Montgomery AL Life Insurance Lawyer
In Montgomery, Alabama’s historic capital and cultural anchor, families often face steep challenges when life insurance claims are denied, delayed, or caught in disputes. At The Lassen Law Firm, we help residents throughout Montgomery resolve complex life insurance matters whether involving private policies, accidental death coverage, or government-backed plans like SGLI or FEGLI.
With over 25 years of experience and hundreds of millions recovered, attorney Christian Lassen provides focused legal representation to help families claim the benefits their loved ones intended. We are proud to stand with Montgomery families when they need trusted legal guidance the most.
Why Montgomery Families Choose The Lassen Law Firm
Singular Focus: We work only on life insurance disputes, our full attention, every time.
Nationwide Coverage: Licensed in all 50 states, we handle both private and group life insurance claims, including federal employee benefits.
Direct Access to Legal Experience: Clients communicate directly with attorney Christian Lassen throughout the case.
Results Secured for Alabama Clients
$325,000 Lumico after a lapse-related death denial involving a long-time postal worker in Montgomery. The insurer failed to issue proper notice before terminating the policy.
$140,000 Sun Life for a family whose AD&D claim was denied due to a disputed toxicology report following a boating accident on the Alabama River. We engaged expert review and reversed the denial.
$400,000 through advocacy with OSGLI after a service member’s spouse was denied benefits due to confusion around power of attorney during deployment.
Life Insurance Disputes We Handle in Montgomery
AD&D and Accidental Death Denials: We challenge exclusions based on medication, alcohol, or alleged risky conduct.
Policy Lapses and Nonpayment Allegations: We investigate whether notice and grace period requirements were followed under Alabama law.
Application Misstatements: Insurers often use outdated or immaterial information to justify denial—this is where our litigation experience matters.
Contested Beneficiaries: These cases involve complex family dynamics or last-minute changes. We help rightful claimants prove their case.
Federal and Military Policy Denials (SGLI, FEGLI): We represent military and civil service families, including those connected to Maxwell Air Force Base and Gunter Annex.
Montgomery Communities We Serve
Our clients come from across the Montgomery area, including:
Capitol Heights
Forest Park
Old Cloverdale
East Montgomery
Chisholm
Normandale
Downtown Montgomery
Alabama State University area
Whether your case involves a private insurer or a government-backed plan, we’re equipped to move it forward with skill and urgency.
What to Expect
Detailed case evaluation
Direct negotiation with insurers
Strategic appeals and litigation when needed
Personalized legal guidance at every stage
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: 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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“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
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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.