Life Insurance Lawyer New Mexico

Experienced Life Insurance Lawyers New Mexico: The Lassen Law Firm Dealing with life insurance claims in New Mexico can be daunting, especially when faced with denied benefits or bad faith insurance practices. At The Lassen Law Firm, we proudly serve clients across the Land of Enchantment, from Albuquerque to Las Cruces, from Rio Rancho to Sante Fe to Roswell, and every community in between, ensuring you recover the benefits you rightfully deserve.

As experienced life insurance attorneys handling cases nationwide, we’ve recovered hundreds of millions in policies for our clients. The Lassen Law Firm combines dedication, expertise, and compassionate advocacy to fight for justice and secure the best outcomes for individuals and families. 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.

New Mexico Denied Life insurance claims: answers to common questions

What should I do if my life insurance claim has been denied in New Mexico?
If your life insurance claim was denied in New Mexico, don’t attempt to fight it alone. Contact a New Mexico life insurance attorney to evaluate the denial and take the steps necessary to recover the benefit.
How should I respond to a life insurance interpleader lawsuit in New Mexico?
If you’ve been served with an interpleader lawsuit in New Mexico, the insurer is asking the court to decide who gets the payout. You’ll need an experienced New Mexico life insurance attorney to protect your interests in court.
What happens if I’m involved in a life insurance beneficiary dispute in New Mexico?
Beneficiary disputes in New Mexico can involve ex-spouses, stepchildren, or unexpected changes to the policy. Our New Mexico life insurance lawyers are skilled at resolving such cases both in and out of court.
Why are accidental death and dismemberment claims frequently denied in New Mexico?
AD&D claims in New Mexico are often denied on the basis that the death was caused by a medical condition or intoxication rather than a true accident. We investigate and fight back when claims are unfairly denied.
Can a lapse in premiums cause a denied life insurance claim in New Mexico?
Yes, but New Mexico law requires insurers to send appropriate lapse notices. If that procedure wasn’t followed, the denial may not be valid and could be challenged successfully.
Is misrepresentation a valid reason to deny a life insurance claim in New Mexico?
Only if the misrepresentation was material and intentional. Our New Mexico life insurance attorneys regularly show that alleged misstatements were minor, irrelevant, or not intentionally misleading.
Can a life insurance claim in New Mexico be denied because of an alcohol exclusion?
Yes, some New Mexico policies contain alcohol exclusions, but we often dispute these denials when the language is unclear or when alcohol wasn’t the true cause of death.
What should I do if my ERISA life insurance claim was denied in New Mexico?
Because ERISA rules limit your legal remedies and allow only one appeal, it’s essential to have a New Mexico life insurance lawyer prepare a strong appeal before the deadline.
What does the contestability period mean for New Mexico life insurance policies?
The contestability period is typically the first two years after the policy is issued. During this time, insurers in New Mexico can deny claims based on misstatements. We often overturn these denials when the errors are not related to the death.
What if my claim denial letter cites New Mexico state law?
Just because a denial references New Mexico law doesn’t mean it’s valid. Our lawyers examine the statute cited and often find that the insurer misapplied or misunderstood the law.
Which life insurance companies deny the most claims in New Mexico?
New York Life and Knights of Columbus, both in Albuquerque, are frequently associated with denied life insurance claims in New Mexico. We represent clients with claims against any insurer.
Does divorce automatically revoke ex-spouse beneficiaries in New Mexico?
Yes, under New Mexico law, an ex-spouse is typically removed as a beneficiary after divorce unless the insured reaffirmed the designation afterward. We help clients navigate these legal questions.
Is New Mexico a community property state and how does that affect life insurance benefits?
Yes, New Mexico is a community property state. If policy premiums were paid using community funds, the surviving spouse may have a legal claim to a portion of the benefit.
Can a will override a life insurance beneficiary designation in New Mexico?
No. In New Mexico, the named beneficiary on the policy controls, not the will. However, disputes may arise if fraud or undue influence occurred during a policy change.
How much does a New Mexico life insurance attorney cost?
We handle life insurance claim denials in New Mexico on a contingency basis—meaning you pay nothing unless we win your case and recover the policy benefits.
Can a life insurance claim be denied in New Mexico for a death that occurred outside the country?
Yes, but only if the policy includes a valid foreign death exclusion. We review such denials and challenge them when exclusions are vague or misapplied.
What if a beneficiary change occurred shortly before the insured's death in New Mexico?
A last-minute beneficiary change in New Mexico can be challenged if there is evidence of undue influence, mental incapacity, or fraud. We investigate and litigate such cases.
What should I do if my New Mexico life insurance claim is delayed?
Unexplained or excessive delays in New Mexico may constitute bad faith. Our lawyers act quickly to resolve the claim or pursue compensation for improper delays.
Can New Mexico insurers deny an AD&D claim by saying the death was natural?
Yes, but we often contest this tactic. If the circumstances qualify under the policy’s accidental death criteria, we pursue full enforcement of the benefit.
Can a New Mexico life insurance agent’s mistake result in a denial?
Yes, but insurers may still be responsible if the error was the agent’s fault. Our New Mexico attorneys fight denials based on inaccurate or misleading applications filled out by agents.
What is considered bad faith in a life insurance claim denial in New Mexico?
Bad faith includes unjustified denial, failure to investigate, or misrepresenting policy terms. New Mexico law allows recovery of extra damages in bad faith cases.
Can contestability denials be appealed in New Mexico?
Yes, and often successfully. We regularly demonstrate that misstatements weren’t material or that the insurer waived its right to contest by continuing to accept premiums.
Are ERISA life insurance denials harder to challenge in New Mexico?
They can be, due to limited remedies and procedural hurdles. Our firm specializes in navigating ERISA denials and filing appeals that meet strict federal standards.
What happens if a life insurance policy in New Mexico has no named beneficiary?
If no beneficiary is listed, the policy proceeds typically go to the estate. We help families in New Mexico recover benefits through probate or alternative legal channels.
Can a suspicious beneficiary designation be disputed in New Mexico?
Yes. If there’s reason to suspect coercion, forgery, or fraud, we can challenge the designation and ask the court to honor the rightful intent of the policyholder.
Are insurers in New Mexico required to give notice before canceling a policy?
Yes. New Mexico law requires proper advance notice. If the insurer failed to comply, we can fight the denial and demand reinstatement of the policy.
How are employer and union-based life insurance policies handled in New Mexico?
Many of these plans fall under ERISA. We review policy documents and employer records to identify claim denials caused by enrollment errors or administrative oversights.
What happens if more than one person claims the same life insurance policy in New Mexico?
The insurer may file an interpleader action in New Mexico court, allowing the court to decide. We represent beneficiaries to ensure their interests are protected.
What if the insured in New Mexico disappeared and was later declared legally dead?
After a court in New Mexico issues a death declaration, we help families file the life insurance claim and secure the benefit owed.
What are the deadlines for appealing a denied life insurance claim in New Mexico?
ERISA appeals must be submitted within 180 days. Other policies may vary. We make sure your appeal meets all New Mexico and federal filing requirements.
Can verbal agreements override a life insurance policy in New Mexico?
No. New Mexico recognizes only written beneficiary designations. However, if there’s evidence of fraud or manipulation, we may pursue equitable relief.
Are life insurance benefits protected from creditors in New Mexico?
If the policy names a specific beneficiary, the proceeds are generally safe from creditors. If paid to the estate, they may become part of the probate estate and be subject to claims.
Can vague language in a life insurance policy lead to denial in New Mexico?
It can—but New Mexico courts interpret unclear policy language in favor of the insured or beneficiary. We use this legal standard to dispute denials based on ambiguity.
Can a canceled or lapsed policy still pay out in New Mexico?
Yes, in certain situations. If the insurer didn’t follow New Mexico’s required cancellation procedures or if the policyholder attempted reinstatement, we may recover the benefit.
What if a life insurance policy in New Mexico was canceled for non-payment?
We check whether the insurer complied with state notice laws. If not, the cancellation may be invalid, and the coverage could still be enforced.
Can a minor receive life insurance proceeds in New Mexico?
Yes, but a guardian or trust may need to manage the funds. We assist New Mexico families with setting up appropriate legal arrangements for minor beneficiaries.
Can a New Mexico life insurance claim be denied based on fraud?
Only if the insurer proves actual fraud. We challenge denials based on weak or unsubstantiated fraud allegations.
Can life insurance disputes in New Mexico be resolved without going to court?
Yes. Many claims are resolved through negotiation or mediation. However, we are always prepared to litigate if necessary to protect your rights.
What if a beneficiary change form was never processed by the insurer in New Mexico?
If the form wasn’t properly submitted or accepted, the change might not be valid. We investigate and pursue legal options based on the insured’s true intent.
Are older life insurance policies still valid in New Mexico?
Yes. If the policy was active at the time of death, it remains enforceable. We assist in recovering payouts from long-standing policies in New Mexico.
How can I prove I’m the rightful beneficiary under New Mexico law?
We gather documentation, policy records, and legal evidence to build a strong claim. Our New Mexico life insurance lawyers work to ensure you receive the benefit you’re entitled to.

2025 New Mexico Denied Life Insurance Claims: settlements & verdicts

AAA COVID-19 death denial won $103,200.00
Mass shooting New Mexico exclusions $44,000.00
Accidental Death & Dismemberment drugs $260,000.00
Kemper intoxication exclusion $111,000.00
American United coronavirus death $25,000.00
National Life Group felony exclusion $49,000.00
AD&D denial due to oxycontin won $208,000.00
Southern Farm Bureau wrong age $97,000.00
Midland National suicide exclusion $55,000.00
VGLI beneficiary change form $405,325.00
Ohio National chronic illness exclusion $40,000.00
Cuna Mutual felony exclusion crime $21,000.00

Lincoln Heritage interpleader lawsuit $308,000.00
Primerica self-inflicted injury suicide $212,000.00
AIG no coverage at the time of death $459,000.00
Foresters drunk driving death issue $280,000.00
New Mexico denied life insurance claim $1,357,200.00
ERISA competing claimants issue $182,000.00
Globe material misrepresentation $114,000.00
Mutual of Omaha autoerotic asphyxiation death $229,000.00
Genworth issue with grace period $102,270.00
New Mexico divorce and life insurance $826,900.00
SGLI resolution with beneficiaries $400,000.00
Transamerica policy not in force $105,000.00
FEGLI invalid beneficiary designation $135,200.00
New Mexico denied AD&D policy $754,000.00
USAA non-payment of premiums $116,000.00

While most people are familiar with the basic reasons life insurance claims can be denied—such as missed premium payments or pre-existing conditions—there are other, less common factors that can also lead to a denial. Companies like MetLife, USAA, and Transamerica may refuse to pay out claims for reasons that beneficiaries might not anticipate. In these cases, it’s important to understand the nuances of life insurance policies, common exclusions, and the legal mechanisms in place for contesting denials, including the involvement of interpleader lawsuits and beneficiary disputes.

One unexpected reason for a life insurance claim denial in New Mexico involves the "material misrepresentation" clause. Insurers such as Prudential, Lincoln Heritage, and Securian Financial may deny claims if the policyholder’s application contains any misstatements or omissions, even if they seem minor or unrelated to the cause of death. For instance, if the policyholder was asked about their medical history and failed to disclose a past condition like high blood pressure or diabetes—conditions that may not directly relate to their cause of death—the insurer might argue that this constitutes a material misrepresentation and void the policy. This type of denial is particularly frustrating because the insurer might refuse to pay out even if the cause of death wasn’t related to the undisclosed condition, leading to legal challenges from beneficiaries who feel that their loved one’s death should be covered.

In a similar vein, another less common but significant reason for life insurance denials is the "suicide exclusion." While many people know that life insurance policies typically exclude coverage if the insured dies by suicide within a specific period, the details of this exclusion can vary. Insurers like AIG, Anthem, and The Hartford may interpret this clause broadly, leading to denials even in cases where the cause of death may be borderline, such as if the policyholder engaged in self-harm or had a history of suicidal thoughts. This can lead to additional challenges, especially if the death occurred just outside of the exclusion window, or if there was no clear intention of suicide but a fatal accident instead. Insurers often carry out a thorough investigation into such claims, which can result in delays and denials if they determine that the death falls under the suicide exclusion.

Another potential reason for claim denial in New Mexico involves "improper policy changes." This situation often occurs when the policyholder changes their beneficiary, coverage amount, or other significant elements of the policy shortly before death. Companies like State Farm, Symetra, and Reliastar may find that these alterations were made without proper documentation or compliance with the terms of the policy, and they could argue that the coverage was not valid at the time of death. Even minor discrepancies, such as an unsigned beneficiary change form or lack of notarization, can lead to the insurer refusing to honor the claim. In these situations, beneficiaries are left in a difficult position, requiring legal assistance to resolve the issue.

In some instances, New Mexico beneficiaries face claim denials due to the policyholder’s involvement in activities deemed "hazardous." While many policies from companies like MassMutual, Lincoln Financial, and Reliance Standard may offer basic coverage, they often include exclusions for activities like skydiving, scuba diving, or other extreme sports. If a policyholder dies while participating in one of these activities, the insurer may deny the claim, citing the policy's exclusion for hazardous pursuits. Insurers generally expect policyholders to disclose any such activities on their applications, but it is not always clear when an activity is considered too risky or when it should have been disclosed. For example, a person who participates in recreational hiking might not view it as a hazardous activity, but if they hike in remote, dangerous areas and their death is tied to the risks associated with the activity, the insurer may find a reason to refuse the payout.

However, even less common reasons, like "insufficient proof of insurable interest," can lead to denials. Insurers such as Foresters, Globe Life, and Jackson Life may argue that the beneficiary has no legitimate financial interest in the policyholder’s life. For example, a person who is named as a beneficiary but doesn’t have a direct financial relationship with the deceased—such as a distant relative or a non-immediate family member—may be denied the death benefit. This issue often arises in situations where a life insurance policy is purchased by someone other than the policyholder, and there are questions surrounding whether the beneficiary has the legal right to the payout.

Another lesser-known reason for denial arises when there is a "failure to properly contestability clauses." During the contestability period (usually the first two years of the policy), the insurer has the right to investigate and even deny a claim if they find discrepancies or potential fraud in the policyholder’s application. This period is crucial for insurers like New York Life, American National, and Erie, which may refuse claims based on incomplete or inaccurate answers provided during the application process. This might not always be a straightforward issue but could be linked to an investigation into whether the policyholder intentionally misrepresented key information about their health, occupation, or other factors.

In addition to these uncommon reasons for claim denials, beneficiary disputes can also complicate the claims process in New Mexico. It’s not uncommon for family members, ex-spouses, or other individuals to challenge the designation of a beneficiary, especially if the policyholder's will or other legal documents are unclear. When a policyholder’s beneficiary designation is contested, insurers like Allianz, Protective Life, and Ameriprise may refuse to pay out the death benefit until the dispute is resolved in court. In these cases, the insurance company may file a life insurance interpleader lawsuit. This lawsuit allows the insurer to deposit the death benefit into the court's registry and essentially let the court decide which party is entitled to the funds. The interpleader process can cause substantial delays in the payment of death benefits, and it can be a particularly bitter experience for beneficiaries caught in the middle of a family dispute.

While the primary reason insurers pursue an interpleader lawsuit is to avoid liability, it can also arise from disagreements over the validity of the beneficiary’s claim. In cases where multiple people present conflicting evidence of their right to the death benefit, the insurer might file the lawsuit to ensure they don’t face additional legal complications down the line. Beneficiaries involved in an interpleader lawsuit are often left waiting for the courts to settle the matter, which can take a considerable amount of time. Legal counsel is typically necessary to navigate the complexities of interpleader actions and ensure that the claimant’s rights are protected.

For those dealing with life insurance denials or disputes in New Mexico, it is crucial to seek professional legal advice. When claim denials occur due to unusual or obscure reasons—such as misrepresentation, policy lapses, or ambiguous causes of death—beneficiaries should understand their options for appealing or contesting the denial. If a beneficiary dispute arises, or if the insurer is involved in an interpleader lawsuit, working with an attorney can help to expedite the process and ensure the claim is handled appropriately. It’s also important for individuals to carefully review their life insurance policies when purchasing coverage to avoid issues later on, making sure all terms and exclusions are understood before filing a claim.

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