Interpleader Lawyer

Life Insurance Lawyer Arkansas

Our life insurance lawyers in Arkansas handle delayed and denied life insurance claims, AD&D claims, beneficiary disputes and Arkansas interpleader lawsuits.

A suicide exclusion clause in a life insurance policy is a provision that restricts or limits the payment of the death benefit if the insured person dies by suicide within a specified period after the policy is issued or reinstated. The purpose of this clause is to protect the insurance company from having to pay a substantial benefit if the policyholder takes their own life shortly after obtaining the coverage.

The suicide exclusion period typically lasts for the first one or two years of the policy, but the specific terms can vary depending on the insurance company and the policy. Here are some key points about suicide exclusions:

  1. Exclusion Period: During the exclusion period, if the insured person dies by suicide, the insurance company may not pay the full death benefit. Instead, they may refund the premiums paid by the policyholder, or they may pay a reduced benefit, such as the return of premiums plus interest.
  2. Application of the Exclusion: The suicide exclusion is usually applied strictly during the exclusion period. If the policyholder dies by suicide after the exclusion period has ended (e.g., after two years), the policy typically pays the full death benefit, just like any other cause of death.
  3. State Laws: The specific rules regarding suicide exclusions can vary by state in the United States, and some states have limitations on how long the exclusion can last or when it can be applied.

Here’s an example of one life insurance claim being denied due to suicide:


  • Hank, a 35-year-old man, purchased a life insurance policy with a $500,000 death benefit from Mutual of Omaha Life Insurance Company.
  • The policy had a suicide exclusion clause that stated that if Hank died by suicide within the first two years of the policy, the company would refund the premiums paid.


  • Hank purchased the policy on January 14, 2013.
  • On December 9, 2013, less than a year after getting the policy, Hank allegedly committed suicide.

Claim Process:

  • Hank’s beneficiaries, his wife and children, filed a life insurance claim with Mutual of Omaha Life Insurance Company.
  • Upon reviewing the claim, the insurance company investigated the circumstances of Hank’s death.
  • Mutual of Omaha determined that Hank had taken his own life within the suicide exclusion period, just 11 months after obtaining the policy.

Denial of Claim:

  • Due to the suicide exclusion clause in the policy, Mutual of Omaha Life Insurance Company denied the full $500,000 death benefit.

Contesting the Denial

  • Our life insurance lawyers submitted a legal brief, and won the full amount of the policy as we argued the suicide was actually an accident, as the purpose of the autoerotic asphyxiation was pleasure not suicide.

Contact our life insurance lawyers for a free consultation.

Excluding the Cause of Death from Policy Coverage

In every life insurance policy, there are specific causes of death that are excluded from coverage, known as “exclusions.” While these exclusions can vary between policies and insurance providers, common examples include death resulting from self-inflicted injuries or acts of war or terrorism.

When an insurance company denies a claim by citing an exclusion, it’s essential to conduct a thorough investigation. Often, we can demonstrate that the exclusion does not apply to the policyholder’s situation.

If you’re facing a denied claim, don’t hesitate to reach out to AR Life Insurance Lawyers at Interpleader Lawyer. Our team has decades of experience assisting beneficiaries in getting their rightful claims paid. Insurance companies have their legal teams, and you deserve one on your side as well. Our initial consultation is free, so contact us today to discuss your case.

Policy Lapse Due to Nonpayment of Premiums

Maintaining life insurance coverage requires regular payment of premiums. Failure to pay premiums results in the policy lapsing and the coverage ending.

If your claim has been denied due to a policy lapse, it’s crucial not to accept rejection outright. Nonpayment of premiums is governed by strict regulations in every state, including Arkansas. Often, insurance companies or employers providing group life insurance may fail to adhere to these regulations, leading to lapses that are not the fault of the policyholder.

In cases where the lapse isn’t the policyholder’s fault, we’ve successfully ensured that our beneficiary clients receive their due benefits.

Misinterpretation of Policy Terms by the Insurance Company

It’s not uncommon for insurance companies to interpret policy terms in a manner that favors denying beneficiaries’ claims for death benefits. It’s important to remember that insurance companies profit when they collect premiums but deny claims.

Allegations of Misrepresentation by the Insurance Company

Insurers require detailed personal information from policyholders to assess the risk accurately. This information influences premium calculations. However, if the policyholder fails to disclose relevant information or provides false information, the insurance company may accuse them of misrepresentation.

We’ve helped numerous beneficiary clients in cases where claims were denied due to alleged misrepresentation. If your claim has been rejected on similar grounds, don’t hesitate to contact us for assistance.

What to Expect from AR Life Insurance Lawyers at Interpleader Lawyer

When you engage Interpleader Lawyer to pursue your life insurance claim, you can count on our experienced team to:

  • Review your policy comprehensively, explaining any coverage issues or exclusions.
  • Correspond with the insurance company to identify reasons for claim delays or denials.
  • Negotiate with the insurance company on your behalf to secure your claim.
  • Investigate any allegations made by the insurer in denying your claim.
  • Advocate fiercely for your claim through litigation when necessary.

Insurance companies prioritize profits, often conflicting with the interests of policyholders and beneficiaries. Our team is dedicated to ensuring that your rights are protected and that you receive the benefits you’re entitled to.

Contact us