Tampa Life Insurance Lawyer
In Tampa, where sunshine, history, and growth converge along Florida’s Gulf Coast, life insurance is a critical part of many families’ financial planning. But when insurers deny or delay claims, the result can be financial chaos at the worst possible time. At The Lassen Law Firm, we represent Tampa residents who’ve had life insurance benefits unfairly withheld, and we fight to get every dollar you’re owed.
Led by attorney Christian Lassen, a nationally recognized life insurance litigator with over 25 years of experience, our firm handles nothing but life insurance cases. We’ve recovered hundreds of millions for clients nationwide, and we bring that focused experience to every case in the Tampa Bay area.
Why Choose The Lassen Law Firm in Tampa?
Exclusively Life Insurance
Our sole focus is life insurance litigation. That means we understand the policies, exclusions, and insurer tactics better than anyone.
You Work Directly with Christian Lassen
Your case isn’t passed to a junior associate. You’ll get personal attention from a veteran life insurance attorney.
No Recovery, No Fee
We don’t get paid unless you do. Our consultations are free and our legal fees are contingency-based.
We Handle All Types of Life Insurance Disputes in Tampa
Accidental Death (AD&D) Denials
We fight exclusions based on alleged intoxication, criminal activity, or other claims insurers often misuse to avoid payment.
Lapse or Nonpayment Issues
Florida law imposes strict rules on lapse notices and grace periods. If your loved one’s policy was canceled unfairly, we’ll prove it.
Misrepresentation Claims
If the insurer says the insured gave inaccurate info, we analyze whether the alleged misstatement actually matters—and if it’s even true.
Beneficiary Conflicts & Interpleaders
We represent clients in high-stakes disputes where ex-spouses, caregivers, or other relatives contest payouts.
Federal & Group Life Insurance Denials (FEGLI, SGLI, ERISA)
Whether you're a federal employee, veteran, or covered by an employer plan, we handle complex denials involving strict administrative rules.
Tampa Case Results and Success Stories
$432,000 recovered for a Hyde Park family after a lapse dispute involving an address change. We showed the insurer failed to comply with Florida notice laws.
$119,000 secured for a client in Seminole Heights after a suicide exclusion was wrongfully applied post-contestability.
$301,000 obtained in Westshore for a denied AD&D claim following a boating accident. We proved the death was accidental and fully covered.
Communities We Serve in the Tampa Area
We help clients across Hillsborough County, including:
Downtown Tampa
Hyde Park
Ybor City
Seminole Heights
West Tampa
New Tampa
Davis Islands
Westshore
Carrollwood
Brandon
Riverview
Town 'n' Country
Temple Terrace
South Tampa
Whether your case involves a Florida-based insurer, a national company, or a federal life insurance policy, we’re ready to act fast and fight for your rights.
Our Process
Comprehensive policy and denial review
Personalized legal strategy
Appeals and litigation, if needed
Clear communication throughout
No fees unless we win your case
If Your Life Insurance Claim Was Denied in Tampa, We’re Ready to Help
Don’t let an insurance company delay or deny your claim without a fight. Call The Lassen Law Firm at 800-330-2274 or fill out our contact form today. Your consultation is free, and we only get paid if we recover money 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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“They tried to deny my mom’s claim by referencing a vague exclusion clause. Christian quickly proved the exclusion didn’t apply. What seemed impossible at first became a closed case thanks to their persistence.”- Thomas E.
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.