Birmingham Life Insurance Lawyer
In Birmingham, Alabama’s largest city and legal hub, families facing life insurance disputes often find themselves at odds with powerful insurers determined to delay or deny payment. At The Lassen Law Firm, we help Birmingham residents resolve denied, delayed, or disputed life insurance claims, including challenging accidental death and dismemberment (AD&D) cases.
Attorney Christian Lassen, Esq. brings over 25 years of experience focused exclusively on life insurance law. With hundreds of millions recovered for clients nationwide, our firm is proud to support families across Birmingham as they fight for the benefits their loved ones intended them to have.
Why Birmingham Families Rely on The Lassen Law Firm
Exclusive Practice Area: We don’t handle personal injury or general law, just life insurance cases.
Licensed Nationwide: We assist clients across all 50 states, including employer-based and private policies in Alabama.
Hands-On Legal Strategy: Clients work directly with Christian Lassen throughout the claim or litigation process.
Notable Results for Alabama Clients
$740,000 Metlife for a Birmingham family after a group life policy from a hospital system was terminated without proper notice during medical leave.
$680,000 MassMutual in an AD&D claim after an insurer cited a “criminal activity” exclusion following a fatal motorcycle accident in Avondale. We proved the exclusion was improperly applied.
$610,000 American General for a Hoover client whose claim was denied due to an alleged lapse. Investigation revealed billing errors by the insurer, and full payment was achieved.
Types of Life Insurance Disputes We Handle in Birmingham
AD&D Claim Denials: Including denials based on drug or alcohol exclusions, or allegations of misconduct.
Lapse Disputes: We review whether proper grace periods and notices were sent, as required under Alabama law.
Application Misrepresentation Claims: Often raised unfairly based on minor medical discrepancies or outdated health records.
Beneficiary Disputes: Involving ex-spouses, stepchildren, or conflicting paperwork that delays rightful payouts.
ERISA Group Policy Denials: We regularly handle appeals and lawsuits under federal law for Birmingham workers with employer-sponsored life insurance.
Birmingham Areas We Serve
We work with clients throughout the Birmingham region, including:
Avondale
Southside
Downtown
Five Points
Homewood
Hoover
Mountain Brook
Ensley
Crestwood
Roebuck
Whether the policy was purchased individually or provided through an Alabama-based employer, we have the experience to protect your rights and recover what you’re owed.
What We Offer
Detailed claim review and investigation
Skilled communication with insurance carriers
Federal and state litigation when needed
Guidance and support from start to finish
No Fee Unless We Win
You owe us nothing unless we recover money for you. Every case begins with a free, private consultation.
Call The Lassen Law Firm at 800-330-2274 to speak directly with attorney Christian Lassen today.
Written & Reviewed by Christian Lassen, Esq.
National Life Insurance Attorney | 25+ Years of Experience
Quoted in The Wall Street Journal (May 17, 2025)
Last reviewed: June 10, 2025
Our FAQ
Have questions? We are here to help. Still have questions or can't find the answer you need? Give us a call at 800-330-2274 today!
-
A grace period is the time after a missed payment during which the policy remains in force, usually 30 to 60 days depending on state law and policy terms.
-
No. In most states, insurers must send a written notice of overdue premiums and warn of pending lapse before terminating coverage.
-
The policy may still be enforceable. Beneficiaries can challenge the lapse based on the insurer’s failure to provide required notice.
-
Yes. If the insured dies during the grace period, the policy is still considered active, and benefits should be paid.
-
Yes. In group life insurance policies, employers sometimes fail to forward premiums properly, leading to wrongful lapse denials.
-
Yes. If automatic payment setups fail through no fault of the insured, lapses may be challenged.
-
Some policies automatically borrow against cash value to cover missed payments. Failure to apply this correctly can lead to wrongful lapse claims.
-
Possibly. Some courts excuse nonpayment if the insured was mentally incapacitated and missed premiums without proper notice.
-
No. Reinstatement must occur while the insured is alive, but wrongful lapse denials can still be challenged posthumously.
-
Not without following strict notice and grace period rules. Beneficiaries can often challenge technical denials.
-
Deadlines vary by state, but it’s critical to act within 1 to 5 years depending on the policy and jurisdiction.
-
Not necessarily. Payments mailed within grace periods or accepted by insurers may keep coverage active.
-
Bank records, payment receipts, insurer correspondence, and premium notices are key evidence.
-
If the insurer used an outdated address despite updated information, lapse denials can often be overturned.
-
Possibly. If the insured submitted a reinstatement application before death, it may help challenge a lapse denial.
-
In some states, special grace periods and protections applied during COVID-19 emergencies. They can help fight wrongful lapses.
-
Only if the insurer followed all legal notice and grace period requirements. Otherwise, beneficiaries may still recover.
-
Misapplied premiums can lead to wrongful lapses — and courts often hold insurers accountable for these errors.
-
An attorney can obtain records, challenge improper lapses, negotiate settlements, and litigate if necessary to enforce payment.
Our Clients Speak Volumes
The Right Choice for Your Claim
-
“After waiting months with no payout, the insurer claimed we hadn’t submitted the right paperwork. The Lassen Law Firm took over, gathered the necessary forms, and pushed the claim through in under three weeks. Efficient and professional from start to finish.”- Michael H.
Why The Lassen Law Firm Is Different
-
Proven National ResultsRepresenting clients coast to coast and recovering hundreds of millions in denied life insurance claims, we secure justice and peace of mind for families everywhere.
-
Recognized ExpertisePerfect 10.0 Avvo rating endorsed by over 1,700 attorneys; life member of the Multi-Million Dollar Advocates Forum; ranked among the top 1 percent of lawyers nationally for life insurance litigation.
-
Client-First AdvocacyNo upfront fees: our contingency fee guarantee aligns our interests with yours; we provide personalized, compassionate representation from your initial consultation through resolution.
-
Media & Community LeadershipQuoted in The Wall Street Journal and featured in leading legal publications; frequent speaker at national conferences; dedicated to charitable efforts supporting pediatric cancer care.