Miami Life Insurance Lawyer
Christian Lassen, Esq. | Quoted in The Wall Street Journal | 25 Years Experience
Families in Miami often hold life insurance connected to international travel, second residences, business ownership, or employer sponsored benefits. When a death occurs, insurers sometimes respond with investigations, exclusions, or claims that coverage ended before death. Many Miami families reach out only after receiving a denied life insurance claim that raises technical defenses they never encountered while the policyholder was alive.
The Lassen Law Firm represents Miami families as part of a statewide practice handling Florida life insurance disputes involving private policies, employer sponsored group coverage, and federal benefit programs. Our practice is devoted exclusively to life insurance law.
Attorney Christian Lassen, Esq. 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 from initial review through appeal or litigation.
Why Life Insurance Claims from Miami Are Frequently Disputed
Life insurance disputes tied to Miami commonly involve:
Accidental deaths occurring during travel, boating, or water related activities
Alleged policy lapses caused by address changes or billing interruptions
Beneficiary disputes involving blended families or cross border heirs
Contestability period denials following recent underwriting
Employer sponsored group policies governed by federal ERISA rules
Insurers often rely on administrative defenses rather than whether coverage was actually in force at the time of death.
How Miami Life Insurance Disputes Are Reviewed
Many Miami based claims are governed by federal law when coverage is provided through an employer or government program. ERISA and federal benefit claims follow strict procedural rules that limit what evidence may be considered if it is not submitted early.
Understanding these deadlines is often the difference between recovery and permanent denial.
Examples of Miami Life Insurance Disputes We Have Resolved
A Coral Gables accidental death claim denied after an insurer relied on an intoxication exclusion. Expert review supported recovery under a denied AD&D claim challenge.
A lapse based denial involving misdirected billing notices after relocation. Records supported recovery through a life insurance claim denied due to lapse analysis.
A Brickell beneficiary dispute involving a late stage designation. Capacity evidence supported recovery through a life insurance beneficiary dispute strategy.
These examples reflect common insurer defenses and how they are challenged rather than guaranteed outcomes.
The Types of Life Insurance Claims We Handle for Miami Families
Accidental Death and Dismemberment Claims
We litigate denied AD&D claims involving alleged intoxication, boating exclusions, or disputed causes of death.
Policy Lapse and Nonpayment Allegations
We examine billing records and notice compliance when a life insurance claim denied due to lapse is raised.
Application Misrepresentation Allegations
Insurers often rely on immaterial or outdated application information. We challenge these denials using underwriting and medical records.
Beneficiary Conflicts and Interpleader Actions
We represent families in life insurance beneficiary disputes and insurer filed life insurance interpleader lawsuits involving competing claimants.
Federal and Employer Sponsored Coverage
We assist Miami families with denied ERISA claims, denied FEGLI claims, and denied SGLI claims.
Communities We Serve Across Miami and Miami Dade County
We represent clients throughout Miami and surrounding areas, including Downtown Miami, Brickell, Coconut Grove, Coral Gables, Wynwood, Little Havana, Little Haiti, Overtown, Allapattah, Edgewater, Doral, Hialeah, North Miami, Kendall, Cutler Bay, and Homestead.
Do I Need a Miami FL Lawyer for a Life Insurance Claim
Life insurance disputes are governed by contract law and federal statutes rather than local courtroom appearances. What matters most is experience handling insurer defenses, lapse disputes, beneficiary conflicts, ERISA procedures, and interpleader litigation.
Denied Life Insurance Claim in Miami? Call Now
Don’t let a wrongful denial go unanswered. Contact The Lassen Law Firm for a free, no-obligation consultation. Call 800-330-2274 or fill out our contact form today. Let us fight for the benefits your loved one intended for you.
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 19, 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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“My husband didn’t list a prior policy cancellation, and they used that to deny our claim. Lassen Law proved it was irrelevant and unrelated to the cause of death. We received the benefit without a prolonged legal battle.”- Daniel S.
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.
