Hartford Life Insurance Lawyer
In Hartford, Connecticut’s capital and one of the oldest cities in the country, life insurance should bring peace of mind, not unnecessary legal battles. Yet for many families, denied or delayed life insurance claims only add to the stress of an already difficult time. At The Lassen Law Firm, we help Hartford residents recover the benefits they were promised by challenging wrongful denials head-on.
With over 25 years of experience and hundreds of millions recovered for clients nationwide, attorney Christian Lassen leads a firm focused exclusively on life insurance litigation. We serve clients throughout the Hartford area, from the heart of downtown to the West End and beyond.
Why Hartford Families Choose The Lassen Law Firm
Only Life Insurance Cases
Our entire practice is dedicated to resolving denied, delayed, or disputed life insurance claims. No distractions. No dilution.
Attorney-Handled Representation
You’ll work directly with Christian Lassen, no hand-offs to junior staff.
Proven National Results, Local Strategy
We bring national litigation firepower with an understanding of Connecticut-specific laws and insurer tactics.
Life Insurance Denial Issues We Handle in Hartford
Accidental Death Denials (AD&D)
Insurers often misuse policy language to avoid paying. We challenge exclusions involving substance use, risky activities, or vague circumstances.
Lapsed Policy Disputes
We review whether Hartford-area insurers complied with notice rules and grace period requirements before canceling coverage.
Misrepresentation & Contestability
Many denials rely on irrelevant or outdated policy application details. We dispute weak claims with medical, legal, and factual evidence.
Beneficiary Conflicts & Interpleaders
When multiple people claim a benefit, we represent rightful beneficiaries and fight for prompt resolution.
Group Life, ERISA & Federal Policies
From employer-sponsored coverage to FEGLI and SGLI claims, we navigate complex systems and strict appeal deadlines.
Hartford Claim Results
$337,000 recovered for a family in the South End after a denied FEGLI policy was reinstated through a federal appeal.
$215,000 paid to a West End resident after an AD&D denial citing medical exclusions. We overturned it with expert testimony.
$500,000 secured near Asylum Hill following a dispute over a last-minute beneficiary change. We proved undue influence and restored the original designation.
Hartford Neighborhoods We Serve
Our clients come from across the city, including:
Downtown Hartford
Asylum Hill
West End
South End
Blue Hills
North Meadows
Barry Square
Sheldon–Charter Oak
Frog Hollow
Parkville
Clay Arsenal
Behind the Rocks
Whether your claim involves a national insurer, an ERISA-governed plan, or a federal life policy, we bring personalized attention and unmatched legal experience to the table.
What to Expect from Our Firm
Full case evaluation at no cost
Personalized legal advice and strategy
Skilled negotiations with insurers
Litigation in Connecticut courts when necessary
No fees unless and until we recover benefits for you
Denied Life Insurance Claim in Hartford? Let Us Help
Don’t accept a denial without understanding your rights. Call The Lassen Law Firm at 800-330-2274 or complete our online form for a free consultation. We’re ready to fight for your full payout and we don’t get paid unless you do.
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 11, 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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“We were told the policy lapsed before my mother died. But we had receipts showing otherwise. Lassen Law Firm used them to force the company to honor the contract. They don’t mess around.”- David K.
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.