Life Insurance Lawyer NevadA

"Life Insurance Lawyers Serving 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, Reno, Henderson, Carson City, or anywhere else in Nevada, we provide expert legal representation tailored to your needs.

As life insurance attorneys handling cases nationwide, including Nevada, we’ve recovered over $750 million 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.

Life insurance serves as a critical financial safety net for families in Nevada, yet the claims process is not always as straightforward as policyholders might hope. While the denial of life insurance claims due to missed premium payments or non-disclosure of pre-existing medical conditions is well-known, there are several other reasons that are less commonly discussed but still lead to claim rejections. Insurers such as Prudential, Reliance Standard, and MetLife may deny claims for reasons that many policyholders aren’t prepared for, including technicalities in the wording of the policy or discrepancies in the death certificate. In such cases, it becomes vital for beneficiaries to fully understand the reasons behind a denial and the potential legal steps they can take to challenge these decisions.

One of the more obscure causes for denial involves the legal doctrine of “misstatement of age.” Life insurance policies are typically underwritten based on the age of the insured, and even a small error in reporting age can lead to complications. Some insurers, including Lincoln Heritage, Transamerica, and Ameriprise, have stringent policies when it comes to misrepresentation of the policyholder’s age, and they may deny a claim outright if they find that an error was made during the application process. The insurer may argue that the premiums collected were based on an incorrect age, and if that age disparity is significant enough, the insurer could offer a reduced payout, or worse, deny the claim entirely. This can happen even if the policyholder was unaware of the mistake and had no intention of providing false information.

Another relatively uncommon reason for claim denial in Nevada involves "contestability clauses." Life insurance contracts often include a period—usually two years—during which the insurer can contest the claim for any reason. Companies such as New York Life, Mass Mutual, and USAA are known for invoking this clause if the policyholder’s cause of death appears suspicious or if there is any indication that the policyholder made a misrepresentation when applying. This could include an unreported medical condition, a history of substance abuse, or even participation in a high-risk activity that wasn’t disclosed. While the contestability clause is meant to protect insurers from fraudulent claims, it can create frustration for beneficiaries, as the insurer will often delay or even refuse to pay out until the investigation is concluded, leaving families in limbo.

A particularly troubling situation arises when the beneficiary is caught in a conflict of interest, leading to disputes over who should rightfully receive the death benefit. These beneficiary disputes can occur for a variety of reasons, including when the policyholder names multiple beneficiaries or fails to update their beneficiary designation after a life change such as divorce or remarriage. If an ex-spouse is named as a beneficiary, even after the couple has separated, there may be a legal battle over whether that beneficiary should still be entitled to the benefit. Life insurance companies like Erie, Globe Life, and Symetra may find themselves in the middle of these disputes, unsure of how to proceed. In these cases, the insurer may opt to file a life insurance interpleader lawsuit in order to let the courts determine who is the rightful beneficiary. The interpleader lawsuit is a legal mechanism that allows the insurance company to deposit the disputed death benefit with the court and avoid liability until a judge resolves the conflict.

In addition to beneficiary disputes, Nevada residents may face another less common reason for a claim denial: "incontestability clause exceptions." While the incontestability clause generally protects beneficiaries after a certain period (usually two years) from the date the policy was issued, there are certain situations where an insurer, such as AIG, Allianz, or Guardian, may still contest the claim even after the two-year mark. This may happen in cases where the insurer can prove that the policyholder intentionally misrepresented a material fact on their application, such as concealing a history of dangerous health conditions or criminal activity. The fact that the policyholder may have lied on their application—even years after the policy was issued—can be used as a basis for denial. These cases can often be difficult to challenge, particularly if the insurer has substantial evidence to support its claim that the insured misrepresented their health or lifestyle in a significant way.

While these legal complications surrounding life insurance claims are challenging for beneficiaries, they are not insurmountable. Nevada policyholders can protect themselves by ensuring that all information provided to the insurer is accurate and up-to-date. One of the best practices is to periodically review and update the beneficiary designations to reflect any life changes, such as marriage, divorce, or the birth of children. Companies like Hartford Life, Protective Life, and Reliastar may reject claims if the beneficiary details are outdated or ambiguous, so it's important to verify that the designated beneficiary is current.

On top of this, life insurance claims in Nevada may be denied for more specialized reasons, such as exclusions for high-risk hobbies or occupations. Many insurers, including Hartford Life, Jackson Life, and Transamerica, impose exclusions for certain types of risky behavior—such as skydiving, scuba diving, or rock climbing. If a policyholder dies while engaging in one of these activities and the activity wasn’t disclosed to the insurance company at the time of application, the insurer may attempt to deny the claim, arguing that the insured was involved in an activity that was excluded from coverage. Similarly, occupations such as working in hazardous environments or handling dangerous machinery may also be a cause for rejection if not properly disclosed at the time of policy issuance.

Another issue that occasionally arises in Nevada is the "dual coverage problem." Life insurance policies are typically intended to cover only one individual at a time, but some beneficiaries may be surprised to learn that if the insured had multiple policies from different companies, the insurers may not all agree on how the death benefit is distributed. Companies like Bankers Life, Nationwide, and New York Life may each have their own set of rules for calculating and distributing the payout, and there could be a dispute over the total amount that each insurer is willing to pay. This can be particularly challenging for beneficiaries if the death occurred under complicated circumstances or if the policyholder had multiple life insurance policies issued by different companies that were unaware of one another.

Even though the process can be complex and sometimes discouraging, beneficiaries in Nevada should not give up when faced with a denial. If a life insurance claim is wrongfully denied, beneficiaries can take steps to appeal the decision or even consider filing a lawsuit if necessary. Legal professionals specializing in life insurance disputes can help beneficiaries navigate the claims process, especially when the insurer is unwilling to reconsider its decision. Attorneys can provide insight into the interpleader process and how it may affect the distribution of benefits when multiple parties are involved. Given the sometimes convoluted and frustrating nature of these disputes, it is crucial that Nevada residents protect their rights by taking appropriate legal action if their claim is unjustly denied.

Questions about life insurance claims in Nevada

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

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

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

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

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

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

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

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 Nevada?

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

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

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 Nevada?

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 Nevada?

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 Nevada state law?

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

What are the worst life insurance companies in Nevada for paying claims?

These Nevada life insurance companies deny many claims: Nevada Silver Life.

2025 Nevada Denied Life Insurance Claims

  • 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