Orlando Life Insurance Lawyer
In Orlando, where families build dreams in the heart of Central Florida, life insurance should offer stability during life’s most difficult times. But when claims are wrongfully denied or delayed, that promise is shattered. At The Lassen Law Firm, we help Orlando residents fight back and recover the life insurance benefits their loved ones intended for them to receive.
Led by attorney Christian Lassen, one of the nation’s leading life insurance litigators, we handle denied claims throughout the Orlando metro area and across the state. With over 25 years of experience and hundreds of millions recovered, we provide the legal firepower needed to take on insurers and win.
Why Orlando Families Choose The Lassen Law Firm
We Only Handle Life Insurance Cases
No distractions, no other practice areas. Life insurance litigation is all we do.
Direct Attorney Access
Every case is personally managed by Christian Lassen—not handed off to junior staff.
Nationwide Strength, Florida-Focused Strategy
We’ve handled cases across all 50 states, including disputes involving Florida-based policies and national insurers.
You Don’t Pay Unless We Win
Our contingency model means zero out-of-pocket cost to you unless we recover benefits.
What We Handle in Orlando Life Insurance Cases
Accidental Death Denials (AD&D)
We challenge exclusions based on intoxication, alleged misconduct, or “hazardous activity” clauses insurers frequently misuse in Florida.
Policy Lapse and Nonpayment Disputes
Was proper notice given? Did the policyholder have automatic payments? We investigate and fight back.
Misrepresentation & Contestability
Denied within the first two years? We dismantle weak arguments based on alleged misstatements or omissions.
Beneficiary Disputes and Interpleaders
We represent rightful beneficiaries when others attempt to challenge or interfere with a claim.
Federal, Military & Employer Coverage (FEGLI, SGLI, ERISA)
If your denial involves a government or group plan, we know how to navigate those systems.
Recent Florida Recoveries
$491,000 recovered for an Orlando resident after a claim was denied due to alleged material misrepresentation. We proved the policy would have been issued regardless.
$138,000 secured for a family near Lake Nona after an AD&D claim was denied due to a disputed cause of death. Independent experts helped us overturn the decision.
$278,000 paid to a Pine Hills client after we invalidated a last-minute beneficiary change due to lack of mental capacity.
Communities We Serve Across Greater Orlando
We represent clients in every part of the Orlando metro area, 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
Kissimmee
Altamonte Springs
Oviedo
Whether your claim involves a national carrier or a Florida-based insurer, we’re ready to stand up for your rights and deliver the outcome you deserve.
Our Process
Detailed policy and denial review
Strategic appeals and negotiations
Litigation when necessary
Clear, direct updates throughout your case
No recovery, no fee
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: 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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“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 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.