Life Insurance Lawyer Kansas

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2025 Kansas Denied Life Insurance Claims

  • Mass Shooting life insurance claim denied $109,490.00
  • Chase Life coronavirus exclusion $40,300.00
  • SGLI claim denied beneficiary dispute $405,638.00
  • AD&D claim denial alcohol exclusion $523,000.00
  • Sentinel Life prescription drug denial $25,000.00
  • Whole Life felony exclusion crime $31,000.00
  • Paul Revere Life material misrepresentation $14,000.00
  • Great Southern Life heart attack death $125,000.00
  • All American Life incontestability period $50,000.00
  • Puritan Life alcohol and drug exclusions $88,000.00
  • AVMA Life sickness exclusion resolved $52,000.00
  • Colonial sickness exclusion settlement $212,400.00
  • ERISA appeal successfully resolved $119,000.00
  • Globe commission of a felony exclusion $109,200.00
  • Mutual autoerotic asphyxiation death $305,600.00
  • Prudential accidental death AD&D $519,300.00
  • Topeka interpleader lawsuit resolved $1,000,000.00
  • Kansas divorce and life insurance case $750,000.00
  • Central United prescription drug overdose $312,750.00
  • Denied SGLI claim disputed beneficiary $403,230.00
  • Kansas foreign death claim resolved $802,000.00
  • Overland Park competing claimants case $405,000.00
  • Kansas denied life insurance claim $925,500.00
  • Denied FEGLI claim settled quickly $407,300.00
  • AAA alcohol exclusion vehicle death $116,000.00
  • Federal denial material misrepresentation $309,150.00
  • Transamerica self-inflicted injury exclusion $129,340.00
  • Lawrence policy less than two years old medical $504,000.00
  • Denied AD&D claim felony exclusion resolved $690,000.00
  • Kansas City divorce court orders settlement $815,000.00
  • Olathe allegation of fraud successfully resolved $202,000.00
  • AIG contestable period medical records $142,000.00
  • Baltimore Life denial of benefits paid to our client $280,000.00
  • State Farm foreign death problem resolved $158,000.00
  • North American lapse in nursing home $180,000.00
  • Shawnee long delay due to medical records $103,000.00
  • Atlantic American delay for two years we resolved $260,000.00
  • RiverSource 2 year contestable period resolved $107,000.00
  • Denied life insurance claim Kansas $1,350,000.00
  • Wichita mistake on the application $640,000.00
  • Guarantee Trust interpleader case $250,000.00
  • Kansas bad faith life insurance case $714,000.00
  • SGLI beneficiary dispute ex-wife $400,000.00

n Kansas, life insurance is essential for providing financial security to families in the event of a loved one's death. However, even with the peace of mind that insurance promises, many policyholders find themselves facing claim denials that can be both financially and emotionally distressing. While some reasons for these denials—such as missed premiums or misrepresentation during the application process—are relatively well-known, there are several lesser-known or more complex reasons why insurance companies like Reliance Standard, MetLife, and AIG might deny a claim. Understanding these uncommon causes can help Kansas residents navigate the intricacies of life insurance and protect their rights as beneficiaries.

One of the lesser-known reasons for life insurance claim denial in Kansas involves the condition of the policyholder’s mental health at the time of application or death. Insurers such as Lincoln Heritage, Transamerica, and Banner often include clauses that can complicate claims if the insured person had a history of mental illness or psychiatric conditions. This is particularly true if the insured did not fully disclose their mental health history during the application process. While life insurance companies in Kansas are prohibited from denying coverage outright based on mental health conditions alone, the situation becomes more complicated if the insured’s death is a result of a mental health-related issue that was not disclosed. For instance, if an individual died by suicide, the insurance company may invoke a clause that excludes suicide within the first two years of the policy (a contestability period), especially if the insured had a known history of mental health disorders. Even if suicide is not the cause of death, insurers may still deny claims based on non-disclosure of psychiatric conditions that would have influenced the underwriting process. Kansas residents should ensure they disclose all health-related information, including mental health issues, to avoid complications later on.

Another uncommon reason for denial is linked to the insured's participation in risky recreational activities or high-risk hobbies. While most people are aware that extreme sports or hazardous activities such as skydiving or scuba diving could void their life insurance policy, it’s important to note that even some less extreme hobbies may fall into this category. Insurance companies like American National, Reliastar, and Foresters often include exclusions for death resulting from activities deemed too risky, including things like horseback riding, rock climbing, or even traveling to countries with high levels of civil unrest or unstable governments. These exclusions can be particularly problematic if the policyholder’s death is not directly tied to a high-risk activity, but if the activity contributed in some way to the fatal incident. For example, if a Kansas policyholder were injured during a routine hike, but the injury was worsened due to their previous participation in risky behavior (such as bungee jumping), the insurer may argue that the insured person put themselves in harm’s way and use this as a reason to deny the claim. Kansas residents should carefully review their policies to identify any exclusions related to high-risk hobbies, especially if they regularly participate in activities that could be categorized as dangerous.

An even more uncommon reason for denial in Kansas is related to disputes regarding the legitimacy of the beneficiary designation. Companies such as Prudential, State Farm, and Transamerica generally handle claims smoothly when the beneficiary is clear and undisputed, but complications can arise when there is uncertainty regarding who should receive the benefits. This could occur if the policyholder failed to update their beneficiary information after a significant life change, such as a divorce, remarriage, or the birth of a child. If the policyholder’s ex-spouse remains listed as the beneficiary but a new spouse or family member believes they should be the rightful recipient, the insurance company may delay or deny the claim until the dispute is resolved. It is critical for policyholders in Kansas to review and update their beneficiary designations regularly to avoid these kinds of complications. Additionally, a life insurance company may deny a claim if the beneficiary is found to be in conflict with other designated individuals or if the legitimacy of the beneficiary is questioned due to fraud or a lack of proper legal documentation.

Another unusual denial reason comes into play when an insurer challenges the cause of death itself, particularly in cases where the insured’s death is sudden or unexplained. Life insurance providers such as Globe Life, Symetra, and AIG may conduct a detailed investigation if there are any inconsistencies regarding the cause of death. In instances where an autopsy is required to determine the exact cause, or if the death occurred under circumstances that the insurer finds unusual or suspicious, there could be a delay or denial of the claim while the investigation is carried out. This is often the case if the death is sudden, occurs in an unusual manner, or the cause of death is ambiguous, leaving the insurer with questions about whether it aligns with the terms of the policy. This kind of denial is rare but can be particularly distressing for families, as it might involve a lengthy investigation that causes additional stress and uncertainty. Kansas residents should be prepared for the possibility of delays in these situations, especially if the death was unexpected or there is a lack of clarity about what happened.

In Kansas, a life insurance claim may also be denied due to the insured’s prior history of drug or alcohol abuse, especially if the abuse was not disclosed during the application process. Insurance providers such as Lincoln Financial, Nationwide, and Reliastar will sometimes review the deceased’s medical history and lifestyle behaviors before approving a claim, and if there is evidence that the insured had been using illegal substances or had a history of alcohol dependency, they may deny the claim if it is determined that these factors contributed to the death. This can apply even if the insured did not die directly from an overdose but rather from a related incident, such as an accident or injury that occurred under the influence of drugs or alcohol. For example, if an insured individual died in a car accident while under the influence of alcohol or drugs, the insurer may argue that the death was directly related to the policyholder’s substance use and could invoke a clause excluding coverage for deaths linked to intoxication. Kansas residents with a history of substance use should be particularly careful when applying for life insurance and disclose this information to avoid complications with claims in the future.

In some cases, life insurance claims are denied in Kansas due to discrepancies or miscommunication between the policyholder’s medical records and the details they provided during the application process. This situation, while uncommon, can arise when the insured has a history of medical treatment or hospitalizations that was not fully disclosed or documented in the application. Insurance companies like USAA, American General, and MetLife may choose to deny a claim if they discover that important details about the policyholder’s health were left out or were misrepresented, especially if the death is related to an undisclosed condition. For instance, if a policyholder had a history of heart disease or cancer but failed to report this on their application, the insurer could claim that they were misled about the individual’s medical history, thus denying the claim. It’s important for Kansas residents to keep their health records up to date and to be honest and thorough when disclosing medical information to life insurance companies.

A less frequent but still possible reason for a denial in Kansas is the failure to comply with specific administrative requirements. Life insurance companies like Sagicor, Anthem, and Foresters may require specific documents to be submitted in order to process the claim, such as a death certificate, proof of identity, or other legal paperwork. If the claimant fails to provide the necessary documents or if they miss deadlines, this can delay or even result in a denial of the claim. This issue is more common in the aftermath of an unexpected death when beneficiaries are unsure about what paperwork needs to be submitted. Kansas residents should make sure they understand exactly what documentation is required by their insurer and submit it in a timely manner to avoid unnecessary delays or denials.

Lastly, in some rare cases, the cause of death might involve the policyholder’s participation in illegal or fraudulent activities that can lead to a claim denial. If an insured person dies while engaging in criminal behavior, such as committing a robbery or participating in organized crime, life insurance providers like AIG, Transamerica, and MetLife may refuse to pay out the death benefit, arguing that the cause of death was directly related to illegal conduct. In these instances, even if the insured’s family members were unaware of their involvement in criminal activities, the life insurance company may still invoke an exclusion clause that removes coverage in cases of illegal conduct.

Questions about life insurance claims in Kansas

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

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

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

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

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

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

Why would an accidental death & dismembermentlife insurance claim in Kansas 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 Kansas?

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 Kansas?

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

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

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 Kansas?

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 Kansas?

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 Kansas state law?

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

Interpleader Lawyer Kansas

Kansas Life Insurance Law

A recent case provides guidance on when premium payments are deemed to be made

Life insurance is a very important estate planning tool for many Americans. Essentially, a life insurance policy can mean the difference between financial security and hopelessness when a trusted breadwinner passes away unexpectedly. As such, it is critical for most families to keep their life insurance policies in good standing.

There are a very few reasons why a life insurance company can cancel a valid policy. One of those reasons, of course, is the non-payment of policy premiums. Even in those instances, however, the life insurance company has to give its policyholder ample notice of nonpayment and the opportunity to reinstate the policy in the event payments are so late that the policy lapses.

Unfortunately, it is in the life insurance company’s best interest if the policy does lapse during the policy term. It is not hard to understand why. So long as the policyholder paid premiums for some time, those premiums equate to pure profit if the policy lapses and the insurance company is relieved from ever having to make a policy payout.

Given these circumstances, it is not surprising when life insurers actively try to avoid policy reinstatement efforts. Such was the case with one recent couple on the East Coast. This article explores their plight and also discusses why it is so important to have the right professionals on your side when things go awry with a life insurance policy.

Late payments to life insurance company

The couple involved in the case at hand were named Harry and Linda. The two had been married for 35 years and were very proactive about estate planning. This was especially true since Linda had spent her entire adult life as a homemaker. If Harry were to die before Linda, he wanted to make sure she had sufficient financial security.

One of the couple’s estate planning strategies was to maintain a large life insurance policy on Harry’s life. For over a decade, the couple was diligent about paying the monthly premiums to keep Harry’s policy active.

In the summer of 2012, however, Harry got suddenly and unexpectedly ill. Doctors weren’t sure what was wrong, but since Harry was unconscious most of the time, they kept him in the hospital for weeks on end. Not surprisingly, Linda was right by his side.

Even after Harry was released from the hospital, he needed months of intense caretaking. Due to what doctors came to believe was some sort of brain aneurysm, Harry had to re-learn how to walk, talk, feed himself, and take care of his most basic needs. Understandably, Linda struggled to keep up with the daily tasks necessary to keep Harry alive.

She also struggled to keep their household together. For months on end, Linda never got around to opening the couple’s mail, even though she kept telling herself she’d get to it. In fact, mail piled up for some six months as she fought to keep Harry alive.

The shock of a life insurance cancellation notice

Finally, Harry’s condition deteriorated to the point that he was put into hospice care. While this was a tough milestone for Linda, the additional care Harry was receiving allowed her to try to catch up on household tasks that had been long neglected.

One of the first things Linda did was begin opening her large pile of mail. While she suspected she would find some overdue bill notices, she had no idea what was going on with Harry’s life insurance policy. Essentially, the company had given notice of late payment, given notice of impending cancellation, and finally terminated Harry’s policy. The termination notice, however, gave Harry the chance to reinstate the policy so long as he did so by December 30.

When Linda read that notice, it was December 29. She quickly figured out the full amount of past-due premiums, wrote a check for that amount, filled out a form indicating Harry’s desire to reinstate coverage, and dropped the full packet off at the nearest post office. In that moment, Linda felt lucky she found the cancellation notice in time to save the policy.

Was the life insurance policy cancelled?

Just two weeks after Linda mailed the reinstatement paperwork, Harry passed away. Linda quickly submitted a claim for death benefits under Harry’s policy. Much to Linda’s surprise, the claim was denied. The claim denial letter read as follows:

Although we acknowledge that you attempted to reinstate Harry’s policy prior to his death, you did not do so in a timely manner and the policy was never reinstated. The deadline for reinstatement was December 30 and our office did not receive your paperwork until January 3.

Something about this correspondence did not sit right with Linda. She contacted an attorney specializing in the wrongful denial of life insurance claims and read him the letter. The attorney immediately saw the flaw in the insurer’s reasoning. According to state law, it didn’t matter when the insurance company received the reinstatement paperwork. What matters was when the paperwork was deposited in the mail (i.e., postmarked).

In this case, of course, the paperwork was postmarked on December 29 – one full day before the reinstatement cutoff. Linda’s attorney sent a stern letter to Harry’s life insurance company with full citations to relevant law. Within three weeks, the insurer reversed its claim denial decision and issued Linda a check for the full policy amount.

This case is important because it illustrates that life insurers are willing to ignore basic tenants of law if they think they can avoid paying valid benefits. If Linda hadn’t obtained a specialized attorney, she may have walked away from a large sum of money her husband intended for her.

kansas Beneficiary Disputes / kansas Interpleader Lawsuits

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