Miami Life Insurance Lawyer
In Miami, a city known for its energy, diversity, and global influence, life insurance should provide peace of mind, not legal stress. But when insurers delay or deny rightful claims, families can be left without the support they need most. At The Lassen Law Firm, we represent Miami residents in denied life insurance matters and fight aggressively to recover the full payout.
Led by nationally recognized attorney Christian Lassen, we focus exclusively on life insurance litigation and have recovered hundreds of millions for clients across the country. Whether your denial involves an accidental death policy, a lapsed group plan, or a disputed beneficiary form, we’re here to help.
Why Miami Families Trust The Lassen Law Firm
Exclusive Focus on Life Insurance Cases
We only handle life insurance claims. That’s our sole area of practice, and it’s what makes us national leaders in this space.
Direct Access to a Leading Attorney
You won’t deal with an assistant or case manager. Attorney Christian Lassen personally handles every claim.
No Fee Unless You Win
We work on contingency. If we don’t recover benefits for you, you owe nothing.
Types of Life Insurance Denials We Handle in Miami
Accidental Death Denials (AD&D)
We challenge denials tied to alcohol, alleged criminal conduct, or high-risk exclusions frequently misused in Florida.
Policy Lapse Disputes
We investigate whether the insurer followed Florida's notice requirements before terminating the policy.
Misrepresentation and Contestability
Many claims are denied within the two-year contestability window for reasons that don’t hold legal weight. We push back with clear evidence.
Beneficiary Disputes and Interpleaders
In cases involving multiple claimants or contested designations, we fight to enforce your rights.
Federal and Group Life Insurance (FEGLI, SGLI, ERISA)
We help Miami clients navigate denials involving federal or employer-sponsored life insurance with complex rules and strict deadlines.
Recent Life Insurance Recoveries in South Florida
$388,000 secured for a Coral Gables client after a wrongful denial based on alleged intoxication. Toxicology evidence contradicted the insurer’s position.
$272,000 recovered near Little Haiti after a lapse dispute involving misdirected billing. We forced the insurer to reinstate coverage and pay.
$615,000 paid to a client in Brickell after a contested beneficiary form was invalidated due to lack of legal capacity at the time of change.
Areas We Serve Across Miami and Miami-Dade County
We represent clients throughout the city and surrounding areas, including:
Downtown Miami
South Beach
Little Havana
Wynwood
Brickell
Coconut Grove
Allapattah
Overtown
Coral Gables
Liberty City
Little Haiti
Flagami
Edgewater
Doral
Hialeah
North Miami
Kendall
Cutler Bay
Homestead
Whether your case involves a Florida-based insurer, an out-of-state policyholder, or a federal life insurance program, we’re ready to build your case and fight for your full recovery.
What to Expect from Our Firm
Fast, thorough policy and claim review
Clear, direct legal advice
Strategic negotiations and appeals
Litigation when necessary
No out-of-pocket fees ever
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: June 11, 2025
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 the application wasn’t complete, so the claim couldn’t be processed. I felt helpless until I hired Lassen Law. They located the original records and showed that everything was properly submitted. Case closed.”- Christopher A.
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.