Fayetteville Life Insurance Lawyer
In Fayetteville, where Razorback pride meets the beauty of the Ozarks, families should never have to fight alone when life insurance benefits are withheld. At The Lassen Law Firm, we help Fayetteville residents overcome denied, delayed, or disputed life insurance claims and recover the payouts they’re rightfully owed.
With over 25 years of experience and hundreds of millions recovered nationwide, attorney Christian Lassen leads a firm that focuses exclusively on life insurance law. We provide aggressive, compassionate representation to families across Northwest Arkansas.
Why Fayetteville Clients Choose The Lassen Law Firm
Life Insurance Law Only: We don’t juggle multiple practice areas. We focus solely on life insurance disputes, bringing sharp strategy and deep legal knowledge to every case.
Licensed Nationwide: Whether the claim involves an Arkansas policy, employer group coverage, or federal benefits like FEGLI or SGLI, we handle it with skill and precision.
Attorney-Led Representation: Every case is handled personally by Christian Lassen, not handed off to associates or outsourced teams.
Results for Arkansas Families
$355,000 recovered after a denied claim involving a truck driver from Fayetteville whose AD&D policy was voided due to an “intoxication” exclusion. We challenged the toxicology timing and proved the cause of death was unrelated.
$76,000 secured in a case near Mount Sequoyah involving a policyholder’s misstated age. The insurer attempted to void the policy entirely. We argued partial adjustment was legally required and won full payout.
$288,000 obtained for a Wilson Park family after a FEGLI claim was denied due to a disputed beneficiary form submitted just before federal retirement. We reconstructed the chain of documents and reversed the denial.
Life Insurance Claim Types We Handle in Fayetteville
Accidental Death (AD&D) Denials: We challenge exclusions related to drugs, alcohol, risky conduct, or improper policy interpretation.
Policy Lapses and Grace Period Failures: We investigate whether insurers followed Arkansas notice laws and employer obligations before canceling coverage.
Misrepresentation Claims: These often rely on outdated or misunderstood application data. We bring clarity and legal pressure.
Contested Beneficiary Disputes: We represent the rightful beneficiary when multiple claimants, outdated forms, or family conflict create confusion.
Federal and Employer-Based Denials: We assist with denied claims involving government employees, veterans, and group plans under ERISA or FEGLI.
Fayetteville Neighborhoods and Communities We Serve
We represent clients across Fayetteville and surrounding Washington County communities, including:
Dickson Street
Mount Sequoyah
University District
Wilson Park
Downtown Fayetteville
Root School area
East Fayetteville
Uptown Fayetteville
Farmington
Whether your case involves a national insurer or a federal agency, we bring the legal experience and personal commitment to move your claim forward.
Our Services Include
Detailed claim review and strategy
Insurer communication and appeals
Litigation support in state or federal court
Responsive updates and hands-on legal care
No Fees Unless We Win
We only get paid if we recover benefits for you. Consultations are free and confidential.
Call The Lassen Law Firm at 800-330-2274 to speak directly 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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“We were told the policy lapsed before my mother died. But we had receipts showing otherwise. Lassen Law Firm used them to force the company to honor the contract. They don’t mess around.”- David K.
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.