Mobile AL Life Insurance Lawyer
Christian Lassen, Esq. | Quoted in The Wall Street Journal | 25 Years Experience
Families in Mobile facing a denied life insurance claim often discover that insurers rely on exclusions, technical policy defenses, or administrative errors that surface only after a death has occurred. These disputes are rarely straightforward and frequently involve accidental death provisions, alleged policy lapses, or federal benefit rules that are difficult to challenge without experienced counsel.
The Lassen Law Firm represents Mobile families and others across Alabama life insurance disputes involving private policies, employer sponsored group plans, maritime employment benefits, and government backed coverage such as SGLI and FEGLI.
Attorney Christian Lassen, Esq. has more than 25 years of experience handling life insurance disputes nationwide and has been quoted by The Wall Street Journal on insurance related legal issues. Clients work directly with him throughout the claim or litigation process.
Why Life Insurance Claims Are Often Disputed in Mobile
Life insurance disputes arising in the Mobile area frequently involve:
Employer provided group life insurance governed by federal ERISA law that frequently results in denied ERISA life insurance claims
Maritime, dock, and shipyard employment connected to the Port of Mobile
Military and federal employee policies with strict administrative requirements
Accidental death claims involving toxicology, workplace incidents, or alleged risk exclusions
Insurers often rely on these factors to justify delay or denial rather than paying benefits promptly.
Where Mobile Life Insurance Disputes Are Resolved
Most Mobile life insurance cases involving employer sponsored plans or federal benefits are governed by federal law and handled in federal court. Claims connected to Mobile are typically litigated in the Southern District of Alabama.
ERISA cases follow strict procedural rules that limit what evidence can be submitted later if it is not raised early. Understanding these rules is critical to preserving a family’s right to recovery.
Examples of Alabama Life Insurance Disputes We Have Resolved
An accidental death claim denied after a dockworker died in a fall near the Port of Mobile. The insurer attempted to rely on an intoxication exclusion. Medical documentation and claim file analysis showed the exclusion did not apply, resulting in full payment.
A life insurance claim involving a deployed service member connected to Brookley Field where a beneficiary designation was rejected during processing. The record was reconstructed and the claim resolved through federal benefit channels.
A lapse based denial involving a Mobile policyholder where coverage was terminated following an employer payroll error. Review of notice requirements showed the insurer failed to comply, leading to full recovery.
These examples illustrate common insurer defenses and how they are challenged.
Life Insurance Disputes We Handle for Mobile Families
Accidental death and dismemberment claim denials
Alleged policy lapse or termination disputes
Application misrepresentation allegations
Contested beneficiary and ownership disputes
ERISA governed group policy denials involving maritime and federal employment
Do I Need a Mobile Based Lawyer for a Life Insurance Claim?
Life insurance disputes are governed by contract law and federal statutes rather than local courtroom appearances. What matters most is experience with insurer tactics, ERISA procedures, and benefit litigation, not physical office location.
No Fees Unless You Win
You don’t pay unless we recover for you. Every consultation is free and confidential.
Call The Lassen Law Firm today at 800-330-2274 to speak with attorney Christian Lassen.
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: Jan 19, 2026
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!
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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.
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No. In most states, insurers must send a written notice of overdue premiums and warn of pending lapse before terminating coverage.
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The policy may still be enforceable. Beneficiaries can challenge the lapse based on the insurer’s failure to provide required notice.
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Yes. If the insured dies during the grace period, the policy is still considered active, and benefits should be paid.
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Yes. In group life insurance policies, employers sometimes fail to forward premiums properly, leading to wrongful lapse denials.
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Yes. If automatic payment setups fail through no fault of the insured, lapses may be challenged.
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Some policies automatically borrow against cash value to cover missed payments. Failure to apply this correctly can lead to wrongful lapse claims.
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Possibly. Some courts excuse nonpayment if the insured was mentally incapacitated and missed premiums without proper notice.
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No. Reinstatement must occur while the insured is alive, but wrongful lapse denials can still be challenged posthumously.
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Not without following strict notice and grace period rules. Beneficiaries can often challenge technical denials.
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Deadlines vary by state, but it’s critical to act within 1 to 5 years depending on the policy and jurisdiction.
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Not necessarily. Payments mailed within grace periods or accepted by insurers may keep coverage active.
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Bank records, payment receipts, insurer correspondence, and premium notices are key evidence.
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If the insurer used an outdated address despite updated information, lapse denials can often be overturned.
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Possibly. If the insured submitted a reinstatement application before death, it may help challenge a lapse denial.
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In some states, special grace periods and protections applied during COVID-19 emergencies. They can help fight wrongful lapses.
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Only if the insurer followed all legal notice and grace period requirements. Otherwise, beneficiaries may still recover.
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Misapplied premiums can lead to wrongful lapses — and courts often hold insurers accountable for these errors.
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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
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“They tried to connect my father’s death to an undisclosed pre-existing condition. Christian's firm reviewed the full medical file and showed it had no bearing. Within a month, we had the check.”- Susan B.
Why The Lassen Law Firm Is Different
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Proven National Results
With over two decades of exclusive focus on life insurance litigation, we’ve helped thousands of families recover wrongfully denied benefits. Our reputation for fast, strategic resolutions has made us a trusted national resource for complex claim disputes.
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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.
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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.
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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.
