Life Insurance Lawyer Nebraska

Trusted Life Insurance Lawyers Nebraska: The Lassen Law Firm Life insurance claims in Nebraska can be overwhelming, particularly when dealing with denied payouts or bad faith insurance practices. At The Lassen Law Firm, we are dedicated to assisting individuals and families across the Cornhusker State recover the benefits they rightfully deserve. Whether you’re in Omaha, Lincoln, Bellevue, Grand Island, or any other community in Nebraska, we provide trusted legal expertise and personalized support tailored to your needs.

As nationally recognized life insurance attorneys, we’ve handled cases across all 50 states, with a proven track record of success—hundreds of millions in policies recovered. At The Lassen Law Firm, we combine legal experience, relentless advocacy, and compassionate care to deliver justice for every client. 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.

Nebraska denied life insurance claims: answers to common questions

• What should I do if my life insurance claim has been denied in Nebraska?
  If your Nebraska life insurance claim was denied, it's critical to speak with a Nebraska life insurance attorney who can evaluate the reason for denial and take immediate legal steps to contest it.

• How should I handle a Nebraska life insurance interpleader lawsuit?
  If you've been served with a Nebraska interpleader action, the insurer is asking the court to decide who gets the benefit. You need legal representation from a Nebraska life insurance lawyer to protect your rights.

• What can I do about a life insurance beneficiary dispute in Nebraska?
  In Nebraska, life insurance beneficiary disputes can involve family conflict, ex-spouses, or claims of undue influence. Our Nebraska attorneys resolve these through litigation or negotiation.

• Why do insurers in Nebraska deny accidental death and dismemberment (AD&D) claims?
  Most Nebraska AD&D claim denials happen when the insurer says the death was caused by a medical condition or alcohol rather than an accident. We investigate and challenge these denials based on policy language and facts.

• Can a policy lapse result in a denied life insurance claim in Nebraska?
  Yes, but only if the insurer followed Nebraska law regarding lapse notices. If they failed to provide proper notification, the policy may still be valid.

• Is misrepresentation on an application grounds to deny a Nebraska life insurance claim?
  Yes, but only if it was intentional and material. Our Nebraska life insurance attorneys regularly dispute these denials when the misstatement wasn’t linked to the cause of death.

• Can a Nebraska life insurance claim be denied based on alcohol use?
  Yes, some Nebraska policies have alcohol exclusions. However, we often challenge these denials when the exclusion is vague or the death wasn't directly caused by intoxication.

• What should I do about a bad faith ERISA life insurance denial in Nebraska?
  If your ERISA life insurance claim is denied in Nebraska, you have limited time to appeal. Our firm builds strong appeals and can take the case to federal court if needed.

• What does the contestability period mean in Nebraska life insurance cases?
  The contestability period in Nebraska usually lasts two years from when the policy starts. Insurers may deny claims during this time, but we dispute those denials if the misrepresentation was minor or unrelated.

• What if my denial letter cites Nebraska law as the basis for the decision?
  Insurers often misapply Nebraska statutes. Our attorneys review the letter and policy language to determine whether the denial actually holds up under state law.

• Which Nebraska life insurance companies are known for denying claims?
  Mutual of Omaha, Assurity Life in Lincoln, and Ameritas Insurance in Lincoln are commonly cited in disputed Nebraska life insurance claims. We take on any insurer denying payment without cause.

• Does divorce revoke a life insurance beneficiary designation in Nebraska?
  Yes, under Nebraska law, divorce generally removes a former spouse as a beneficiary unless the insured reaffirms the designation afterward. We help resolve these conflicts in court.

• Is Nebraska a community property state, and how does that impact life insurance?
  No, Nebraska is not a community property state. However, if marital funds paid the premiums, a surviving spouse may still have a legal interest in the policy’s proceeds.

• Can a Nebraska life insurance policy be overridden by a will?
  No. In Nebraska, the beneficiary named in the policy takes priority over someone listed in a will—unless there's a legal issue like fraud or incapacity involved.

• What does it cost to hire a Nebraska life insurance lawyer?
  Our Nebraska life insurance attorneys work on contingency—you pay nothing unless we recover the life insurance benefit for you.

• Can a claim be denied in Nebraska if the insured died outside the U.S.?
  Yes, if the policy contains a foreign death exclusion. We review the terms and often dispute denials when the exclusion is unclear or improperly enforced.

• What if the beneficiary was changed shortly before death in Nebraska?
  If a last-minute beneficiary change occurred, we investigate whether it was made under undue influence or without mental capacity and may challenge it in court.

• What should I do if my Nebraska life insurance claim is delayed?
  Delays without justification may be considered bad faith under Nebraska law. We pressure insurers to act and seek additional damages if necessary.

• Can Nebraska insurers deny an AD&D claim by labeling the death as natural?
  Yes, but we challenge such denials when evidence shows the death was accidental, and we fight to enforce the accidental death coverage.

• Can an agent’s mistake on the application result in a denial in Nebraska?
  Yes, but the insurer may still be liable if their agent made the error. We handle denials in Nebraska involving agent-caused application mistakes.

• What is considered bad faith in a Nebraska life insurance denial?
  Bad faith includes denying a valid claim, misrepresenting policy language, or delaying payment. Nebraska law allows for punitive damages in such cases.

• Can a denial during the contestability period be reversed in Nebraska?
  Yes. We frequently reverse contestability denials by proving the error was immaterial or that the insurer knew about it and waived their right to contest.

• Are ERISA life insurance policies more challenging to contest in Nebraska?
  Yes, because of federal limitations. Our Nebraska lawyers are experienced in ERISA appeals and lawsuits in federal court.

• What happens if a Nebraska policy has no named beneficiary?
  If no beneficiary is listed, the policy usually pays out to the insured’s estate. We help beneficiaries recover funds through Nebraska probate court.

• Can I challenge a questionable beneficiary designation in Nebraska?
  Yes, Nebraska law allows challenges based on fraud, coercion, or incapacity. We file legal actions to have invalid designations set aside.

• Do Nebraska insurers have to give notice before canceling a life insurance policy?
  Yes, and failure to provide proper notice can render a cancellation invalid. We help challenge wrongful cancellations and recover the benefit.

• How are employer life insurance policies handled in Nebraska?
  Most employer policies are governed by ERISA. We help Nebraska employees and their families with appeals and litigation when these policies are wrongfully denied.

• What if multiple people claim the same life insurance in Nebraska?
  The insurer may file an interpleader in Nebraska court. We represent claimants in these disputes and work to secure your rightful share of the policy.

• Can I file a claim if the insured was declared legally dead in Nebraska?
  Yes. Once a Nebraska court issues a legal death declaration, we help families proceed with the life insurance claim.

• How long do I have to appeal a denied life insurance claim in Nebraska?
  ERISA claims require an appeal within 180 days. Other deadlines vary by policy type. We ensure appeals are timely and thoroughly documented.

• Are verbal promises enforceable in Nebraska life insurance cases?
  Generally no. Nebraska law prioritizes written beneficiary designations, but we may pursue equitable claims if there’s strong evidence of intent.

• Are life insurance benefits protected from creditors in Nebraska?
  Yes, if the proceeds go to a named beneficiary. If the policy pays to the estate, creditors may have access under Nebraska probate law.

• Can a Nebraska insurer deny a claim based on vague policy language?
  No. Ambiguous language is interpreted in favor of the policyholder under Nebraska contract law. We use this to contest unfair denials.

• Can a lapsed or canceled policy still be paid in Nebraska?
  Yes. If the insurer failed to follow Nebraska’s cancellation requirements or the policyholder tried to reinstate, we may recover the benefit.

• What if my Nebraska policy lapsed due to non-payment?
  We investigate whether proper notices were sent and whether there were available options like premium loans. Many non-payment denials are challengeable.

• Can a child receive life insurance proceeds in Nebraska?
  Yes, but a guardian or trust may need to be appointed. Our firm helps Nebraska families protect minors’ benefits through proper legal planning.

• Can a life insurance claim be denied for suspected fraud in Nebraska?
  Only if the insurer proves actual fraud. We challenge denials based on weak, unsubstantiated fraud allegations.

• Can Nebraska life insurance disputes be settled without court?
  Yes. Many claims are resolved through negotiation or mediation. If needed, we are fully prepared to litigate in Nebraska courts.

• What if a beneficiary change form was never processed by the insurer in Nebraska?
  If the form wasn’t accepted or properly recorded, we may challenge the change. We work to establish the insured’s true intent under Nebraska law.

• Are older life insurance policies still valid in Nebraska?
  Yes. If the policy was in force at the time of death, it remains valid. We assist Nebraska beneficiaries with claims on long-standing policies.

• How can I prove I’m the rightful beneficiary in Nebraska?
  We gather documentation, policy records, and legal evidence to support your claim. Our Nebraska attorneys build strong cases to recover the benefit you're entitled to.

2025 Nebraska Denied Life Insurance Claims: settlements & verdicts

• Great Southern COVID-19 death $102,100.00
• Aflac power of attorney change $37,000.00
• Franklin Life coronavirus denial $45,000.00
• Accidental Death & Dismemberment drugs $650,000.00
• Landmark Life alcohol exclusion $36,000.00
• AAA wrong age on application $11,000.00
• Effortless lapse of policy rejection $50,000.00
• USAA intoxication exclusion won $123,000.00
• Nebraska mass shooting denial $206,000.00
• Bankers Life cancer in medical records $44,000.00
• AD&D denial due to oxycontin denied $98,000.00
• North American Life chronic illness $25,000.00
• American United material misrepresentation $330,000.00

• United of Omaha material misrepresentation $250,000.00
• Executive Life sickness excluded denial $75,000.00
• Globe delay during contestable period $107,320.00
• Prudential AD&D claim denied resolved $414,900.00
• AARP lapse while in hospital $108,000.00
• Kemper kept delaying and delaying $22,000.00
• Denied SGLI claim change of beneficiary $402,332.00
• Transamerica drunk driving death $283,000.00
• Stonebridge felony denial exclusion $146,000.00
• Nebraska denied life insurance claim $1,750,00000
• Athene Life would not send check to client $55,000.00
• Denied FEGLI employee claim won $88,000.00
• Colonial interpleader lawsuit we won $522,000.00
• Atlantic American stabbing death denial $67,400.00
• Primerica prescription drug lawsuit $314,000.00
• Denied life insurance claim Nebraska $638,000.00
• Accidental Death and Dismemberment claim $52,900.00
• SGLI beneficiary change resolution $400,000.00
• RiverSource playing games with client $58,000.00
• Genworth autoerotic asphyxiation $277,000.00
• American Amicable wife and ex-wife $649,000.00
• Nebraska divorce and life insurance $261,000.00
• AIG accidental death and dismemberment $403,600.00

One of the less common reasons for a life insurance claim denial in Nebraska involves issues surrounding "policy lapsed due to non-payment" that occurs under unusual circumstances. While it’s well-known that life insurance policies can lapse if premiums are not paid, what many people don’t realize is that some insurers, like AIG, Mass Mutual, and New York Life, have strict guidelines regarding premium grace periods and payment reminders. If a policyholder fails to pay their premiums but dies shortly after the grace period ends, there may be a dispute over whether the coverage was valid at the time of death. In these situations, insurers may argue that the policy was not in force when the insured passed away, leading to a claim denial. This can become more complicated if the policyholder had set up automatic payments that failed, but the beneficiary is unaware of the missed payment.

Another lesser-known reason for claim denial comes in the form of “material misrepresentation” during the application process. While policyholders are expected to provide accurate information about their health, employment, and lifestyle at the time of applying, life insurance companies like State Life, Guardian, and Farmers can investigate whether any material facts were misrepresented after the policyholder’s death. If the policyholder inaccurately reported their health status, a pre-existing medical condition, or lifestyle choices like smoking, the insurer could use this as grounds to void the policy and deny the claim. This situation is particularly concerning if the death appears unrelated to the conditions the policyholder failed to disclose but still falls within the policy’s terms for contestability. For instance, if a policyholder dies from a heart attack but neglected to mention that they had a history of cardiovascular issues, their family might face an uphill battle to receive the death benefit.

One further reason for claim denials in Nebraska that isn’t always readily recognized is related to "cause of death exclusions." Life insurance policies typically contain clauses that exclude certain causes of death from coverage. These exclusions are often related to high-risk activities, drug use, or acts of war. Insurers such as Foresters, Transamerica, and Protective Life closely examine the cause of death when determining whether to approve or deny a claim. If the deceased passed away from an activity not covered by the policy—such as engaging in extreme sports, participating in military combat, or dying while committing a criminal act—the claim may be rejected based on these specific exclusions. Even if the policyholder’s death was not directly caused by the excluded activity, insurers may contest the claim if there is a possibility that the exclusion could apply.

Another uncommon reason for a life insurance claim denial in Nebraska is when a policyholder’s death occurs while they were under the influence of drugs or alcohol. Many life insurance companies, including Prudential, Allianz, and Lincoln Benefit, include clauses in their policies that limit coverage if the insured dies while intoxicated or under the influence of illegal drugs. Although this is a known exclusion for many policies, it can be harder to prove the level of intoxication and whether it played a role in the death. If the insured's blood alcohol content or drug levels were above the legal threshold, the insurer may deny the claim, even if the cause of death was unrelated to substance use. In some cases, beneficiaries may need to fight these denials, particularly if they believe the claim was unfairly rejected or if the toxicology reports do not align with the insurer's reasoning.

Additionally, a “lack of policy renewal” can sometimes be an overlooked issue in Nebraska. Life insurance policies are subject to certain renewal terms, and if the policyholder failed to renew their coverage before their death, the insurer may deny the claim. This is particularly true in cases where term life insurance policies are involved. Companies like Mutual of Omaha, Erie, and Western & Southern will often deny claims if the policyholder allowed the policy to expire without renewing it. In many cases, the policyholder may have assumed that their policy would automatically renew, or the insurer may not have communicated effectively about the renewal requirements. This issue can be especially problematic if the beneficiary is unaware of the expiration date and is caught off guard when a claim is denied.

Beneficiary disputes also present significant challenges in Nebraska, especially in cases where there is ambiguity in the policyholder's beneficiary designation. This could occur in situations where the policyholder did not update their beneficiary designation after a significant life event, such as a divorce or remarriage. Disputes often arise when multiple parties—such as an ex-spouse, children, or new spouse—claim to be the rightful beneficiary. In some cases, the life insurance companies, like Symetra, Reliastar, and The Hartford, may find themselves caught in the middle of these conflicts. Instead of paying the benefit to one claimant, they may opt to initiate a life insurance interpleader lawsuit.

A life insurance interpleader lawsuit is a legal proceeding in which the insurer files a lawsuit to request that the court determine who is entitled to the death benefit. In Nebraska, this process allows insurers to avoid being held liable for paying the wrong beneficiary while the court sorts out the dispute. The life insurance company typically deposits the death benefit amount with the court, and a judge will decide the rightful beneficiary based on the circumstances of the dispute. This process can be time-consuming and expensive for the involved parties, especially when there are multiple claimants or unclear beneficiary designations. Insurers such as State Farm, CMFG, and Ameritas are sometimes forced into interpleader actions when they face conflicting claims and cannot determine the correct payout without legal intervention.

In addition to beneficiary disputes, complications can arise when beneficiaries do not fully understand the terms of the life insurance policy or fail to provide the required documents. This situation is common with policies issued by companies like Globe Life, Assurant, and Erie, where failure to submit certain documents, such as proof of death or medical records, can lead to a delay in the payout or outright denial of the claim. Beneficiaries should always ensure that they have all the necessary paperwork ready and are aware of the insurer’s process for filing a claim. Furthermore, beneficiaries who are uncertain about the policy terms may wish to consult with an attorney to help them navigate the claims process and understand their legal rights.

Finally, life insurance policies issued by companies like USAA, Liberty Mutual, and Pekin may have specific exclusions or clauses that are unique to certain circumstances, making the denial of a claim harder to contest. Understanding the terms and conditions of the policy is crucial for beneficiaries. Whether the claim denial results from an obscure clause or misinterpretation of the coverage, beneficiaries in Nebraska must stay vigilant and seek proper legal counsel to help them address the denial and assert their entitlement to the benefits.

For more information on insurance regulations and consumer protections in Nebraska, you can visit the Nebraska Department of Insurance. Additionally, the National Association of Insurance Commissioners (NAIC) offers nationwide insurance resources.