Jacksonville Life Insurance Lawyer
In Jacksonville, where the St. Johns River winds through a city rich with history, military pride, and vibrant neighborhoods, life insurance should offer peace of mind not conflict and confusion. When a claim is delayed or denied, the financial and emotional toll can be overwhelming. That’s where The Lassen Law Firm comes in. We help families across Jacksonville fight back and recover the benefits they were promised.
Whether your denial involves a lapse, misrepresentation, or contested beneficiary, we know how to overcome insurer tactics and deliver results. Led by nationally recognized attorney Christian Lassen, we bring over 25 years of experience and a track record of hundreds of millions recovered nationwide.
Why Jacksonville Families Trust The Lassen Law Firm
Exclusive Focus: We only handle life insurance claim disputes. Every case, every strategy laser-focused on this one area of law.
No Fee Unless We Win: You don’t pay unless we recover for you.
Nationwide Experience, Local Commitment: From ERISA cases to federal benefits and Florida-based denials, we’ve seen it all.
Attorney-Driven Representation: Speak directly with Christian Lassen. No intake middlemen.
Types of Jacksonville Life Insurance Disputes We Handle
Policy Lapse and Missed Payment Denials
We investigate whether the insurer complied with Florida’s notice and grace period rules before lapsing coverage.
Accidental Death Claim Denials
Insurers often cite intoxication, criminal acts, or exclusions. We dig deep into the evidence to challenge weak or misused clauses.
Contested Beneficiaries and Interpleader Actions
Whether you’re battling a late policy change or multiple claimants, we fight to protect your legal rights and secure rightful payouts.
Misrepresentation Allegations During Contestability
Insurers use application discrepancies to delay or deny claims. We dismantle these defenses using medical records, expert review, and policy law.
Federal and Military Policy Claims (SGLI, FEGLI, VGLI)
We represent federal employees, veterans, and military families in complex denials and appeals under federal life insurance programs.
Recent Results in Florida
$478,000 recovered for a client in Jacksonville Beach after a disputed AD&D denial. The insurer cited a medication exclusion, but we proved the death was accidental and unrelated.
$310,000 paid after a lapse dispute in Ortega. We showed that the insurer failed to give required notice before canceling the policy.
$117,000 obtained after a contested beneficiary dispute in Arlington. We proved the policy change was signed under duress and got the payout reinstated to the rightful heir.
Jacksonville Communities We Serve
We represent clients across all of Duval County, including:
Downtown Jacksonville
Riverside
San Marco
Jacksonville Beach
Mandarin
Arlington
Avondale
Southside
Springfield
Ortega
Northside
Westside
Whether your claim involves a private insurer, an employer-sponsored plan, or a federal program, we’re here to fight for the outcome you deserve.
What to Expect from The Lassen Law Firm
Full policy analysis and strategy review
Appeals and litigation handled from start to finish
Compassionate, responsive communication
Proven experience with complex denials and high-value policies
No fees unless we win your case
Take Action Today
If your life insurance claim has been delayed or denied in Jacksonville, don’t let the insurer keep what rightfully belongs to you. Contact The Lassen Law Firm now for a free consultation.
Call 800-330-2274 or complete our confidential 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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“Apparently, there were so-called inconsistencies on the application. The insurer used that as an excuse to avoid paying. Thankfully, Lassen Law stepped in and proved everything had been disclosed accurately. Claim paid.”- Rebecca M.
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.