St Petersburg Life Insurance Lawyer
In St. Petersburg, where the Gulf breeze meets a community rich in culture, life insurance should provide peace of mind not added stress. Yet when claims are denied or delayed without justification, families across Pinellas County are left to fight alone. That’s where The Lassen Law Firm steps in.
Led by nationally recognized attorney Christian Lassen, we represent St. Pete residents in life insurance disputes of all kinds. With over 25 years of experience and hundreds of millions recovered across the U.S., we know how to hold insurers accountable and get results for Florida families.
Why Choose The Lassen Law Firm in St. Petersburg?
100% Life Insurance Focus
We don’t juggle different practice areas. Denied life insurance claims are all we do, every client, every policy, every fight.
Attorney-Led Representation
You’ll work directly with Christian Lassen, not a junior associate or a case manager.
Contingency Fee Only
You pay nothing unless we win your case. It’s that simple.
Nationwide Reach, Florida Focus
Whether it’s a local denial or a dispute involving a federal plan like FEGLI or SGLI, we’re prepared to act.
Types of Life Insurance Claims We Handle in St. Petersburg
Accidental Death & Dismemberment (AD&D) Denials
We overturn denials involving intoxication, criminal acts, or exclusions insurers often misuse.
Lapse or Nonpayment Claims
We challenge wrongful policy terminations when grace periods or notice requirements weren’t followed.
Alleged Misrepresentations
We fight back when insurers use application errors to avoid paying, especially when those errors are irrelevant.
Disputed Beneficiary Designations
If you're involved in a contested claim, including interpleader cases, we’ll help assert your rightful interest.
Federal, Group & Employer Coverage
We handle claims under ERISA, FEGLI, SGLI, and other complex benefit structures.
St. Petersburg Case Highlights
$547,000 secured for a downtown client after an AD&D denial involving a boating incident. We proved the activity was covered and exclusion misapplied.
$150,000 recovered for a family in Historic Kenwood after a lapse dispute related to banking errors. We showed the notice failed to comply with Florida law.
$138,000 paid out in Shore Acres after we reversed a claim denial based on a misstatement about smoking history.
We Represent Clients Throughout the St. Pete Area
We serve clients in every neighborhood and surrounding area, including:
Downtown St. Petersburg
Old Northeast
Historic Kenwood
Shore Acres
Snell Isle
Jungle Terrace
Coquina Key
Crescent Lake
Tyrone
Greater Pinellas Point
Disston Heights
Lealman
Gulfport
St. Pete Beach
If your claim was denied anywhere in Pinellas County, we’re ready to help.
How We Work
Detailed review of your denial and policy
Development of a personalized legal strategy
Appeals, negotiations, and litigation if needed
Constant updates from a dedicated attorney
No payment unless we recover for you
Denied Life Insurance Claim in St. Petersburg? Let’s Fight Back
Don’t let a life insurance company deny what your loved one intended you to receive. Call The Lassen Law Firm today at 800-330-2274 or complete our contact form for a free, no-obligation consultation.
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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“We were denied after my dad changed jobs and the company claimed he never converted his life insurance policy. Mr. Lassen found the paperwork showing he had. The check arrived a month later.”- Brian C.
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.