Mobile AL Life Insurance Lawyer
In Mobile, where Gulf Coast resilience meets deep Southern roots, life insurance disputes can arise at the worst possible time when families are grieving and least prepared to take on powerful insurers. At The Lassen Law Firm, we help Mobile residents resolve denied, delayed, or disputed life insurance claims, offering focused legal guidance and determined advocacy every step of the way.
Attorney Christian Lassen, Esq. brings over 25 years of experience handling life insurance cases nationwide. With hundreds of millions recovered, we’re proud to support families across Mobile in securing the benefits they’re rightfully owed.
Why Mobile Clients Trust The Lassen Law Firm
Life Insurance Law, Exclusively: We focus solely on life insurance disputes nothing else.
Licensed Nationwide: We handle cases involving Alabama policies, military benefits, and employer-provided plans governed by ERISA.
Direct Attorney Involvement: Clients receive hands-on guidance directly from attorney Christian Lassen.
Results for Alabama Clients
$495,000 Guardian Life after an AD&D denial involving a dockworker who died in a fall near the Port of Mobile. The insurer tried to apply an intoxication exclusion. We countered with medical documentation and secured full benefits.
$407,000 Life Claim for the family of a deployed service member stationed out of Brookley Field. A beneficiary form was rejected by OSGLI. We intervened, reconstructed the record, and resolved the claim through federal channels.
$315,000 Prudential for a Mobile policyholder after a lapse denial tied to an employer’s HR error. Our review revealed the insurer failed to send proper notices, and the full amount was paid.
Life Insurance Disputes We Handle in Mobile
AD&D and Accident-Related Denials: Including denials based on alleged alcohol, drugs, or dangerous activity.
Lapse and Termination Disputes: We examine whether the insurer followed Alabama’s legal requirements before ending coverage.
Application Misrepresentation Claims: Often raised unfairly and without real proof, we fight back with evidence and expert review.
Contested Beneficiaries: We help rightful claimants prevail in disputes involving ex-spouses, estranged family, or policy changes made under duress.
ERISA and Group Policy Denials: We handle claims involving Mobile-area employers, including federal employees and maritime workers.
Mobile Neighborhoods and Areas We Serve
Our clients come from across the Mobile region, including:
Downtown Mobile
Midtown
Spring Hill
Oakleigh
Dauphin Island
Tillman’s Corner
West Mobile
Chickasaw
Prichard
Whether your claim involves a private insurer or a government policy, we have the experience and tenacity to take it on.
Our Services
Comprehensive claim analysis and legal review
Direct negotiation with insurance companies
Federal and state litigation when required
Clear communication and strategic legal planning
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: 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!
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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 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.
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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.