Stamford Life Insurance Lawyer
Christian Lassen, Esq. | Quoted in The Wall Street Journal | 25 Years Experience
Families in Stamford often hold life insurance through corporate employment, executive compensation packages, or long-standing private policies. When a death occurs, insurers frequently respond with technical objections rather than payment. Many Stamford families reach out only after receiving a denied life insurance claim that cites enrollment defects, exclusions, or beneficiary issues that were never raised while the policyholder was alive.
Our work in Stamford is part of our statewide practice representing beneficiaries in Connecticut life insurance disputes involving corporate, group, and federal policies.
The Lassen Law Firm represents Stamford families in life insurance disputes involving private policies, employer sponsored group plans, 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 from Stamford Are Frequently Challenged
Life insurance disputes tied to Stamford commonly involve:
Employer sponsored group life insurance governed by ERISA
Executive or supplemental policies tied to compensation plans
Alleged policy lapses caused by billing or administrative errors
Beneficiary disputes involving blended families or last minute changes
Contestability period denials following recent underwriting
Insurers often rely on procedural defenses rather than addressing whether coverage was in force at the time of death.
How Stamford Life Insurance Disputes Are Reviewed
Many Stamford based claims are governed by federal law because coverage is provided through an employer or corporate benefit plan. ERISA cases strictly limit what evidence can be considered if it is not submitted early in the administrative process.
Once deadlines are missed, the right to challenge a denial may be permanently lost.
Examples of Stamford Life Insurance Disputes We Have Resolved
A Cove neighborhood beneficiary denied benefits after an insurer rejected a late stage designation. Evidence supported recovery through a life insurance beneficiary dispute challenge.
A Shippan family denied benefits after an insurer declared the policy lapsed due to billing errors. Notice failures supported recovery under a life insurance claim denied due to lapse strategy.
A North Stamford employee’s group policy denied due to enrollment defects. Administrative records supported recovery through a denied ERISA claim appeal.
These examples reflect common insurer defenses and how they are challenged rather than guaranteed outcomes.
The Types of Life Insurance Claims We Handle for Stamford Families
Accidental Death and Dismemberment Claims
We litigate denied AD&D claims involving alleged intoxication, high-risk activity exclusions, or disputed causes of death.
Policy Lapse and Termination Disputes
We review billing records, grace periods, and notice compliance when a life insurance claim denied due to lapse is raised.
Application Misrepresentation Allegations
Insurers often rely on immaterial or outdated application information. We challenge these denials with underwriting and medical records.
Beneficiary Conflicts and Interpleader Lawsuits
We represent families in life insurance beneficiary disputes and insurer filed life insurance interpleader lawsuits involving competing claimants.
Federal and Employer Sponsored Coverage
We assist Stamford families with denied ERISA claims, denied FEGLI claims, and denied SGLI claims.
Stamford Neighborhoods and Communities We Serve
We represent clients throughout Stamford, including Downtown, Shippan, Cove, Springdale, Glenbrook, North Stamford, South End, Turn of River, Waterside, Ridgeway, East Side, West Side, and Belltown.
Do I Need a Stamford 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, beneficiary disputes, and interpleader litigation, not office location.
If Your Life Insurance Claim Was Denied in Stamford, Contact Us Now
Don’t wait. A denied claim doesn’t mean the end, it’s the beginning of your legal fight. Call The Lassen Law Firm at 800-330-2274 or complete our short contact form for a free consultation 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: Jan 19, 2026
Connecticut Required Disclaimers “Contingent fee arrangements are subject to the provisions of Connecticut Rule of Professional Conduct 1.5(c). Clients may be responsible for costs and expenses regardless of outcome.” “Unless otherwise indicated, attorneys of this firm are not certified as specialists in any area of law.”
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 insurer said the activity my father was doing at the time of his death wasn’t covered. Lassen reviewed the policy and showed there was no such exclusion. They got it paid out without a lawsuit.”- Deborah L.
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.
