Long Beach Life Insurance Lawyer
In Long Beach, where coastal living meets urban energy, families facing a denied life insurance claim often feel lost in red tape at the worst possible time. Whether you’re near Alamitos Bay, in Bixby Knolls, or anywhere along the Long Beach coastline, The Lassen Law Firm is here to help you recover the benefits your loved one intended.
Led by attorney Christian Lassen, our firm focuses exclusively on life insurance litigation. With over 25 years of experience and hundreds of millions recovered nationwide, we offer trusted legal guidance and personalized advocacy to Long Beach residents when insurers say “no.”
Why Long Beach Families Trust The Lassen Law Firm
Life Insurance Is All We Do: No personal injury, no criminal law, just focused, high-impact work on life insurance denials and disputes.
Licensed Nationwide: We handle both California-based and federal life insurance claims, including SGLI, FEGLI, and employer ERISA policies.
Attorney-Led Strategy: Every client is represented directly by Christian Lassen, not a case manager or intake coordinator.
Results for Clients in Long Beach
$420,000 for a family in Naples after an accidental death claim was denied due to alleged high BAC. We proved the exclusion did not apply and compelled the insurer to pay in full.
$98,000 in a lapse-related denial near Bluff Park. The insurer failed to provide adequate notice after a missed premium. We uncovered the administrative failure and won full benefits.
$265,000 for a beneficiary in North Long Beach after a group policy under a logistics company was improperly terminated during a medical leave. We forced resolution through an ERISA appeal.
Life Insurance Disputes We Handle in Long Beach
Accidental Death (AD&D) Denials: Including exclusions based on alleged intoxication, dangerous activity, or criminal acts.
Policy Lapse and Missed Premium Allegations: We examine whether California notice and grace period laws were properly followed.
Misrepresentation-Based Denials: These often stem from outdated health records or immaterial inconsistencies on the original application.
Beneficiary Disputes: We resolve cases involving ex-spouses, estranged relatives, or last-minute changes that delay payouts.
Federal and Group Policy Denials: We assist Long Beach families with claims involving federal benefits, union-backed policies, and ERISA-regulated employer plans.
Long Beach Neighborhoods and Areas We Serve
We proudly serve clients across Long Beach and surrounding communities, including:
Downtown Long Beach
Bixby Knolls
Belmont Shore
Naples
Los Altos
Wrigley
Alamitos Beach
North Long Beach
Bluff Heights
East Village
Whether your policy was issued by State Farm, MetLife, Guardian, or a federal agency, we bring deep legal knowledge and aggressive representation to your case.
What You Can Expect from Our Firm
Thorough case review and policy analysis
Direct insurer negotiation and appeals
Federal or state litigation if necessary
Personal communication and legal clarity
No Fees Unless We Win
You pay nothing unless we recover money for you. Consultations are always 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!
-
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.
-
No. In most states, insurers must send a written notice of overdue premiums and warn of pending lapse before terminating coverage.
-
The policy may still be enforceable. Beneficiaries can challenge the lapse based on the insurer’s failure to provide required notice.
-
Yes. If the insured dies during the grace period, the policy is still considered active, and benefits should be paid.
-
Yes. In group life insurance policies, employers sometimes fail to forward premiums properly, leading to wrongful lapse denials.
-
Yes. If automatic payment setups fail through no fault of the insured, lapses may be challenged.
-
Some policies automatically borrow against cash value to cover missed payments. Failure to apply this correctly can lead to wrongful lapse claims.
-
Possibly. Some courts excuse nonpayment if the insured was mentally incapacitated and missed premiums without proper notice.
-
No. Reinstatement must occur while the insured is alive, but wrongful lapse denials can still be challenged posthumously.
-
Not without following strict notice and grace period rules. Beneficiaries can often challenge technical denials.
-
Deadlines vary by state, but it’s critical to act within 1 to 5 years depending on the policy and jurisdiction.
-
Not necessarily. Payments mailed within grace periods or accepted by insurers may keep coverage active.
-
Bank records, payment receipts, insurer correspondence, and premium notices are key evidence.
-
If the insurer used an outdated address despite updated information, lapse denials can often be overturned.
-
Possibly. If the insured submitted a reinstatement application before death, it may help challenge a lapse denial.
-
In some states, special grace periods and protections applied during COVID-19 emergencies. They can help fight wrongful lapses.
-
Only if the insurer followed all legal notice and grace period requirements. Otherwise, beneficiaries may still recover.
-
Misapplied premiums can lead to wrongful lapses — and courts often hold insurers accountable for these errors.
-
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
-
“They rejected our claim, saying the treatment my wife was undergoing wasn’t FDA-approved. The Lassen team got expert testimony and proved the procedure wasn’t the cause of death. That made all the difference.”- Anthony J.
Why The Lassen Law Firm Is Different
-
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.
-
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.
-
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.
-
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.