Fort Lauderdale Life Insurance Lawyer
In Fort Lauderdale, where winding canals, sandy beaches, and thriving neighborhoods define daily life, dealing with a denied or delayed life insurance claim can feel like a punch to the gut especially when your family is already grieving. At The Lassen Law Firm, we represent Fort Lauderdale families who are facing unfair life insurance denials and help them recover the benefits they’re owed.
Led by nationally recognized attorney Christian Lassen, our firm focuses exclusively on life insurance litigation. Whether your claim involves a lapse, a denied accidental death payout, or a contested beneficiary, we bring the experience and aggressive representation you need to take on major insurers.
Why Fort Lauderdale Families Trust The Lassen Law Firm
Focused Practice: We only handle life insurance cases. That means every strategy, appeal, and lawsuit is driven by deep experience in this niche.
Proven Success: We’ve recovered hundreds of millions for clients nationwide.
No Fees Unless We Win: You pay nothing unless we recover money for you.
Direct Attorney Access: You’ll speak directly with Christian Lassen, never shuffled to a case manager or junior associate.
What We Handle in Fort Lauderdale
Policy Lapse and Grace Period Denials
We challenge improper lapse notices and missed premium accusations, especially when the insurer failed to comply with Florida’s statutory notice requirements.
Accidental Death (AD&D) Claim Denials
Insurers often cite alcohol, drug use, or criminal activity to deny claims. We investigate and push back when exclusions are misapplied.
Contested Beneficiaries and Interpleaders
When more than one person claims the payout, we step in and protect your legal rights with clear, aggressive representation.
Federal and Group Policies
We handle FEGLI, SGLI, and ERISA-regulated group coverage claims across South Florida.
Application Misrepresentation Disputes
Denials based on minor errors or irrelevant health disclosures can often be overturned. We know how to break down weak contestability arguments.
Recent Fort Lauderdale Case Results
$290,000 secured for a client near Rio Vista after a lapse denial related to a billing address error. We proved the insurer failed to give proper notice.
$415,000 recovered after a denied AD&D claim in Coral Ridge. The insurer cited an intoxication clause, but evidence showed the death was unrelated.
$205,000 obtained in Victoria Park for a client in a dispute with an ex-spouse over a last-minute beneficiary change. We proved undue influence and reinstated the original designation.
Areas We Serve Across Fort Lauderdale and Broward County
We proudly represent clients in:
Las Olas Isles
Victoria Park
Rio Vista
Coral Ridge
Flagler Village
Harbor Beach
Edgewood
Sailboat Bend
Wilton Manors
Lauderdale Manors
Sunrise Intracoastal
And throughout all of Broward County
No matter where you’re located, we’re ready to advocate for your rights and recover the full policy amount you’re entitled to.
Our Commitment to You
Transparent communication
Fast and strategic action
Deep understanding of Florida insurance laws
Aggressive appeals and litigation when needed
No fees unless we win
Start Your Case Today
Don’t let an insurer deny what your loved one intended to leave behind. Call The Lassen Law Firm now for a free consultation and take the first step toward recovering the life insurance benefits you’re owed.
Call 800-330-2274 or complete our online form to speak directly with attorney Christian Lassen.
Written & Reviewed by Christian Lassen, Esq.
National Life Insurance Attorney | 25+ Years Experience
Quoted in The Wall Street Journal (May 17, 2025)
Last reviewed: June 11, 2025 | Contact: 800-330-2274
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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“My husband died overseas, and the insurer stalled the claim citing lack of documentation. The Lassen team got official death records from abroad, translated and authenticated them, and made the insurer pay. They truly handled everything.”- Patricia W.
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.