Orlando Life Insurance Lawyer
Christian Lassen, Esq. | Quoted in The Wall Street Journal | 25 Years Experience
Families in Orlando often rely on life insurance connected to hospitality employment, healthcare work, military service, or long-standing private policies. When a death occurs, insurers sometimes respond with investigations, exclusions, or claims that coverage ended before death. Many Orlando families reach out only after receiving a denied life insurance claim that cites technical reasons they were never warned about while the policyholder was alive.
The Lassen Law Firm represents Orlando 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 Orlando Are Often Disputed
Life insurance disputes tied to Orlando frequently involve:
Employer sponsored group policies tied to hospitality and healthcare systems
Coverage interruptions following relocation or job changes
Accidental death investigations relying on broad activity exclusions
Beneficiary changes made during illness or medical treatment
Contestability period denials based on application details
Insurers often rely on administrative defenses rather than whether coverage was actually in force at the time of death.
How Orlando Life Insurance Disputes Are Reviewed
Many Orlando based claims are governed by federal law when coverage is provided through an employer or government program. ERISA and federal benefit claims impose strict procedural rules that limit what evidence can be considered if it is not submitted early.
Understanding these deadlines is often the difference between recovery and permanent denial.
Examples of Orlando Life Insurance Disputes We Have Resolved
An Orlando policyholder denied benefits after an insurer alleged a material misrepresentation. Underwriting records supported recovery through a denied life insurance claim challenge.
A Lake Nona accidental death claim denied after the insurer disputed the cause of death. Expert review supported recovery under a denied AD&D claim analysis.
These examples reflect common insurer defenses and how they are challenged rather than guaranteed outcomes.The Types of Life Insurance Claims We Handle for Orlando Families
Accidental Death and Dismemberment Claims
We litigate denied AD&D claims involving alleged intoxication, activity 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 Orlando families with denied ERISA claims, denied FEGLI claims, and denied SGLI claims.
Communities We Serve Across Greater Orlando
We represent clients throughout Orlando and surrounding areas, including Downtown Orlando, Lake Eola Heights, Winter Park, Baldwin Park, College Park, Lake Nona, Dr Phillips, MetroWest, Pine Hills, East Orlando, Conway, Alafaya, Ocoee, Winter Garden, Maitland, Apopka, Altamonte Springs, Oviedo, and Kissimmee.
Denied Life Insurance Claim in Orlando? Let’s Take Action
You only get one chance to challenge a denial, and the sooner you act, the better. Contact The Lassen Law Firm for a free consultation. Call 800-330-2274 or complete our contact form today.
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.
