Little Rock Life Insurance Lawyer
Christian Lassen, Esq. | Quoted in The Wall Street Journal | 25 Years Experience
Families in Little Rock often assume a life insurance claim will be paid quickly once proof of death is submitted. Instead, many are met with silence, shifting explanations, or a formal denied life insurance claim letter that cites technical reasons unrelated to the policyholder’s intent. These disputes frequently arise at the worst possible time, when families are least equipped to fight back.
The Lassen Law Firm represents Little Rock families and others across Arkansas life insurance disputes involving private policies, employer sponsored group life insurance, and federal benefit programs. Our practice is devoted exclusively to life insurance law.
Attorney Christian Lassen, Esq. has more than 25 years of experience handling life insurance litigation nationwide and has been quoted by The Wall Street Journal on insurance related legal issues. Clients work directly with him from initial review through appeal or litigation.
Why Life Insurance Claims Are Frequently Challenged in Little Rock
Life insurance disputes in the Little Rock area often stem from:
Employer provided group policies affected by medical leave or payroll interruption
Alleged policy lapses tied to billing or notice failures
Beneficiary disputes following divorce or family restructuring
Federal or military policies governed by strict administrative rules
Insurers frequently rely on paperwork issues and procedural defenses rather than the substance of the claim.
How Little Rock Life Insurance Disputes Are Reviewed
Many life insurance claims connected to Little Rock are governed by federal law, particularly when coverage is provided through an employer. ERISA cases follow rigid rules that limit evidence if it is not presented early.
Understanding how these claims are reviewed and where mistakes commonly occur is critical to protecting a family’s right to benefits.
Examples of Arkansas Life Insurance Disputes We Have Resolved
A Little Rock resident denied benefits after an employer sponsored policy was terminated during family medical leave. Review of plan documents supported recovery under a denied ERISA claim analysis.
A Hillcrest family denied benefits after a private insurer claimed the policy lapsed. Billing records and notice requirements supported recovery under a life insurance claim denied due to lapse challenge.
A service member’s family denied benefits after an insurer questioned a beneficiary designation. Military records supported recovery under a denied SGLI claim strategy.
These examples illustrate how insurer defenses are challenged rather than guaranteed outcomes.
Life Insurance Claim Issues We Handle in Little Rock
Accidental Death and Dismemberment Claims
We litigate denied AD&D claims involving intoxication allegations, criminal conduct exclusions, or disputed accident classifications.
Policy Lapse and Nonpayment Disputes
We investigate billing practices and notice compliance when a life insurance claim denied due to lapse is raised.
Application Misrepresentation Allegations
Insurers often rely on incomplete or outdated medical information. We challenge these denials with underwriting records and medical evidence.
Beneficiary and Ownership Disputes
We represent families in life insurance beneficiary disputes involving divorce, outdated forms, or competing claimants.
Federal Benefit Denials
We assist clients with denied FEGLI claims and denied SGLI claims affecting federal employees and service members across Arkansas.
Little Rock Neighborhoods and Areas We Serve
We represent clients throughout the Little Rock metro area, including Downtown Little Rock, River Market District, Hillcrest, Chenal Valley, The Heights, the University District near UAMS, West Little Rock, Pulaski Heights, Oak Forest, and Cammack Village.
Do I Need a Little Rock 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 defenses, ERISA procedures, and complex benefit claims, not office location.
No Fees Unless We Recover for You
We don’t get paid unless we win. Your initial consultation is free and confidential.
Call The Lassen Law Firm today 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: 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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“The insurer said the activity my father was doing at the time of his death wasn’t covered. Lassen reviewed the policy and showed there was no such exclusion. They got it paid out without a lawsuit.”- Deborah L.
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.
