Anaheim Life Insurance Lawyer
Christian Lassen, Esq. | Quoted in The Wall Street Journal | 25 Years Experience
Families in Anaheim often rely on life insurance to provide stability in households connected to hospitality, tourism, healthcare, and union based employment. When a claim is denied or delayed, insurers frequently raise exclusions, alleged lapses, or beneficiary conflicts that appear only after a death. Many Anaheim families reach out after receiving a denied life insurance claim that offers little explanation and no clear way forward.
The Lassen Law Firm represents Anaheim families and others across California life insurance disputes involving private policies, employer sponsored group coverage, 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 Commonly Disputed in Anaheim
Life insurance disputes in Anaheim often arise from:
Employer sponsored group policies tied to hospitality, tourism, and service industry work
Alleged policy lapses caused by payroll changes or missed notices
Accidental death claims involving alleged intoxication or activity exclusions
Beneficiary disputes involving second marriages or outdated designation forms
Contestability period denials raised shortly after a policy is issued
Insurers often rely on technical defenses rather than the substance of coverage.
How Anaheim Life Insurance Disputes Are Reviewed
Many Anaheim life insurance claims are governed by federal law when coverage is provided through an employer or union plan. ERISA claims, contestability disputes, and interpleader actions follow strict procedural rules that can permanently affect recovery if not handled correctly from the beginning.
Understanding how these disputes are reviewed is critical to protecting a family’s right to benefits.
Examples of Anaheim Life Insurance Disputes We Have Resolved
An accidental death claim denied after an insurer relied on a vague activity exclusion near the Platinum Triangle. Policy interpretation supported recovery under a denied AD&D claim analysis.
A policyholder’s family denied benefits after an insurer challenged personal data during the contestability period. Underwriting and application records supported recovery under a denied life insurance claim strategy.
A group policy claim denied after an insurer applied a suicide exclusion beyond the allowed timeframe. Policy terms supported recovery under a denied ERISA claim framework.
These examples illustrate how insurer defenses are challenged rather than guaranteed outcomes.
Life Insurance Disputes We Handle in Anaheim
Policy Lapse and Nonpayment Disputes
We investigate billing practices and notice compliance when a life insurance claim denied due to lapse is raised.
Accidental Death and Dismemberment Claims
We litigate denied AD&D claims involving alleged intoxication, high risk activity exclusions, or disputed causes of death.
Contestability Period Denials
We challenge weak misrepresentation arguments raised during the early policy period through a denied life insurance claim strategy.
Beneficiary Disputes and Interpleader Actions
We represent families in life insurance beneficiary disputes and insurer initiated life insurance interpleader lawsuits involving competing claimants.
Federal and Group Policy Denials
We assist Anaheim families with denied ERISA claims, denied FEGLI claims, denied SGLI claims, and denied VGLI claims affecting service members, federal employees, and union workers across Orange County.
Anaheim Neighborhoods and Communities We Serve
We represent clients throughout Anaheim and surrounding areas, including Anaheim Hills, the Platinum Triangle, West Anaheim, the Colony Historic District, the Resort District, neighborhoods near Angel Stadium, and communities bordering Garden Grove and Orange.
Do I Need an Anaheim 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, contestability challenges, and interpleader litigation, not office location.
If Your Life Insurance Claim Was Denied in Anaheim, We’re Ready to Fight
You only get one chance to recover the money your loved one intended for you. Don’t let an insurance company’s denial go unchallenged. Contact The Lassen Law Firm today for a free consultation and let us take action immediately.
Call us at 800-330-2274 or fill out our contact form to get started.
Written & Reviewed by Christian Lassen, Esq.
National Life Insurance Attorney | 25+ Years Experience
Quoted in The Wall Street Journal (May 17, 2025)
Last reviewed: Jan 19, 2026
California Disclaimer: “Prior results do not guarantee a similar outcome.”
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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“They tried to connect my father’s death to an undisclosed pre-existing condition. Christian's firm reviewed the full medical file and showed it had no bearing. Within a month, we had the check.”- Susan B.
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.
