Montgomery AL Life Insurance Lawyer
Christian Lassen, Esq. | Quoted in The Wall Street Journal | 25 Years Experience
Families in Montgomery facing a denied life insurance claim or prolonged delay often discover that insurers rely on technical defenses that have little to do with fairness or intent.
The Lassen Law Firm represents Montgomery families and others across Alabama life insurance disputes involving private policies, employer sponsored group plans, and government backed coverage such as SGLI and FEGLI.
Attorney Christian Lassen, Esq. brings more than 25 years of experience handling life insurance claim denials nationwide and has been quoted by The Wall Street Journal on insurance related legal issues. He works directly with clients from start to finish.
Why Life Insurance Claims Are Commonly Disputed in Montgomery
Montgomery based claims frequently arise from:
Employer provided group life insurance governed by federal ERISA rules that frequently lead to denied ERISA life insurance claims
Coverage interruptions during medical leave, retirement, or payroll changes
Accidental death claims involving disputed toxicology or conduct exclusions
Military and federal employee policies with strict administrative requirements
Insurers often rely on policy technicalities and procedural hurdles rather than the merits of the claim.
Where Montgomery Life Insurance Disputes Are Resolved
Many Montgomery life insurance cases, particularly those involving employer sponsored plans or federal benefits, are governed by federal law and resolved in federal court. ERISA cases follow rigid procedural rules that limit evidence if it is not submitted early in the process.
Understanding how these claims are reviewed and where disputes are decided is critical to preserving a family’s right to benefits.
Examples of Alabama Life Insurance Disputes We Have Resolved
A Montgomery postal worker’s family denied benefits after the insurer claimed the policy lapsed. Review of the file showed required notices were never properly issued, resulting in full payment.
An AD&D claim denied after a fatal boating accident on the Alabama River based on disputed toxicology findings. Independent expert review demonstrated the exclusion did not apply.
A military spouse denied SGLI benefits due to confusion involving power of attorney during deployment. Advocacy through the Office of Servicemembers’ Group Life Insurance resulted in recovery.
These examples reflect common insurer defenses and how they are challenged.
Life Insurance Disputes We Handle for Montgomery Families
Accidental death and dismemberment claim denials
Alleged policy lapse or nonpayment disputes
Application misrepresentation allegations
Contested beneficiary and ownership disputes
Federal employee and military policy denials involving SGLI and FEGLI
We routinely represent families connected to federal employment and military service, including those associated with Maxwell Air Force Base and Gunter Annex.
Montgomery Communities We Serve
We assist clients throughout the Montgomery area, including Capitol Heights, Forest Park, Old Cloverdale, East Montgomery, Chisholm, Normandale, Downtown Montgomery, and the Alabama State University area.
Do I Need a Montgomery 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 handling insurer tactics, ERISA procedures, and benefit litigation, not office location.
No Fees Unless You Win
You pay nothing unless we win your case. Every consultation is free and confidential.
Call The Lassen Law Firm at 800-330-2274 to speak 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: 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!
-
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
-
“They tried to deny my mom’s claim by referencing a vague exclusion clause. Christian quickly proved the exclusion didn’t apply. What seemed impossible at first became a closed case thanks to their persistence.”- Thomas E.
Why The Lassen Law Firm Is Different
-
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.
-
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.
