Hialeah Life Insurance Lawyer
Christian Lassen, Esq. | Quoted in The Wall Street Journal | 25 Years Experience
In Hialeah, life insurance is often part of long term family planning. Many policies were purchased decades ago, tied to steady employment, union work, federal service, or small family businesses. When a death occurs, families expect those benefits to provide stability. Instead, many are met with delay letters, investigation notices, or outright denials that were never anticipated.
The Lassen Law Firm represents Hialeah families facing Denied Life Insurance Claim and Delayed Life Insurance Claim disputes. Our firm handles only life insurance cases. We do not take on unrelated matters, and we do not answer to insurance companies. Our role is to enforce valid coverage after death.
Attorney Christian Lassen 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 throughout the case, from initial review through appeal or litigation.
Why Life Insurance Claims in Hialeah Are Commonly Challenged
Many Hialeah life insurance disputes arise from policies that remained in place for years without issue. Problems surface only after a claim is filed. Common factors include:
Policies tied to long term employment or union benefits
Coverage changes following retirement, illness, or job transitions
Accidental death investigations involving driving or workplace incidents
Premium payment disputes tied to mail delivery or banking changes
Beneficiary changes made late in life or during medical treatment
Insurance companies often rely on paperwork defenses rather than whether coverage was truly active at the time of death.
How These Claims Are Evaluated After Death
Some Hialeah claims are governed by Florida law, while others fall under federal rules when coverage is provided through an employer or government program. Denied Life Insurance ERISA claims and federal benefit cases impose strict deadlines and limit when evidence can be submitted.
Understanding which rules apply is critical. A missed deadline or incomplete submission can permanently affect the outcome.
Examples of Hialeah Life Insurance Disputes We Address
A Hialeah beneficiary denied benefits after an insurer alleged the policy lapsed. Billing history and notice requirements supported recovery through a Life Insurance Lapse analysis.
An accidental death claim denied after the insurer raised exclusion arguments. Policy language and factual review supported recovery through a Denied AD&D Claim challenge.
A Miami Dade County dispute involving competing beneficiaries after a late stage designation change. Documentation and capacity evidence supported recovery through a Life Insurance Beneficiary Dispute strategy.
These examples reflect common insurer defenses and how they are addressed rather than guaranteed outcomes.
Types of Life Insurance Claims We Handle for Hialeah Families
Accidental Death and AD&D Claims
We represent families in Denied AD&D Claim cases involving alleged intoxication, activity exclusions, or disputed causes of death.
Policy Lapse and Nonpayment Allegations
We challenge insurer claims of lapse by reviewing billing records, grace periods, and notice compliance under Life Insurance Lapse rules.
Application Misrepresentation Allegations
Insurers often rely on immaterial or outdated application information. We contest these denials under Denied Life Insurance Claim review standards.
Beneficiary Conflicts and Interpleader Lawsuits
When insurers claim uncertainty about who should be paid, we handle Life Insurance Beneficiary Dispute matters and insurer filed Life Insurance Interpleader actions.
Federal and Employer Provided Coverage
We assist Hialeah families with Denied FEGLI Claim Lawyer cases involving federal employees, Denied SGLI Claim disputes affecting servicemembers, and employer sponsored plans governed by Denied Life Insurance ERISA.
Communities We Serve in and Around Hialeah
We represent clients throughout Hialeah and nearby areas, including West Hialeah, Hialeah Gardens, Palm Springs Estates, Miami Lakes, East Hialeah, the Palm Avenue corridor, and surrounding Miami Dade communities.
If the policyholder lived or worked anywhere in Miami Dade County, we can review your claim.
What Working With Our Firm Looks Like
Review of the denial and full policy
Identification of legal and procedural violations
Clear strategy tailored to your type of coverage
Appeals, negotiation, or litigation when necessary
Direct communication with your attorney throughout
Denied Life Insurance Claim in Hialeah
Insurance companies expect many families to walk away. We do not. If your claim involves delay, denial, lapse allegations, beneficiary conflicts, or an interpleader lawsuit, The Lassen Law Firm can help.
Call 800-330-2274 or submit our contact form now to speak directly with attorney Christian Lassen.
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 21, 2026
Florida Disclaimer: “The hiring of a lawyer is an important decision that should not be based solely upon advertisements. Before you decide, ask us to send you free written information about our qualifications and experience.”
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 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.
