Life Insurance Lawyer New York

Trusted Life Insurance Lawyers in New York: The Lassen Law Firm Navigating life insurance claims in New York can be particularly challenging, especially when dealing with denied benefits or bad faith insurance practices. At The Lassen Law Firm, we proudly help individuals and families across the Empire State recover the payouts they rightfully deserve. Whether you’re in Manhattan anywhere in New York City, Buffalo, Yonkers, Rochester, Syracuse, Albany, or any other part of New York, we’re here to provide expert legal guidance and personalized support.

As nationally recognized New York life insurance attorneys, we’ve successfully handled cases across all 50 states, with hundreds of millions in policies recovered for our clients. At The Lassen Law Firm, we combine relentless advocacy, unparalleled expertise, and compassionate representation to deliver justice for every client we serve. 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 York Denied Life Insurance CLaims: answers to common questions

What should I do if my life insurance claim in New York was denied?
If your life insurance claim has been denied in New York, you should speak with a New York life insurance lawyer immediately. Legal representation can help overturn the denial and recover the benefit you're owed.
How do I handle a life insurance interpleader lawsuit in New York?
A life insurance interpleader in New York means the insurer is asking the court to decide who receives the payout. You need a New York life insurance attorney to represent your interest and avoid losing your share of the benefit.
What if I’m involved in a beneficiary dispute over a New York life insurance policy?
Beneficiary disputes in New York often involve ex-spouses, children, or sudden changes to the policy. Our New York life insurance attorneys help resolve these conflicts and ensure your legal rights are protected.
Why do New York life insurance companies deny AD&D claims?
Accidental death & dismemberment (AD&D) claims in New York are often denied when the insurer claims the death was due to a medical condition or alcohol use. We investigate and challenge these denials aggressively.
Can a policy lapse result in the denial of a life insurance claim in New York?
Yes, but New York law requires insurers to follow strict lapse notice procedures. If they failed to do so, the policy may still be active, and we can help contest the denial.
Is a misrepresentation on a life insurance application a reason to deny benefits in New York?
It can be, but only if the misstatement was material and made with intent to deceive. Our New York attorneys often prove that minor errors were immaterial and should not void the policy.
Can alcohol exclusions be used to deny life insurance claims in New York?
Yes, some New York policies contain alcohol exclusions, but they must be specific and clearly worded. We frequently challenge these clauses when they’re overly broad or misapplied.
What should I do if my group life insurance claim was denied under ERISA in New York?
If your ERISA-governed life insurance claim was denied in New York, you only have one opportunity to appeal. Our lawyers handle ERISA appeals and litigation throughout New York.
How does the contestability period affect New York life insurance claims?
In New York, insurers can investigate claims during the contestability period, usually the first two years. We challenge denials by proving alleged misstatements were immaterial or unrelated to the death.
What happens if my claim denial letter refers to New York law?
Just because a denial references New York law doesn’t mean it’s valid. Our attorneys analyze the cited statutes and often uncover errors that justify reversing the denial.
Which life insurance companies deny the most claims in New York?
New York Life on Madison Ave, Haven Life Insurance, and Allianz Life on Wall Street are commonly cited in disputed claims. We take legal action against any insurer that wrongfully denies benefits.
Does divorce automatically revoke an ex-spouse’s beneficiary status in New York?
Yes, unless the policyholder reaffirmed the designation post-divorce. We handle New York beneficiary disputes involving ex-spouses and help determine whether the revocation statute applies.
Is New York a community property state, and does it affect life insurance claims?
No, New York is not a community property state. However, if marital funds were used to pay the premiums, a surviving spouse may still have a financial interest in the policy.
Can a will override a beneficiary designation in a New York life insurance policy?
No. The named beneficiary on the policy controls who receives the proceeds in New York, even if the will says otherwise—unless there’s evidence of fraud or undue influence.
What do New York life insurance lawyers charge to handle a denied claim?
Our New York life insurance lawyers work on a contingency fee basis. You don’t pay anything unless we recover the benefit for you.
Can a New York life insurance claim be denied if the death occurred in another country?
Yes, but only if the policy contains a valid foreign death exclusion. We dispute denials based on vague or improperly applied international exclusions.
What if the beneficiary designation was changed shortly before the insured’s death in New York?
Late beneficiary changes in New York may be invalid if made under duress or without capacity. We investigate these changes and challenge them in court when appropriate.
What should I do if my New York life insurance claim is being delayed?
Unreasonable delays in New York may constitute bad faith. We act quickly to pressure the insurer and may seek legal remedies for unnecessary delays.
Can an insurer in New York deny an AD&D claim by calling the death natural instead of accidental?
Yes, but we regularly dispute this tactic. If the evidence supports an accidental cause, we fight to enforce the AD&D provision of the policy.
Can agent mistakes on an application result in a denial in New York?
If a New York insurance agent filled out the application incorrectly, the insurer may still be responsible. We handle denials involving agent error.
What constitutes bad faith in a New York life insurance denial?
Bad faith includes denying claims without justification, failing to investigate, or misrepresenting policy terms. We pursue additional damages when New York insurers act in bad faith.
Can you appeal a life insurance denial during the contestability period in New York?
Yes, and we frequently do. We prove that alleged misrepresentations were unintentional or unrelated, and work to get the claim paid.
Are ERISA life insurance appeals more complicated in New York?
Yes, ERISA limits remedies and allows only one appeal. Our New York attorneys specialize in handling these complex federal cases.
What happens if no beneficiary is named on a New York life insurance policy?
If there’s no designated beneficiary, the benefit usually goes to the estate. We assist families with navigating New York probate and recovering life insurance funds.
Can a questionable beneficiary designation be challenged in New York?
Yes. If there’s evidence of coercion, forgery, or fraud, we can file a legal challenge in New York to contest the designation and protect the rightful beneficiary.
Are New York insurers required to provide notice before canceling a policy?
Yes, state law requires advance notice before policy termination. If this was not done properly, the cancellation may be invalid, and the benefit may still be payable.
How are union or employer life insurance policies treated in New York?
Most of these policies fall under ERISA. We examine the plan documents and challenge denials due to administrative errors or failure to enroll.
What happens if multiple people claim the same life insurance benefit in New York?
The insurer may file an interpleader in New York court. We represent clients in interpleader actions to make sure their rights are protected.
Can I recover life insurance benefits if the insured was declared legally dead in New York after being missing?
Yes. Once a court issues a legal death declaration in New York, the claim process can move forward. We assist with both the legal and insurance sides.
What’s the deadline for appealing a denied life insurance claim in New York?
ERISA claims must be appealed within 180 days. Non-ERISA policies in New York may allow more time. We ensure appeals are filed properly and on time.
Are verbal promises about life insurance enforceable in New York?
No, not typically. New York courts enforce written policy documents, but we may pursue legal remedies if fraud or manipulation is involved.
Are life insurance payouts in New York protected from creditors?
Yes, if there’s a named beneficiary. If the payout goes to the estate, however, creditors in New York may be able to access the proceeds.
Can vague or ambiguous policy language result in a denied claim in New York?
Insurers must write clear policies. In New York, any ambiguity is interpreted in favor of the policyholder or beneficiary, and we use that rule to dispute unfair denials.
Can a canceled or lapsed life insurance policy still be enforced in New York?
Yes. If the insurer failed to follow New York's required procedures or the policyholder attempted reinstatement, we may still be able to recover the benefit.
What if a policy in New York was canceled for non-payment?
We examine whether proper notice was given and whether payment options like automatic loans were available. Many non-payment denials in New York are invalid.
Can a child receive life insurance benefits in New York?
Yes, but if the child is a minor, a guardian or trust may be required. We help New York families set up proper structures to protect those funds.
Can a life insurance claim be denied based on fraud in New York?
Only if the insurer proves intentional fraud. We challenge denials based on insufficient or speculative fraud allegations.
Can a New York life insurance dispute be resolved without going to court?
Yes. Many cases settle through negotiation or mediation. We work to resolve matters efficiently while being fully prepared to litigate if necessary.
What if a beneficiary change form was completed but never processed in New York?
If the change wasn’t properly submitted or accepted, it may be invalid. We can pursue legal remedies to enforce the insured’s intent in New York courts.
Are old life insurance policies still valid in New York?
Yes. As long as the policy was active at the time of the insured’s death, it remains enforceable under New York law. We help recover benefits from policies decades old.
How do I prove I’m the rightful beneficiary under New York law?
We gather documentation, witness statements, and legal records to support your claim. Our New York life insurance attorneys fight to secure your rightful benefit.

2025 New York Denied Life Insurance Claims: settlements & verdicts

Mass shooting New York denied life insurance claim $306,000.00
Globe self-inflicted injury or suicide exclusion $218,100.00
Transamerica illegal activity felony exclusion $379,000.00
AIG interpleader lawsuit beneficiaries won $436,000.00
ERISA insufficient documents to support claim $147,000.00
New York denied life insurance claim $2,589,300.00
SGLI invalid beneficiary issue resolved $400,000.00
American Fidelity interpleader lawsuit $308,000.00
State Farm spouse and ex-spouse dispute $175,000.00
Denied life insurance claim New York $1,264,000.00
Stonebridge medical records reveal omission $250,000.00
Citizens Life autoerotic asphyxiation death $300,000.00
Mass Mutual bad faith denial of claim won $425,000.00
Reliance Standard beneficiary dispute $101,000.00
Denied AD&D policy New York $1,000,000.00
Bankers Life prescription drug exclusion $214,000.00
Genworth ambiguous language of policy $126,000.00
Principal suspicious circumstances resolved $292,000.00
New York divorce and life insurance $3,019,200.00
Foresters misstatement of age on application $127,000.00
The Hartford foreign death problem settled $389,000.00
Prudential accidental death and dismemberment $415,700.00

In New York, life insurance is an essential tool that provides financial support to loved ones when someone passes away. However, despite the initial peace of mind that comes with having life insurance coverage, many beneficiaries are left frustrated and confused when their claims are denied. Life insurance companies, including well-known names like American General, AARP, and MetLife, often deny claims for various reasons. New York residents may find themselves facing an uphill battle when trying to receive the benefits their deceased family members were promised. Understanding the potential reasons for claim denials and the steps to take when such denials occur is vital for ensuring that families in New York are not unfairly denied the protection they deserve.

One of the most common reasons for claim denials in New York is the failure to disclose accurate health information on the life insurance application. Insurance companies such as Banner, MetLife, and Lincoln Heritage have rigorous underwriting processes in place, where they assess the insured’s health history and lifestyle choices. If the insured person failed to provide accurate or complete information about their medical conditions, lifestyle, or any pre-existing conditions, the insurer may deny the claim. This can happen even if the cause of death is unrelated to the non-disclosed condition. For example, if the insured person neglected to disclose a history of smoking or a heart condition, and then died from an unrelated cause, companies like Reliance Standard and Midland National might still choose to void the policy based on the misrepresentation, even though the cause of death had no connection to the health issue. This practice, known as contestability, is common with insurance companies and can leave beneficiaries in a difficult situation, where they feel they are unjustly denied the benefits they were promised.

Another common reason for denial in New York is due to policy exclusions. Life insurance policies issued by companies like Hartford Life, Jackson Life, and Foresters often include clauses that exclude certain causes of death, such as suicide, death due to drug or alcohol abuse, or death resulting from participation in risky activities. These exclusions are clearly outlined in the policy, but they can be difficult for policyholders to fully understand, especially if they are unfamiliar with the specific terms and conditions of their coverage. If a person dies under circumstances that fall within these exclusions, such as a suicide within the first two years of the policy or while engaging in dangerous recreational activities, insurers like Lumico and USAA may deny the claim outright. Additionally, if the insured individual dies as a result of a pre-existing health condition that was not disclosed at the time of application, companies like Symetra, Transamerica, and AAA may deny the claim based on those exclusions. These clauses can be confusing and may be overlooked, leading to a sense of betrayal and shock when the family learns their claim has been rejected.

In New York, another frequent issue with life insurance claims denials arises during the contestability period. Many policies include a contestability clause, which allows insurance companies like Ameritas, Globe, and Horace Mann to investigate the circumstances surrounding the death and potentially reject the claim if it falls within the first two years of the policy. This period is designed to protect the insurer against fraud, but it can be frustrating for beneficiaries who are left waiting for the payout. The insurer has the right to scrutinize the insured's medical history, lifestyle, and even the cause of death during this time. If there are any discrepancies or perceived misrepresentations in the original application, the claim could be denied even if the death was unrelated to the issue. Companies like Columbian Mutual, Integrity, and Corebridge frequently invoke this clause to delay or deny claims, which can be especially challenging for families who are already dealing with the loss of a loved one.

A particularly difficult situation for many beneficiaries in New York arises from policy lapses due to non-payment of premiums. Life insurance policies from companies like Mass Mutual, Pekin, and Prosperity may lapse if premiums are not paid on time. If the insured person passes away after the policy has lapsed, insurers like Trustmark, Wells Fargo, and Anthem may argue that the policy is no longer in force and deny the claim. This can be a tragic oversight, especially if the policyholder had every intention of keeping their insurance in place. In New York, where financial hardship can often lead to missed premium payments, families may find themselves without the coverage they thought they had. Beneficiaries should be aware of the grace periods allowed for premium payments and ensure that their policies remain active to avoid such denials.

Administrative errors and technicalities are also significant contributors to life insurance claim denials in New York. Smaller insurance companies like CMFG, Dearborn, and First Colony have been known to deny claims due to minor mistakes, such as missing signatures or incorrect beneficiary information on the application. These errors, while seemingly insignificant, can be used by insurers as a reason to reject a claim. This can be particularly frustrating for beneficiaries who may have submitted the necessary paperwork in good faith but find their claim denied on a technicality. Even large companies like Humana, Mutual Savings, and State Life may deny claims if there are issues with documentation or other administrative processes. While these kinds of denials are not always related to the policyholder’s health or lifestyle, they can still lead to significant delays and additional stress for the grieving family.

In New York, where many residents rely on life insurance for financial protection, the failure to understand the terms and conditions of a policy is another key reason for denial. Policies issued by insurers like TIAA, Alfa, and National Western may contain language or exclusions that the policyholder did not fully comprehend. For example, certain policies may include limitations on the amount of coverage or stipulate that benefits will only be paid if the insured person’s death meets specific criteria. If the policyholder does not fully understand the impact of these terms, they may not realize that certain circumstances could lead to a denial of the claim. Companies like Assurant, Progressive, and Protective are known for having complex policies with fine print that can easily be misunderstood. In these cases, beneficiaries are often left with little recourse if their claim is denied due to misinterpretation of the policy's provisions.

Moreover, larger insurance companies such as Prudential, Sagicor, and Securian may deny claims if they believe the insured individual did not meet the required conditions for coverage, such as maintaining good health or providing accurate personal information during the application process. These companies often conduct extensive investigations into the insured’s medical records, family history, and even their lifestyle. If there is any inconsistency between the information provided on the application and the cause of death, companies like State Farm, The Hartford, and Unum may dispute the claim, leaving beneficiaries feeling as if they are being penalized for minor or accidental discrepancies. This can be a particularly difficult situation, as families may not have the resources or expertise to navigate the complex appeals process required to overturn such a denial.

The good news for New York residents is that they do have options when facing a denied life insurance claim. The New York Department of Financial Services provides a consumer assistance program that can help beneficiaries file complaints and receive support when dealing with an insurer. Working with a lawyer who specializes in life insurance law can also be an effective strategy for challenging a denial. Lawyers can review the policy, investigate the cause of the denial, and help beneficiaries pursue a legal course of action to ensure they are treated fairly. Many insurers, including companies like Liberty Mutual, Liberty National, and Lincoln Financial, have an appeals process in place, which allows beneficiaries to contest a denial and provide additional evidence to support their claim.

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