Little Rock Life Insurance Lawyer
In Little Rock, where the Arkansas River winds through a city rich with Southern tradition and modern growth, life insurance disputes can arise when families are already in crisis. At The Lassen Law Firm, we help Little Rock residents challenge denied, delayed, or disputed life insurance claims with focus, urgency, and proven results.
Led by nationally recognized attorney Christian Lassen, our firm handles life insurance litigation exclusively. With over 25 years of experience and hundreds of millions recovered, we bring deep legal knowledge and a personal commitment to every client we represent.
Why Little Rock Families Trust The Lassen Law Firm
Focused Experience: Life insurance cases are all we do, no distractions, no shifting priorities.
Nationwide Practice: We handle claims in all 50 states, including Arkansas-based disputes involving group, private, and military policies.
Attorney-Directed Advocacy: Clients receive personal, direct attention from attorney Christian Lassen at every stage of the claim.
Recent Successes for Arkansas Clients
$215,000 after an employer-provided policy was wrongfully terminated during a family medical leave. The employer failed to notify the Little Rock resident of their continuation options under ERISA.
$390,000 for a Hillcrest family after a policy sold in Pulaski County was declared lapsed. We proved the insurer never issued a legally required grace period notice.
$350,000 in an SGLI denial involving a service member stationed out of state. A disputed beneficiary form was resolved using archived documentation and military records.
Life Insurance Claim Issues We Handle in Little Rock
Accidental Death Denials (AD&D): Including exclusions for intoxication, criminal activity, or “hazardous conduct.” We evaluate the policy’s fine print and hold insurers accountable.
Lapse and Nonpayment Disputes: We investigate whether the insurer followed Arkansas law regarding notices, grace periods, and premium billing practices.
Misrepresentation Allegations: These claims often target older or medically complex applicants. We expose flawed underwriting processes and push for payout.
Contested Beneficiary Cases: We represent rightful claimants in disputes involving divorce, outdated forms, or conflicting paperwork.
Federal Claims (SGLI, FEGLI): We assist federal employees and service members across Arkansas whose benefits are delayed or denied through bureaucratic missteps or incomplete records.
Little Rock Neighborhoods and Areas We Serve
We work with clients throughout the Little Rock metro area, including:
Downtown Little Rock
River Market District
Hillcrest
Chenal Valley
The Heights
University District (UAMS area)
West Little Rock
Pulaski Heights
Oak Forest
Cammack Village
Whether your claim involves a private insurer, an employer-sponsored plan, or a federal policy, we bring the legal firepower to resolve it and recover the benefits you’re owed.
What We Provide
Strategic policy and denial analysis
Full communication with insurers or agencies
Appeals, litigation, and court intervention when needed
Clear legal advice and consistent updates
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: 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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“The insurer said there was a misstatement in the application and flat-out denied the claim. I contacted the Lassen Law Firm, and they immediately launched a legal challenge. In the end, they got the full benefit paid without me even stepping into a courtroom.”- Karen D.
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.