Life Insurance Lawyer Raleigh NC
"Life Insurance Lawyers for Raleigh, NC – The Lassen Law Firm" In Raleigh, the vibrant capital of North Carolina, celebrated for its thriving tech industry, historic charm, and lush greenery, navigating life insurance claims can still be a stressful and overwhelming process—especially when benefits are unfairly delayed or denied. At The Lassen Law Firm, we are dedicated to helping families and individuals in Raleigh secure the financial protection they deserve. Whether you’re near the bustling Downtown district, the serene Pullen Park, or anywhere across Wake County, we provide trusted legal expertise and personalized support every step of the way. Our experienced and trusted North Carolina life insurance lawyers are here to help.
With a nationwide track record of recovering hundreds of millions in life insurance claims, The Lassen Law Firm delivers compassionate advocacy, relentless representation, and trusted results for Raleigh residents seeking justice in insurance disputes.
2025 Raleigh NC Denied Life Insurance Claims
- Unum mispresentation claim $625,000.00
- Ohio Nation two exclusions $340,000.00
- Lincoln National suicide exclusion $270,000.00
- Raleigh life insurance claim $500,000.00
- Veterans life claim dispute $400,000.00
- FEGLI beneficiary dispute $300,000.00
- TIAA interpleader claim $159,000.00
- LIcoln Heritage life dispute $600,000.00
Raleigh Denied Life Insurance Claims: Answers to Common Questions
Can a life insurance claim in Raleigh be denied if the insured didn’t disclose past prescription drug use?
Yes, but only if the omission was material and intentional. We recently overturned a Raleigh denial where the insurer exaggerated the significance of a minor prescription that had no link to the insured’s death.
Does North Carolina law revoke an ex-spouse’s beneficiary status after divorce in Raleigh?
Yes. Divorce automatically cancels an ex-spouse’s rights unless reaffirmed. We defended a Raleigh client’s claim when an insurer tried to honor an outdated designation in favor of a former spouse.
What is an interpleader lawsuit in a Raleigh life insurance case?
If multiple people claim the same death benefit, the insurer can file an interpleader. We successfully resolved a Raleigh interpleader where children and a new spouse both asserted rights to the policy proceeds.
Can a policy lapse in Raleigh if the premium was only a few days late?
Not necessarily. Insurers must honor grace periods and send proper notices. We reinstated a Raleigh client’s policy after proving the lapse notice was defective.
What happens if no beneficiary is listed on a Raleigh life insurance policy?
The benefit usually goes to the estate. We helped an estate administrator in Raleigh secure life insurance proceeds through Wake County probate after the absence of a named beneficiary caused delays.
Can a claim in Raleigh be denied due to intoxication if the insured died in an accident?
Only if the policy has a clear intoxication exclusion and proof shows substance use contributed to death. We defeated a Raleigh denial where toxicology results were inconclusive and irrelevant.
Can someone challenge a late beneficiary change made right before death in Raleigh?
Yes. We overturned a beneficiary change in Raleigh by proving the insured lacked mental capacity and was under undue influence at the time.
Does North Carolina have community property laws affecting Raleigh life insurance claims?
No. North Carolina is not a community property state. We protected a named beneficiary’s rights in Raleigh when surviving relatives argued for a share of the proceeds.
Can a life insurance claim be denied in Raleigh based on a forged beneficiary form?
Yes. We successfully challenged a Raleigh forgery case, using handwriting analysis to restore the rightful beneficiary’s claim.
Can a minor child in Raleigh receive life insurance proceeds directly?
No. Funds must be managed by a guardian or placed into a custodial account. We helped a Raleigh family establish guardianship to protect minor beneficiaries' inheritance.
What if the insurer in Raleigh delays payment on a valid claim?
North Carolina law requires prompt payment. We recovered benefits—and interest penalties—for a Raleigh client after excessive insurer delay.
Can a will override a named life insurance beneficiary in Raleigh?
No. The policy’s beneficiary controls. We defended a Raleigh client’s life insurance rights against family members who tried to argue the will should control distribution.
What happens if a Raleigh life insurance policy was provided by an employer?
Employer-provided life insurance often falls under ERISA, a federal law. We navigated Raleigh ERISA claims to secure payouts that state law alone couldn’t protect.
Can a Raleigh resident name a friend as a life insurance beneficiary?
Yes. We defended a non-relative beneficiary’s payout in Raleigh when distant family members challenged the insured’s decision.
What should I do if the insurer claims “material misrepresentation” on a Raleigh application?
Request full underwriting records. We reversed a Raleigh claim denial by showing the alleged misstatement had no bearing on risk assessment.
Can life insurance in Raleigh be split between multiple beneficiaries?
Yes. We successfully enforced an unequal split among beneficiaries in a Raleigh life insurance case where the percentages were clearly documented.
Can a life insurance claim be denied in Raleigh based on suicide?
Only during the suicide exclusion period, typically the first two years. We forced a payout in Raleigh where the insurer wrongly tried to apply the exclusion after the coverage period had passed.
What happens if a Raleigh beneficiary change was never submitted to the insurer?
It’s not enforceable. We protected a Raleigh client’s payout when an unsigned change form was discovered after the policyholder’s death.
Can a Raleigh life insurance claim be reopened if new documentation becomes available?
Yes. We successfully reopened a denied Raleigh claim after producing new medical records that clarified the cause of death and eligibility for benefits.
How long do you have to file a lawsuit over a denied life insurance claim in Raleigh?
Generally three years. We emphasize acting quickly in Raleigh cases, especially when ERISA policies or contractual deadlines could shorten the window to sue.
For more information on insurance regulations and consumer protections in North Carolina, you can visit the North Carolina Department of Insurance. Additionally, the National Association of Insurance Commissioners (NAIC) provides nationwide insurance resources.