Life Insurance Lawyer Nebraska
"Life Insurance Lawyers Serving 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, including Nebraska, with a proven track record of success—over $750 million in policies recovered. At The Lassen Law Firm, we combine legal experience, relentless advocacy, and compassionate care to deliver justice for every client.
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.
Questions about life insurance claims in Nebraska
What do I do if my life insurance claim in Nebraska was denied?
You need to a top Nebraska life insurance lawyer to represent you.
What do I do If I was served with a life insurance interpleader lawsuit in Nebraska?
You don't want to jeopardize your case, so you'll need a top Nebraska life insurance attorney for representation.
What do I do if I have a life insurance beneficiary dispute in Nebraska?
Our top Nebraska life insurance law firm can represent you with respect to your beneficiary dispute.
Why would an accidental death & dismemberment life insurance claim in Nebraska 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 Nebraska?
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 Nebraska?
Yes, but our life law firm can dispute the misrepresentation.
Can an alcohol exclusion be a reason for a denied life insurance claim in Nebraska?
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 Nebraska?
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 Nebraska?
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 Nebraska state law?
There are many exceptions to denials based on Nebraska state law.
What are the worst life insurance companies in Nebraska for paying claims?
These Nebraska life insurance companies deny many claims: Mutual of Omaha, Assurity Life Insurance in Lincoln NE, and Ameritas Insurance in Lincoln.
2025 Nebraska Denied Life Insurance Claims
- 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