Wilmington DE Life Insurance Lawyer
In Wilmington, Delaware’s commercial and cultural hub, life insurance claims are often wrongfully delayed or denied, adding stress during an already painful time. At The Lassen Law Firm, we provide aggressive legal advocacy for Wilmington residents facing denied or disputed life insurance and accidental death and dismemberment (AD&D) claims.
Christian Lassen, Esq., our founding attorney, grew up in Westover Hills, attended A.I. duPont High School, and earned his undergraduate degree from the University of Delaware. With over 25 years of experience and hundreds of millions recovered nationwide, his personal connection to the Wilmington community informs every case we take in the region.
Why Wilmington Families Trust The Lassen Law Firm
Exclusive Focus: Life insurance claims and AD&D litigation is all we do.
Nationwide Experience: We’ve challenged denials across all 50 states.
Direct Attorney Access: Clients communicate directly with Christian Lassen, not intermediaries.
Wilmington-Based Case Results
$475,000 secured for a family in Greenville after an AD&D denial based on misinterpreted toxicology results.
$290,000 recovered following a lapse-related denial near Trolley Square when the insurer failed to provide proper notice.
$725,000 obtained for a client in Brandywine Hills after a contested beneficiary case involving complex family dynamics.
Life Insurance Disputes We Handle in Wilmington
Denied AD&D Claims: We fight exclusions based on suicide, alcohol, and criminal activity when applied unfairly.
Lapse Disputes: Many terminations are invalid due to improper premium notices or billing errors.
Beneficiary Conflicts: From former spouses to stepchildren, we ensure the intended beneficiary receives the policy payout.
Misrepresentation Allegations: Minor or unrelated omissions often trigger unfair claim denials, these can be overturned.
ERISA Group Denials: We represent employees denied life insurance benefits under employer-sponsored group policies.
Neighborhoods We Proudly Serve in Wilmington
Trolley Square
Brandywine Hills
Greenville
Cool Spring Park
Riverfront
Forty Acres
Westmoreland
Midtown Brandywine
Comprehensive Claim Support
From the initial denial letter to litigation, we offer:
Review and preparation of all claim documentation
Legal appeals and negotiation
ERISA life insurance claim litigation
Contingency-Based Representation
No recovery? No legal fees. We are only paid if we recover benefits for you.
Call The Lassen Law Firm today at 800-330-2274 for your free, confidential consultation.
Written & Reviewed by Christian Lassen, Esq.
National Life Insurance Attorney | 25+ Years of Experience | University of Delaware Alumnus | 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 insurer said there was a misstatement in the application and flat-out denied the claim. I contacted the Lassen Law Firm, and they immediately launched a legal challenge. In the end, they got the full benefit paid without me even stepping into a courtroom.”- Karen D.
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.