Jacksonville Life Insurance Lawyer
Christian Lassen, Esq. | Quoted in The Wall Street Journal | 25 Years Experience
Jacksonville families often rely on life insurance connected to military service, port related employment, healthcare systems, or private policies purchased long before a loss. When a death occurs, beneficiaries expect the claim process to be straightforward. Instead, many receive investigation notices, requests for records, or denials based on technical arguments that were never raised while the policyholder was alive.
The Lassen Law Firm represents Jacksonville families in Denied Life Insurance Claim and Delayed Life Insurance Claim disputes throughout Duval County. Our firm focuses exclusively on life insurance law. We do not handle unrelated matters. Our role is to enforce valid life insurance benefits after death.
Attorney Christian Lassen has more than 25 years of experience handling life insurance disputes nationwide and has been quoted by The Wall Street Journal on insurance related legal issues. Clients work directly with him from the initial review through appeal or litigation when necessary.
Why Life Insurance Claims in Jacksonville Are Often Disputed
Life insurance disputes involving Jacksonville frequently reflect the city’s mix of military families, federal employees, and long term private policyholders. Common issues include:
Policies connected to military service or federal employment
Employer sponsored group coverage tied to job changes or retirement
Accidental deaths involving driving, boating, or work related incidents
Billing disputes following address or bank account changes
Beneficiary updates made during illness or periods of vulnerability
In many cases, insurers rely on administrative defenses rather than whether coverage existed at the time of death.
How Jacksonville Life Insurance Denials Are Reviewed
Some Jacksonville claims are governed by Florida insurance law, while others fall under federal statutes when coverage is provided through an employer or government program. Denied Life Insurance ERISA claims and federal benefit cases impose strict deadlines and limit what evidence can be considered if it is not submitted early.
Identifying which law applies and acting quickly is often critical to preserving the claim.
Examples of Jacksonville Life Insurance Disputes We Address
A Jacksonville family denied benefits after the insurer alleged the policy lapsed due to missed payments. Billing records and notice requirements supported recovery through a Life Insurance Lapse review.
An accidental death claim denied after the insurer relied on exclusion language related to medication or activity. Policy interpretation and factual analysis supported recovery through a Denied AD&D Claim challenge.
A Duval County beneficiary dispute involving competing claims after a late stage designation change. Documentation and capacity evidence supported recovery through a Life Insurance Beneficiary Dispute strategy.
These examples illustrate common insurer defenses and how they are challenged rather than guaranteed outcomes.
Types of Life Insurance Claims We Handle for Jacksonville 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 lapse denials by reviewing billing history, grace periods, and notice compliance under Life Insurance Lapse rules.
Application and Contestability Disputes
Insurers often rely on minor or outdated application information. We contest these denials under Denied Life Insurance Claim standards using underwriting and medical records.
Beneficiary Conflicts and Interpleader Actions
When insurers claim uncertainty about who should receive benefits, we handle Life Insurance Beneficiary Dispute matters and insurer filed Life Insurance Interpleader lawsuits.
Federal and Military Related Coverage
We assist Jacksonville 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 Across Jacksonville
We represent clients throughout Jacksonville and Duval County, including Downtown Jacksonville, Riverside, San Marco, Jacksonville Beach, Mandarin, Arlington, Avondale, Southside, Springfield, Ortega, the Northside, and the Westside.
If the policyholder lived or worked anywhere in Duval County, we can evaluate your claim.
What to Expect When You Contact Our Firm
Review of the denial letter and full policy
Identification of legal and procedural violations
Clear strategy tailored to your coverage
Appeals, negotiation, or litigation when necessary
Direct communication with your attorney throughout
Denied Life Insurance Claim in Jacksonville
Insurance companies often expect beneficiaries to accept a denial without challenge. You are not required to do that. 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 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: Jan 21, 2026 | Contact: 800-330-2274
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 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 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.
