Tallahassee Life Insurance Lawyer
In Tallahassee, where state government, academic institutions, and a deep sense of community define the city’s identity, a denied life insurance claim can place a serious burden on families during already difficult times. At The Lassen Law Firm, we help residents throughout Tallahassee fight back against unfair delays and denials by insurance companies. We focus exclusively on life insurance law and have the experience, resources, and track record to get results.
Led by nationally recognized attorney Christian Lassen, our firm has recovered hundreds of millions for clients across the country. Whether you're dealing with a contested accidental death claim, a lapse issue, or a beneficiary dispute, we bring tailored legal strategies and trusted support to clients across Leon County.
Why Tallahassee Families Choose The Lassen Law Firm
National reputation in life insurance litigation
Only handle life insurance denials and disputes
Work directly with Christian Lassen not a call center
No fees unless we recover money for you
Knowledge of Florida’s insurance regulations and local court systems
We Handle All Types of Life Insurance Denials in Tallahassee
Policy Lapse and Nonpayment
We investigate whether proper notice was given and whether grace periods were ignored by the insurer, especially for policies governed under Florida law.
AD&D Denials
If your claim was denied based on exclusions for intoxication, criminal activity, or dangerous behavior, we scrutinize the policy language and challenge improper application.
Contestability and Misrepresentation Disputes
We evaluate whether alleged misstatements were actually material or related to the cause of death, and fight back with medical records, application reviews, and legal argument.
Beneficiary Disputes and Interpleaders
We represent clients in disputes involving ex-spouses, new designations, and family conflict, working to establish rightful entitlement under Florida law.
ERISA, FEGLI, and Group Plan Appeals
We handle life insurance appeals involving federal employees, military policies, and employer-provided plans across Florida.
Recent Case Outcomes for Florida Families
$385,000 recovered for a Tallahassee resident after a group life denial citing enrollment failure. We proved the employer was at fault under ERISA.
$147,000 paid out after a misrepresentation denial tied to medication history was reversed through medical records and legal analysis.
$215,000 awarded in a case involving two competing beneficiaries in Midtown. The court found our client to be the rightful recipient.
Areas We Serve in and Around Tallahassee
We help clients across Leon County and the surrounding areas, including:
Downtown Tallahassee
Midtown
Southwood
College Town
Killearn Estates
Betton Hills
Frenchtown
Woodville
Apalachee Ridge
Eastgate
If your claim was denied anywhere in the Tallahassee region, we’re here to help.
What You Can Expect from Our Firm
Full review of your policy, claim, and denial
Direct attorney communication
Strategic appeals, negotiations, and litigation
No recovery, no fee
Denied a Life Insurance Claim in Tallahassee? Call Us Today
You don’t have to take the insurance company’s word for it. If your claim was delayed or denied, contact The Lassen Law Firm today for a free case evaluation. We’re ready to fight for what your family is owed.
Call 800-330-2274 or complete our contact form to speak directly with attorney Christian Lassen.
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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“I was told the life insurance policy had lapsed due to unpaid premiums. But Christian Lassen's team proved the company had failed to send proper notice. They fought back and got the policy reinstated retroactively. I’m incredibly grateful.”- James L.
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.