Life Insurance Lawyer Idaho

"Life Insurance Lawyers Serving Idaho: The Lassen Law Firm" Navigating life insurance claims in Idaho can be difficult, especially when facing denied benefits or bad faith insurance practices. At The Lassen Law Firm, we are dedicated to helping residents across the Gem State secure the payouts they deserve. Whether you’re in Boise, Meridian, Idaho Falls, Coeur d’Alene, or any other part of Idaho, we provide trusted legal expertise to guide you through the process.

As experienced life insurance attorneys handling cases across all 50 states, including Idaho, our results speak for themselves—with over $750 million in policies recovered for our clients. At The Lassen Law Firm, we combine knowledge, tenacity, and personalized support to fight for your rights.

In Idaho, life insurance serves as a vital safety net for families, offering a financial cushion in the wake of an unexpected death. Whether it’s to cover the cost of funeral expenses, maintain the family’s standard of living, or pay off outstanding debts, life insurance provides peace of mind to those who depend on it. However, for many beneficiaries in Idaho, the experience of having a life insurance claim denied can leave them struggling not only with grief but also with financial uncertainty. Major life insurance companies like American General, AARP, and MetLife, along with others such as Reliance Standard, Transamerica, and Prudential, are sometimes involved in claims denials. Understanding the specific reasons behind these denials and what steps can be taken to prevent or address them is crucial for Idaho residents seeking to navigate the often-confusing world of life insurance.

A common reason for life insurance claims being denied in Idaho is failure to meet policy requirements regarding premium payments. Life insurance companies like Banner, MetLife, and Lincoln Heritage will only honor a claim if the policyholder has maintained their premiums and the policy is active at the time of death. If premiums are not paid on time or if the policy lapses, the insurer may refuse to pay out the death benefit. While many life insurance companies allow for a grace period of 30 days or more after a missed premium payment, the policy can still lapse if the payment is not made within this period. This can leave beneficiaries in a difficult situation if they were unaware that the policyholder had missed payments. This issue is especially significant in Idaho, where residents may face financial challenges that make it hard to stay current on premium payments. To prevent a denied claim, policyholders should make sure they set up reminders for premium due dates or set up automatic payments whenever possible.

Another common reason life insurance claims are denied in Idaho is misrepresentation or omission of information during the application process. When applying for life insurance, applicants are asked to provide detailed information about their health, medical history, and lifestyle. Insurance companies like Reliance Standard, Midland National, and Hartford Life use this information to assess the risk and determine the premium. If a policyholder provides false or incomplete information—whether intentional or accidental—the insurer may contest the claim, especially if the death is linked to a condition that was not disclosed. For example, if a policyholder failed to mention a pre-existing health condition such as heart disease, diabetes, or cancer, and their death is related to one of these conditions, companies like Jackson Life, Foresters, and Symetra may deny the claim, arguing that the policy would not have been issued had the true information been provided. Idaho residents should ensure they are honest and thorough when filling out their life insurance applications and regularly review their policies to make sure all details remain accurate.

In Idaho, life insurance companies also commonly deny claims based on the specific cause of death, particularly if the cause falls under one of the exclusions outlined in the policy. Most life insurance policies, including those issued by CMFG, Dearborn, and First Colony, have exclusions for certain causes of death, such as suicide, death due to dangerous activities, or deaths related to alcohol or drug abuse. For example, if a policyholder dies by suicide within the first two years of the policy, many insurers such as Liberty Mutual, Liberty National, and Lincoln Financial will deny the claim based on the suicide exclusion. Similarly, deaths related to high-risk activities like skydiving, extreme sports, or unapproved travel may also result in claim denials from companies like State Farm, The Hartford, and Unum. Many policyholders are unaware of these exclusions until it’s too late. As such, it is crucial for Idaho residents to carefully read and understand their life insurance policies to ensure they are aware of any exclusions that may apply to their coverage.

A key issue for life insurance claims in Idaho is the contestability clause, which is common in policies issued by providers like Mass Mutual, Pekin, and Prosperity. The contestability clause allows insurers to investigate the circumstances of a claim during the first two years of the policy. If the insured person passes away during this period, the insurer has the right to scrutinize the details of the death and may deny the claim if they find any misrepresentation or discrepancies in the application process. This clause is particularly relevant for companies like American National, Shelter Life, and Ohio National, who will often look for inconsistencies in the application to ensure that the policyholder did not falsify information. For example, if the insured did not disclose a history of smoking or a previous heart attack, even if the cause of death seems unrelated, the insurer may still choose to deny the claim. In Idaho, it is important for policyholders to be diligent in providing accurate information during the underwriting process, especially given the potential complications during the contestability period.

Another issue that can lead to a denied claim in Idaho is the insurer’s investigation into the policyholder’s activities or behavior leading up to the death. Life insurance companies like Aetna, AIG, Allianz, and Allstate often investigate whether the death resulted from high-risk activities or illegal behavior, such as drug abuse, participating in criminal acts, or driving under the influence. For example, if a policyholder is involved in an accident while driving under the influence of alcohol or drugs, insurers like American Family, American Fidelity, and American Income Life may deny the claim, even if the death was accidental. Similarly, if the insured was involved in a criminal act at the time of death, such as committing a robbery or assault, life insurance companies may invoke a clause that excludes claims related to unlawful activity. In these cases, beneficiaries in Idaho may find themselves in a difficult position if the death was tied to any activity that the insurer deems high-risk or unlawful.

An often-overlooked reason for life insurance claim denials in Idaho is administrative or clerical errors on the part of the insurer. Mistakes can occur during the processing of claims, leading to wrongful denials. For instance, an insurer like Liberty Mutual, Liberty National, or Lincoln Financial may deny a claim due to an error in entering information into their system, such as the policyholder’s name or date of death. These errors can result in delays or denials, even when all the conditions for the claim have been met. To prevent this from happening, beneficiaries should carefully review all documents submitted to the insurance company and ensure that everything is correct. If an error occurs, Idaho residents should contact the insurer immediately and work with them to correct the issue.

In addition to these more common reasons for denied claims, Idaho residents should also be aware of the specific terms of their life insurance policies, which may have additional conditions or limitations. For example, some policies issued by companies like Prudential, Sagicor, and Securian may have clauses that require beneficiaries to submit claims within a certain time frame, or they may require specific documentation in order to process the claim. If the beneficiary does not meet these deadlines or fails to provide the required documentation, the claim may be rejected. It’s essential to read and understand the fine print of the policy to ensure that all conditions are met.

If a life insurance claim is denied in Idaho, beneficiaries have the right to appeal the decision. They should start by carefully reviewing the denial letter to understand the specific reason for the rejection. If the reason is related to a mistake, such as a clerical error, it may be possible to resolve the issue by providing the correct documentation. In more complex cases, such as those involving misrepresentation or exclusions, it may be necessary to consult with a life insurance attorney who can help with the appeals process. Legal professionals can often assist in gathering evidence, presenting a case, and advocating on behalf of the beneficiary to secure the death benefit that is rightfully owed.

Questions about life insurance claims in Idaho

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

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

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

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

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

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

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

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 Idaho?

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

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

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 Idaho?

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 Idaho?

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 Idaho state law?

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

2025 Idaho Denied Life Insurance Claims

  • AARP Life coronavirus exclusion $105300.00
  • Denied SGLI claim wife v ex-wife $404,900.00
  • AM Income COVID-19 death denial $280,000.00
  • Shenandoah Life felony exclusion $51,000.00
  • NTA Life lapse of premium payment $12,000.00
  • Anthem Life prescription drug denial $33,000.00
  • Humana Life suicide accidental death $56,000.00
  • First Colony Life sickness exclusion $29,000.00
  • Wells Fargo life lapse of payment $60,000.00
  • Shelterpoint Life long delay of payment $59,000.00
  • Gleaner Life sickness exclusion resolved $106,000.00
  • Denied life insurance claim Idaho won $850,000.00
  • MD Life self-inflicted injury exclusion $95,000.00
  • Lincoln Financial nonpayment of premium $133,500.00
  • New York Life autoerotic asphyxiation denial $309,000.00
  • Colorado Bankers felony exclusion won $505,000.00
  • Guardian misrepresentation at renewal $205,300.00
  • Denied FEGLI claim only took 1 week $129,000.00
  • Occidental engaging in dangerous activity $105,800.00
  • Twin Falls interpleader lawsuit we won $816,000.00
  • SGLI dispute with beneficiaries $401,000.00
  • Denied SGLI claim resolved $403,500.00
  • Idaho denied life insurance claim $750,00.00
  • United Republic Life denial $256,000.00
  • Pruco claim filed too late resolved $157,000.00
  • Caldwell divorce court orders resolved $609,500.00
  • Denied AD&D claim train accident case $506,000.00
  • Pocatello alleged fraud we resolved $213,000.00
  • Settlers questions about cause of death $307,200.00
  • Idaho divorce and life insurance resolved $572,000.00
  • Mutual Benefit Life long delay of claim $254,000.00
  • Atlantic American sickness exclusion $19,000.00
  • Nampa bad faith life insurance denial $740,000.00
  • Meridian mistake on the application $519,000.00
  • Denied life insurance claim Idaho $1,030,000.00
  • Idaho falls ERISA appeal resolved $157,000.00
  • Union Fidelity policy retroactively cancelled $148,000.00
  • Boise denied life insurance claim resolved $1,080,000.00
  • Security Mutual deceptively worded application $220,000.00