Life Insurance Lawyer UTAH

"Life Insurance Lawyers Serving Utah: The Lassen Law Firm" Life insurance claims in Utah can be challenging, especially when dealing with denied payouts or bad faith insurance practices. At The Lassen Law Firm, we are here to help individuals and families across the Beehive State recover the benefits they deserve. Whether you’re in Salt Lake City, Provo, Ogden, St. George, or anywhere else in Utah, we provide expert legal representation and personalized support.

With a nationwide presence, including Utah, our experienced life insurance attorneys have successfully recovered over $750 million in policies for our clients. At The Lassen Law Firm, we combine legal expertise, relentless dedication, and compassionate advocacy to fight for justice for every client we serve.

One of the reasons life insurance claims in Utah are denied is due to undisclosed travel to high-risk countries. Many life insurance policies contain exclusions for individuals who travel to regions deemed high-risk because of political instability, natural disasters, or war. If a policyholder fails to disclose that they've traveled to or are planning to travel to such regions, the insurer may deny the claim. It’s crucial to review your policy’s terms regarding international travel and notify the insurance provider of any changes to your travel plans, especially with companies like AIG, MetLife, and State Farm, which may have specific clauses regarding this type of travel.

Another common reason for claim denials is participation in hazardous hobbies. Activities such as skydiving, scuba diving, rock climbing, and racing are considered high-risk and often excluded from coverage unless disclosed to the insurer. Life insurance providers like Prudential, Transamerica, and Ameriprise may offer additional coverage options for such activities, but failing to inform them about your participation in risky hobbies can lead to a denied claim. Being transparent about your hobbies and paying any additional premiums required is essential to ensuring that your beneficiaries are protected should something happen to you. Similarly, non-compliance with medical treatment can also result in a claim being denied. If you are diagnosed with a serious illness and fail to follow prescribed treatments, attend follow-up appointments, or take necessary medications, your life insurance policy could be voided. Insurers such as Mutual of Omaha, New York Life, and American Family require policyholders to maintain their health and follow medical advice closely to reduce the risk they are covering. Neglecting medical treatment may be viewed as an increased risk, which could ultimately result in a denied claim.

Participation in illegal activities is another significant reason life insurance claims are denied. If a policyholder dies due to involvement in illegal activities, such as drug-related crimes or theft, life insurance companies such as Colonial Penn, The Hartford, and Protective will almost certainly exclude the claim. Even if the illegal activity isn't directly responsible for the death, insurers may deny the claim due to suspicions surrounding the circumstances of the death. It's essential to avoid illegal behavior not only to prevent legal repercussions but also to ensure that your life insurance benefits will be honored. Disputes over policy terms can also lead to denied claims, particularly if there are disagreements about coverage amounts, exclusions, or whether the policy was in effect at the time of death. Companies like Banner, Reliance Standard, and Ameritas stress the importance of fully understanding your policy’s terms and maintaining clear records to prevent these types of disputes. It’s always a good idea to consult with your insurer if you have any questions and seek legal advice in the case of a dispute to protect your rights.

Other reasons for denied claims include using unqualified medical professionals for required exams, missed renewal or grace periods, and failure to disclose changes in occupation or lifestyle. Insurance providers such as Ladder, Aetna, and Mass Mutual often require that medical evaluations be performed by authorized professionals, and failure to comply can result in a denied claim. Additionally, missed premium payments or lapsing coverage due to failure to renew the policy can prevent beneficiaries from receiving the payout they are entitled to, as can the failure to disclose a change in occupation. Certain jobs, particularly high-risk ones like those in construction, mining, or law enforcement, may increase your premiums, and insurers like Progressive, Wells Fargo, and Fidelity & Guarantee may deny a claim if they aren't informed of these changes. Policyholders must also be mindful of natural disaster exclusions in their policies. Many life insurance companies, including Symetra, Transamerica, and Pekin, have exclusions related to deaths caused by natural disasters like floods or earthquakes, so it's crucial to check if additional coverage is needed. Finally, intoxication and pre-existing conditions that are not disclosed can also lead to claim denials, with companies like Protective, Securian, and Prudential including clauses excluding coverage for deaths resulting from substance use or failure to disclose health issues like diabetes or heart disease.

In some cases, a claim may be denied due to war or terrorism exclusions, disputes over dependent eligibility, or suspicious death investigations. If a policyholder dies in a war zone or as a result of an act of terrorism, insurers such as USAA, Allianz, and American General may deny the claim due to specific exclusions in the policy. It’s also important to ensure that all dependents listed on your policy are eligible for coverage, as some companies, such as New York Life, CMFG, and Anthem, may deny a claim if a dependent doesn't meet the insurer’s requirements. Suspicious deaths, such as those involving suicide or unexplained accidents, may trigger an investigation by the insurer, which can delay or deny the claim. In these cases, it is crucial to follow all legal procedures and notify the proper authorities to avoid complications. Additionally, residency-related exclusions may apply if you move to a region that your insurer does not cover. Insurers like MetLife, Reliastar, and Hartford Life may refuse to cover policyholders who relocate to areas with higher risks, so it's essential to inform your insurer if you move to a new location. Keeping your insurer updated on any changes to your health, activities, or personal circumstances can help ensure that your beneficiaries are protected when the time comes.

Questions about life insurance claims in Utah

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

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

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

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

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

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

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

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 Utah?

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

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

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 Utah?

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 Utah?

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 Utah state law?

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

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

These Utah life insurance companies deny many claims: Beneficial Life Insurance in Salt Lake City.

2025 Utah Denied Life Insurance Claims

  • Midland National coronavirus death $210,000.00
  • SGLI Army lost the beneficiary papers $400,000.00
  • Wilcac health history regarding heart issue $220,000.00
  • AD&D denied due to fentanyl use $580,000.00
  • Lincoln Financial lapse of policy death $304,000.00
  • United World Life denial of benefits verdict $205,000.00
  • Colonial Life wrong age on application $20,000.00
  • American United COVID-19 denial $103,000.00
  • Ethos missed five payments resolved $74,000.00
  • MetLife foreign death problem $434,900.00
  • AAA lost the beneficiary change form $50,000.00
  • ERISA appeal another win by us $163,000.00
  • Utah bad faith life insurance $845,000.00
  • Vantis would not pay out policy amount $404,000.00
  • Liberty autoerotic asphyxiation death $288,000.00
  • Utah denied life insurance claim verdict $309,000.00
  • Globe long delay policy benefits $103,000.00
  • Utah denied life insurance claim $1,140,300.00
  • AIG accidental death AD&D claim $425,000.00
  • SGLI issue beneficiary change $400,000.00
  • American General sickness exclusion $308,000.00
  • Denied life insurance claim Utah $913,000.00
  • Connecticut Mutual Life health history medical $549,000.00
  • Northwestern felony exclusion $320,000.00
  • Mass shooting in Utah life insurance $147,000.00
  • Utah divorce and life insurance $542,000.00
  • Gerber material misrepresentation $211,000.00
  • Transamerica drunk driving death $415,000.00