active. Regular communication with the insurance provider can help ensure that the coverage does not lapse.

Administrative errors and technical issues are also prevalent reasons for life insurance claim denials in Connecticut. Even though insurance companies such as Liberty Mutual, Liberty National, and Lincoln Financial generally strive for accuracy, clerical mistakes can occur. These errors could involve incorrect beneficiary information, discrepancies in the insured’s name, or mistakes in the paperwork submitted with the claim. Insurance providers like State Farm, The Hartford, and Unum may reject claims based on these technicalities, which can cause unnecessary stress for beneficiaries who believe they have submitted everything properly. To minimize the risk of these errors, policyholders should ensure that all paperwork is completed accurately and double-check all forms before submission. If any mistakes are discovered, it’s essential to contact the insurer immediately to rectify them.

In some instances, life insurance claims are denied due to misunderstandings or misunderstandings of the policy’s terms. Life insurance policies from providers such as Aetna, AIG, Allianz, and Allstate can sometimes be complex and difficult to fully understand. Policyholders may not fully grasp the limitations, exclusions, or specific requirements outlined in their policies, which can lead to a claim denial later on. For example, there may be a provision that limits payouts for certain causes of death or imposes restrictions on coverage based on specific circumstances. Insurers such as American Family, American Fidelity, and American Income Life may enforce these provisions strictly, potentially leading to confusion for beneficiaries who thought their loved one was fully covered. It is important for Connecticut residents to review the policy carefully, ask questions, and seek clarification on any aspects that are unclear before purchasing life insurance.

Finally, in some cases, life insurance claims are denied because the insured individual did not meet the insurer’s health criteria when the policy was issued. Insurance companies such as Prudential, Sagicor, and Securian may have strict underwriting guidelines for individuals with certain health risks. If the insured person’s death is related to a pre-existing condition or a risk factor that was not disclosed or considered during underwriting, the insurer may deny the claim. While most insurers will consider these issues at the time of underwriting, some may deny claims even if the cause of death seems unrelated to the health conditions in question. It’s important for Connecticut residents to fully disclose their medical history and be aware of the implications of their health conditions on their life insurance coverage.

If a claim is denied in Connecticut, beneficiaries have the right to appeal the decision. The first step in this process is to carefully read the denial letter to understand the specific reason for the rejection. Many insurers, including Liberty Mutual, Liberty National, and Lincoln Financial, provide an appeals process for beneficiaries who believe their claim was wrongfully denied. If the denial is based on technical errors, incomplete documentation, or policy misinterpretation, beneficiaries can often resolve the issue by providing the correct information or clarifying the terms of the policy. In more complex situations, it may be helpful to seek assistance from an attorney specializing in life insurance disputes. Legal professionals can review the details of the policy, help navigate the appeals process, and even represent the beneficiary in court if necessary.

Questions about life insurance claims in Connecticut

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

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

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

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

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

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

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

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 Connecticut?

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

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

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 Connecticut?

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 Connecticut?

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 Connecticut state law?

There are many exceptions to denials based on state law.

What life insurance companies in Connecticut deny the most claims?

The Hartford, Aetna in Hartford, Cigna in Bloomfield CT, and Voya Financial in Windsor CT deny a large percentage of claims.

2025 Connecticut Denied Life Insurance Claims

Mass shooting Connecticut denied life claim won $105,000.00
AIG Life alleged misrepresentation $40,000.00
Atlantic American breast cancer denial $103,000.00
TIAA coronavirus denial we resolved $67,000.00
Country Financial smoking in records $13,000.00
Veterans contested by siblings resolved $59,000.00
Boston Mutual COVID-19 denial $320,000.00
Bank of America autoerotic asphyxiation death $102,000.00
Southern Farm Bureau medical records $30,000.00
Bright house Financial exclusion $91,300.00
MassMutual coronavirus exclusion $300,000.00
Denial of SGLI claim beneficiary change $403,500.00
TIAA beneficiary dispute we won$165,000.00
Accidental Death & Dismemberment $500,000.00
North American Life heroin denial $25,000.00
Columbian Mutual Life prescription drug $102,000.00
Denial of FEGLI claim resolved $143,600.00
Effortless six month delay resolved $25,000.00
Stonebridge Life denial of benefits $250,000.00
Union National denial for misrepresentation $252,800.00
Stamford court orders divorce settlement $2,000,000.00
Bad faith life insurance denial of benefits $685,000.00
Forethought robbery felony exclusion $137,000.00
Denied FEGLI claim dispute we resolved $285,000.00
Security Life denial divorce spouse ex-spouse $309,200.00
Avon suspicious circumstances death $713,000.00
Connecticut denied life insurance claim $2,048,000.00
Waterbury grace period issue overcome $750,000.00
Denied SGLI claim that we resolved $402,400.00
Danbury dangerous activity exclusion won $932,000.00
Branford invalid beneficiary designation $504,000.00
Divorce and orders from the judge dispute $390,000.00
Denied AD&D claim heart attack dispute $739,000.00
Monarch Life denied due to medical records $277,000.00
Bridgeport foreign death problem we won $1,000,000.00
Protective Life alcohol exclusion denial $405,500.00
Midland Life autoerotic asphyxiation denial $104,150.00
American Equity denied felony exclusion $152,000.00
The Hartford interpleader lawsuit plaintiff $303,750.00
Mutual Benefit Life long delay of benefits $293,100.00
Denied life insurance claim Connecticut $653,650.00
Stonebridge wrong age on the application $208,370.00
Colonial Penn beneficiary dispute $455,000.00
American Life contestable period delay $101,300.00
Hartford suspicious circumstances death $892,000.00
Norwalk no coverage at the time of death $677,000.00
Allianz foreign death denial resolved $340,000.00
New Haven mistake on the application $750,000.00
Pan American self-inflicted injury $278,200.00