San Jose Life Insurance Lawyer
In San Jose, the fast-moving capital of Silicon Valley, families often count on life insurance to provide long-term security. But when a claim is denied or delayed, the financial consequences can be immediate and devastating. At The Lassen Law Firm, we help San Jose residents challenge wrongful denials and recover the benefits they’re owed no matter how complex the policy or how aggressive the insurer.
With over 25 years of experience and hundreds of millions recovered, attorney Christian Lassen leads a firm that focuses solely on life insurance litigation. We bring legal precision, responsive service, and relentless advocacy to every case.
Why San Jose Clients Choose The Lassen Law Firm
Focused Practice: Life insurance law is all we do. We handle private, group, and federal claims with unmatched experience.
Nationwide Representation: Whether your policy is from Voya, Navy Mutual, FEGLI, or an employer plan, we’re licensed to litigate in all 50 states.
Attorney-Handled Cases: Clients work directly with attorney Christian Lassen, not assistants or outsourced legal teams.
Results for Silicon Valley Families
$159,000 after Voya denied a payout based on an intoxication exclusion. We demonstrated the clause was misapplied and secured full benefits for the family.
$409,800 for a family near Almaden Valley after a Navy Mutual policy was tied up in a contested beneficiary change. We resolved the dispute and recovered the full payout.
$281,000 for a San José State University employee’s spouse after an ERISA group policy was improperly terminated during a job transition. We proved continuation rights were violated and recovered full benefits.
Life Insurance Disputes We Handle in San Jose
Accidental Death (AD&D) Denials: Including exclusions involving alcohol, medication, or high-risk activity clauses.
Policy Lapse Disputes: We evaluate whether proper premium notices and grace period rules under California law were followed.
Misrepresentation Allegations: Insurers often deny claims based on medical disclosures, outdated applications, or minor inaccuracies. We challenge these denials head-on.
Contested Beneficiaries: Including disputes involving last-minute changes, family conflict, or competing claims involving international heirs.
Federal and Group Policy Denials: We assist with SGLI, FEGLI, VGLI, and employer-based coverage common in San Jose’s tech, education, and public sectors.
San Jose Neighborhoods and Communities We Serve
We help clients across San Jose and Santa Clara County, including:
Downtown San Jose
Rose Garden
Willow Glen
Santana Row
Almaden Valley
Berryessa
Evergreen
Japantown
Cambrian Park
East San Jose
Silver Creek
Whether your claim involves a private insurer, employer-provided coverage, or federal benefits, we bring the legal firepower to hold insurers accountable.
What to Expect from Our Firm
Thorough policy and denial analysis
Clear, direct communication
Appeals and litigation when needed
Relentless pursuit of results—no shortcuts
No Fees Unless We Recover for You
We don’t charge a fee unless we win your case. Consultations are always free and confidential.
Call The Lassen Law Firm at 800-330-2274 to speak with attorney Christian Lassen today.
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 company claimed my dad died during a criminal act and denied the policy. Christian’s firm conducted their own investigation, cleared his name, and the benefit was paid in full. They didn’t back down.”- Steven
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.