Los Angeles Life Insurance Lawyer
In Los Angeles, where millions rely on financial planning to protect their future, life insurance should offer peace of mind, not legal headaches. But when benefits are denied or delayed, the stress can be immense. At The Lassen Law Firm, we help families across Los Angeles challenge wrongful denials and recover the payouts they’re entitled to receive.
Attorney Christian Lassen brings over 25 years of focused experience and has recovered hundreds of millions in life insurance benefits nationwide. Whether you're dealing with a denied accidental death claim, a contested beneficiary form, or a federal policy issue, we provide powerful legal support tailored to the unique needs of LA residents.
Why Clients in Los Angeles Turn to The Lassen Law Firm
Sole Focus on Life Insurance Law: We handle life insurance cases exclusively, every policy, every denial, every legal path forward.
Licensed Nationwide: From California-based insurers to federal programs like FEGLI and SGLI, we have the expertise to fight any denial.
Direct Attorney Access: Every client works personally with Christian Lassen, not a call center or intake coordinator.
Recent Results for California Families
$142,000 recovered for a Los Feliz resident after a disputed beneficiary form caused a delay in a USAA payout. We resolved the issue through administrative appeal and documentation review.
$60,000 secured for a Hollywood Hills family after a lapse denial tied to a postal address error. We proved the insurer failed to meet California’s notice and grace period requirements.
$625,000 obtained after an AD&D claim was denied in Venice following a bicycle accident. The insurer cited an intoxication exclusion, but toxicology results and eyewitness accounts told a different story.
Life Insurance Claims We Handle in Los Angeles
Accidental Death Denials (AD&D): Including exclusions involving drugs, alcohol, criminal allegations, or high-risk activity. We examine each clause and fight misuse.
Lapse and Nonpayment Disputes: We determine whether notice was issued, grace periods were honored, and employer obligations under ERISA were met.
Misrepresentation Accusations: Insurers often cite outdated or immaterial details from policy applications. We dispute these with hard evidence and expert support.
Contested Beneficiaries: We assist clients in resolving complex disputes involving ex-spouses, blended families, and outdated documentation.
Federal and Military Claims (FEGLI, SGLI): We represent postal workers, federal employees, and veterans across LA County.
Communities We Serve Across Los Angeles County
We assist clients in every part of the Los Angeles metro area, including:
Downtown LA
Santa Monica
Hollywood Hills
Venice
Echo Park
Los Feliz
Koreatown
East LA
South Central
Beverly Grove
Pico-Union
Brentwood
Westchester
Whether you're facing a denial from a major national insurer, a California-based group plan, or a government agency, we bring aggressive, experienced legal advocacy to your side.
What to Expect from Our Firm
Thorough policy review and claims analysis
Strategic negotiation and appeals
Litigation when necessary
Clear, compassionate client communication
No Fees Unless We Win
You owe nothing unless we recover money for you. Consultations are always free and confidential.
Call The Lassen Law Firm at 800-330-2274 today 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
-
“After waiting months with no payout, the insurer claimed we hadn’t submitted the right paperwork. The Lassen Law Firm took over, gathered the necessary forms, and pushed the claim through in under three weeks. Efficient and professional from start to finish.”- Michael H.
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.