Life Insurance Lawyer NevadA

life insurance lawyers serving all of nevada

The Lassen Law Firm is a national law practice that focuses exclusively on life insurance claim litigation, and we’ve handled denied claims across every part of Nevada. From Las Vegas and Reno to Henderson, Sparks, and beyond, we represent beneficiaries facing wrongful denials due to alleged misrepresentation, lapse, exclusions, or conflicting beneficiary designations. We’re well-versed in Nevada’s community property laws, automatic revocation statutes, and how they impact life insurance disputes. With hundreds of millions recovered for clients nationwide, we bring the experience needed to challenge insurers and win. Every case is handled on contingency—no recovery, no fee.

Denied Life Insurance Claim in Nevada? You’re Not Alone.


In Nevada, denied life insurance claims often leave beneficiaries feeling powerless and overwhelmed by complex policy language. If you’re facing a life insurance benefit denial in Nevada, The Lassen Law Firm is prepared to fight for your rights and help recover the money you’re legally owed.

In Nevada, life insurance beneficiary disputes frequently arise after divorces, remarriages, or questionable changes to a policy. If you're involved in a life insurance beneficiary dispute in Nevada, The Lassen Law Firm is ready to help you resolve the matter and fight for the payout you deserve.

In Nevada, life insurance companies often file an interpleader action in Nevada when multiple parties assert claims to the same policy, allowing the court to decide who is rightfully entitled to the proceeds.

Trusted Life Insurance Lawyers Nevada: The Lassen Law Firm

Dealing with life insurance claims in Nevada can be challenging, especially when faced with denied benefits or delayed payouts. At The Lassen Law Firm, we are committed to helping individuals and families across the Silver State recover the benefits they deserve. Whether you’re in Las Vegas, Henderson, Reno, Carson City, or anywhere else in Nevada, we provide expert legal representation tailored to your needs.

As life insurance attorneys handling cases nationwide, we’ve recovered hundreds of millions in policies for our clients. With unmatched dedication, legal expertise, and results-driven advocacy, The Lassen Law Firm is here to ensure justice for every client we represent. 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 25 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.

Denied a Life Insurance Claim in Nevada? We’ll Help You Fight for Your Benefits

Life insurance is intended to offer financial security during life’s most difficult moments. Yet in Nevada, many families find themselves battling insurance companies instead of receiving the benefits they were promised. If your life insurance claim has been denied, delayed, or reduced, you do not have to accept the insurer’s decision. Our Nevada life insurance attorneys are ready to take action on your behalf and help you recover what you are owed. If you're dealing with a denied accidental death and dismemberment claim in Nevada, our legal team can help you fight back and seek the full payout.

Insurance companies may rely on technicalities, minor mistakes, or disputed interpretations of policy terms to avoid paying claims. But under Nevada law, insurers are required to act fairly, promptly, and in good faith. If they fail to meet those obligations, you have legal options to hold them accountable. We offer free consultations, and we do not charge any fees unless we recover for you.

How the Contestability Period Impacts Life Insurance Claims in Nevada

In Nevada, life insurance policies generally include a two-year contestability period. During this window, insurers may investigate and deny claims based on alleged misstatements made in the application. However, once two years have passed, insurers are severely limited in their ability to deny claims unless they can prove actual fraud.

Even during the contestability period, Nevada law requires that a misstatement must be material to justify rescinding a policy. This means it must have affected the insurer’s decision to offer coverage or determine the policy terms. Innocent errors, minor omissions, or irrelevant mistakes do not qualify as grounds for denial.

If your claim has been denied based on contestability arguments, it is essential to have an attorney review the situation to protect your rights.

Common Reasons Life Insurance Claims Are Denied in Nevada

While the specific facts vary, insurers often rely on similar justifications when denying life insurance claims. In Nevada, common denial tactics include:

Accusations of Misrepresentation

Insurers claim that the insured failed to disclose a medical condition, hazardous activity, or tobacco use.

Policy Lapse for Nonpayment

Nevada beneficiaries often face denials due to missed payments, but the insurance lapse justification is frequently challenged when notice or billing procedures were mishandled.

Exclusions for Certain Causes of Death

Deaths from suicide during exclusion periods, illegal activities, or dangerous hobbies may be denied based on policy exclusions.

Beneficiary Disputes

Disagreements about beneficiary designations, especially if changes were made shortly before death, can delay or block payments.

Employer Errors in Group Life Insurance

Administrative mistakes during enrollment or maintenance can leave families without expected benefits.

Delays Resulting From Death Investigations

Insurers may delay claims when deaths are under investigation, but unreasonable delays can constitute bad faith under Nevada law.

Regardless of the insurer’s explanation, many denials can — and should — be challenged when they do not meet legal standards.

What to Do After Receiving a Life Insurance Claim Denial in Nevada

Taking quick action can significantly improve your chances of overturning a denial. If you’ve received a denial letter:

  • Request and save a full copy of the insurance policy, the application, and any policy amendments.

  • Review the denial letter carefully and document the insurer’s stated reasons.

  • Preserve all communications with the insurer, including letters, emails, and call notes.

  • Avoid providing any new documents or statements to the insurer without legal advice.

  • Contact a Nevada life insurance attorney immediately to begin reviewing your case and protecting your claim.

Nevada law also imposes penalties on insurers who engage in unfair claims handling or delay payment without valid reason.

How Our Nevada Life Insurance Attorneys Handle Denied Claims

Our firm is dedicated exclusively to helping beneficiaries challenge wrongful life insurance denials. When you work with us, we will:

  • Review the insurance policy, denial rationale, and application materials in detail.

  • Identify and expose weaknesses in the insurer’s denial justification.

  • Handle all negotiations and communications with the insurance company directly.

  • File administrative appeals when necessary for group life insurance claims governed by ERISA.

  • Litigate wrongful denials in Nevada courts when insurers refuse to resolve claims fairly.

  • Pursue bad faith damages if the insurer violated Nevada’s claims handling laws.

Our goal is to recover the full life insurance benefits you were promised — and to hold insurance companies accountable when they break their legal obligations.

Claims filed under FEGLI and SGLI can be unfairly denied when agencies mishandle documents or misclassify eligibility. We work with Nevada families to resolve denied Federal Employees’ Group Life Insurance claims and fight back against denied SGLI benefits for military members and their loved ones.

If your life insurance came through an employer-sponsored plan, ERISA likely governs the policy. Our attorneys help Nevada clients appeal denied ERISA group life insurance claims and ensure all legal deadlines and procedural requirements are met.

Nevada Life Insurance Claim Denials – Local Answers to Complex Questions

What should I do if my life insurance claim was denied in Las Vegas?

Act fast and get legal help. We helped a Las Vegas woman recover her husband’s denied $300,000 policy after the insurer claimed a heart condition was not disclosed. We showed the omission was immaterial and forced the company to reverse the denial.

How do I respond to a life insurance interpleader lawsuit in Nevada?

These lawsuits involve competing claimants. In Reno, a man’s girlfriend and ex-wife were both named in an interpleader filed in Washoe County District Court. We defended the girlfriend’s claim using text records and a notarized change form.

Can I challenge a suspicious last-minute beneficiary change in Henderson?

Yes. In a Henderson case, a man switched beneficiaries to a neighbor shortly before passing. The change was contested by his daughter. We presented medical evidence showing diminished mental capacity and successfully voided the alteration.

Is a lapsed policy always valid grounds for denial in Nevada?

Not if notice rules weren’t followed. In North Las Vegas, a man died three days after a missed premium. The insurer hadn’t sent the 30-day lapse notice required by NRS 688.290. We used that violation to recover the full benefit.

Can alcohol use lead to a denied accidental death claim in Nevada?

It depends on the exclusion wording. In Sparks, a man died in an ATV crash after drinking. The insurer denied his claim under an intoxication clause. We proved the alcohol didn’t cause the crash, and the base life insurance payout was secured.

What is the contestability period in Nevada, and how does it affect claims?

The first two years allow insurers to investigate application misstatements. In Carson City, a widow’s claim was denied for omitted anxiety medication. We showed the medication was irrelevant to the cause of death, and the claim was paid.

Can life insurance claims be denied over pre-existing conditions?

Only if the condition was concealed during the contestability period. In Elko, a man failed to report high blood pressure and died of cancer. We argued the condition was unrelated and overturned the denial.

What happens if a Nevada insurer claims a policy was canceled for non-payment?

We examine whether the insurer complied with notice laws. In Mesquite, a policy was terminated without a final warning letter. We used this oversight to reinstate the policy and win the payout.

What qualifies as bad faith in a Nevada life insurance denial?

Examples include delay, misrepresentation, or outright refusal to pay. In Pahrump, a claim was delayed over 100 days. We filed a bad faith action under NRS 686A.310 and recovered the benefit plus interest and attorney’s fees.

What if the death occurred overseas and the claim was denied?

Foreign death exclusions must be explicit. In Paradise, a man died while traveling in Mexico. The policy had no clear exclusion, so we successfully challenged the denial and secured full payment for the beneficiary.

Can I recover benefits if the life insurance company merged or changed names?

Yes. In Boulder City, a family held a 1990s policy from a company that no longer existed. We traced the successor carrier and recovered the benefit after confirming the policy had remained in force.

Does Nevada law revoke ex-spouse beneficiaries after divorce?

Yes, unless the policyholder reaffirmed them after the divorce. In Summerlin, a man’s ex-wife attempted to collect the benefit. We showed no reaffirmation occurred, and the court redirected the payout to his son.

What happens if there’s no named beneficiary on a Nevada policy?

The benefit goes to the insured’s estate. In Fallon, we helped a family open a probate case in Churchill County after no beneficiary was listed. The funds were distributed according to Nevada intestacy laws.

Can a will override a life insurance policy in Nevada?

No. In a case from Laughlin, a man’s will named his brother, but his policy listed his business partner. The partner received the payout because the written policy controls over the will.

How can I prove I’m the rightful beneficiary if there’s a dispute?

Gather documents showing the policy, past beneficiary changes, and communications from the insured. In Fernley, a niece was challenged by a cousin. We used emails and a recorded voicemail to confirm her designation.

Can I win a claim if an agent made an error on the application?

Yes. In Henderson, an agent marked "no" on a diabetes question without confirming. The insurer denied the claim. We proved agent negligence and enforced the policy under Nevada's doctrine of apparent authority.

Are life insurance payouts in Nevada protected from creditors?

Yes, if paid directly to a named beneficiary. In Ely, a widow worried about her late husband’s business debts. We confirmed that she, as the named beneficiary, was protected under NRS 687B.850.

Can minors receive life insurance proceeds in Nevada?

Yes. In Reno, a 10-year-old was the sole beneficiary. We helped his aunt petition the family court to set up a guardianship account to manage the funds.

Are old life insurance policies still enforceable in Nevada?

Yes. In Enterprise, a woman discovered a 1985 policy in a safe deposit box. We verified the policy was paid-up and recovered the benefit despite its age.

Can verbal promises change the beneficiary in Nevada?

No. In Sparks, a man verbally told his sister she was the new beneficiary but never updated the policy. The insurer paid the person listed in writing, and the court upheld that decision.

What happens if a claim is denied due to alleged fraud?

Insurers must prove intentional misrepresentation. In Winnemucca, a claim was denied over a supposedly omitted condition. We showed the omission was accidental and won the case after a formal appeal.

Are ERISA life insurance appeals harder in Nevada?

They are strict but winnable. In Las Vegas, a casino employee’s spouse was denied under a group policy. We filed a comprehensive appeal within the 180-day ERISA window and won in federal court.

Can you challenge a denial during the contestability period?

Yes. In Gardnerville, a man died within 20 months of coverage starting. The insurer cited a missed therapy disclosure. We showed it had no bearing on his accidental fall and reversed the denial.

Can I fight an AD&D denial based on the insurer calling the death “natural”?

Absolutely. In Paradise, a man fell from a ladder and died. The insurer cited a stroke. We hired a forensic expert who found no evidence of stroke, leading to full payment under the AD&D rider.

Can unclear policy language be used against me?

No. Nevada law requires ambiguities to be interpreted in favor of the insured. In Sun Valley, a vague "risk activity" clause was used to deny a skydiving death. We challenged the clause and secured the payout.

What if a beneficiary form was completed but never submitted?

In Henderson, a man filled out a change form but passed before turning it in. We used a scanned copy and witness testimony to prove intent, and the court awarded the benefit to the intended recipient.

What if my claim is delayed for months?

Unreasonable delay can qualify as bad faith. In Sparks, a widow waited over four months for a decision. We filed a demand letter and complaint, forcing the insurer to pay with interest.

Can group life insurance policies be denied after employment ends?

Yes, but often incorrectly. In Reno, a man passed away two weeks after leaving his job. We proved he was still within the conversion period and won benefits from the employer’s group policy.

Can multiple people claim the same policy in Nevada?

Yes. In Las Vegas, both a girlfriend and estranged son claimed a $250,000 benefit. The insurer filed an interpleader in Clark County. We proved our client’s designation and won the case.

Are benefits payable if the insured was declared legally dead?

Yes. In Ely, a hunter went missing and was declared dead after five years. We helped his spouse file the necessary paperwork and recovered the policy proceeds.

What’s the deadline to appeal a denied life insurance claim?

ERISA claims have a 180-day appeal period. For private policies, it depends on the contract. In Mesquite, we filed an appeal on day 178 and still overturned the denial.

Can I settle a Nevada life insurance claim without going to court?

Yes. In Fallon, we resolved a sibling dispute over a policy through mediation within 30 days. Court isn’t always required to get results.

What happens if the insured changed beneficiaries shortly before death?

In Carson City, a man altered his policy to name a friend instead of his daughter weeks before death. We showed diminished capacity and had the change voided in court.

What if an insurer uses vague medical history to deny the claim?

Challenge it. In Reno, an insurer denied a claim over a missed report of gout. We argued it had no link to the cause of death and recovered the payout.

Can you reopen a claim that was previously denied?

Yes, if new evidence surfaces. In Las Vegas, we reopened a two-year-old denial after finding proof the insured had requested a premium extension. We used this to force payment.

Can a claim be denied for dying during criminal activity?

Only if that activity caused the death. In North Las Vegas, a man was shot while trespassing. We proved he wasn’t committing a felony, and the insurer paid the life portion of the claim.

How do I show I’m the true beneficiary in Nevada?

In Sparks, a man’s cousin claimed to be the intended beneficiary, but wasn’t on the policy. We gathered witness statements, emails, and financial records to prove our client’s designation and secured the payout.

2025 Nevada Denied Life Insurance Claims: settlements & verdicts

Below are examples of Nevada life insurance claims successfully resolved.

  • Globe life lapse nonpayment premium $10,000.00
  • Nevada mass shooting denied claim won $108,000.00
  • Fidelity Life oxycontin exclusion $52,000.00
  • United Home Life policy lapse $25,000.00
  • Prudential Life chronic illness exclusion $343,000.00
  • American United Life suicide exclusion $101,000.00
  • Transamerica BAC level intoxication exclusion $504,000.00
  • Bestow Life wrong age on application won $77,000.00
  • Lincoln National Life self-inflicted injury exclusion $90,000.00
  • Unum bad faith denial of claim $417,000.00
  • COVID-19 death life claim denied $833,200.00
  • Country Financial dangerous activity won $52,400.00
  • Cigna interpleader lawsuit success $253,000.00
  • Transamerica accidental death vs natural $312,823.00
  • Ex-wife contested SGLI claim and we won $403,650.00
  • Coronavirus denial of life insurance claim $352,000.00
  • Southern Farm Bureau four exclusions won $109,500.00
  • Lincoln National omission on application $215,329.00
  • Nevada denied life insurance claim $1,425,000.00
  • Denied FEGLI claim paid after phone call $120,400.00
  • SGLI resolved competing beneficiaries $400,000.00
  • Colonial life material misrepresentation $213,700.00
  • Nevada divorce and life insurance $528,900.00
  • Accidental Death and Dismemberment $531,879.00
  • West Coast alcohol drunk driving $277,000.00
  • Denied life insurance claim Nevada $2,200,000.00
  • Stonebridge illegal drug exclusion won $215,000.00
  • AD&D claim denial won by our lawyers $740,600.00
  • CUNA autoerotic asphyxiation death $356,000.00
  • Primerica beneficiary dispute payout $711,800.00
  • Liberty Mutual breach of contract issue $202,400.00

Every denied claim is unique. In Nevada, we know how to maximize your chance of recovering the full life insurance payout.

Legal References – Nevada

  • Nevada Contestability Clause Law: Under Nevada Revised Statutes (NRS) § 688A.290, life insurance policies in Nevada become incontestable after being in force during the lifetime of the insured for two years from the policy's date, except for nonpayment of premiums. During this contestability period, insurers may deny claims based on material misrepresentations made in the application.​

  • Automatic Revocation of Ex-Spouse Beneficiaries: According to NRS § 111.781, a divorce or annulment automatically revokes a former spouse's designation as a beneficiary on a life insurance policy, unless the policyholder reaffirms the designation after the divorce or the policy explicitly states otherwise.​

  • Community Property Laws: Nevada is a community property state. Life insurance policies purchased during the marriage with community funds are considered community property. Upon the death of one spouse, the surviving spouse may be entitled to half of the policy proceeds, unless the policy was purchased with separate funds or designated otherwise.​

  • ERISA & Group Policies: Employer-provided life insurance policies governed by the Employee Retirement Income Security Act of 1974 (ERISA) may preempt Nevada's community property laws. In such cases, the beneficiary designation on the policy typically determines who receives the proceeds, regardless of state community property rules.

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

The Lassen Law Firm is a national practice focused exclusively on life insurance litigation. Founded by Christian Lassen, Esq., the firm has recovered hundreds of millions for clients in all 50 states. All website content is written or reviewed by Mr. Lassen personally to ensure accuracy and authority.

Denied Life Insurance Claim in Nevada? We’re Here to Help Statewide

The Lassen Law Firm represents clients throughout Nevada in life insurance disputes. We serve individuals and families in Las Vegas, Henderson, Reno, North Las Vegas, Paradise, Spring Valley, Sunrise Manor, Enterprise, Sparks, and Carson City. If your claim was denied anywhere in Nevada, we’re ready to step in and pursue the full payout on your behalf.