Savannah Life Insurance Lawyer
Christian Lassen, Esq. | Quoted in The Wall Street Journal | 25 Years Experience
Savannah families plan for the future, and life insurance is often part of that plan. When a death occurs, beneficiaries expect the policy to provide stability. Instead, many receive an investigation notice, a request for records, or a denial based on technical reasons that were never explained while the policyholder was alive. That gap between expectation and reality is where life insurance disputes begin.
The Lassen Law Firm represents Savannah families in Denied Life Insurance Claim and Delayed Life Insurance Claim matters across Chatham County. Our practice is devoted exclusively to life insurance law. We do not handle unrelated cases. Our work is focused on enforcing valid life insurance benefits after death.
Attorney Christian Lassen has more than 25 years of experience handling life insurance disputes nationwide and has been quoted by The Wall Street Journal on insurance related legal issues. Clients work directly with him from the first review of the denial through appeal or litigation when necessary.
Why Life Insurance Claims in Savannah Are Often Disputed
Many Savannah disputes arise from older policies and changing circumstances over time. Common triggers include:
Address changes that affect premium notices and billing communication
Policies held by seniors or long term residents on fixed incomes
Employer sponsored group coverage affected by job changes or retirement
Accidental deaths where insurers apply broad exclusions after the fact
Beneficiary updates made during illness or periods of vulnerability
In many cases, insurers rely on administrative defenses rather than whether coverage existed at the time of death.
How Savannah Life Insurance Denials Are Evaluated
Some Savannah claims are governed by Georgia insurance law, while others fall under federal statutes when coverage is provided through an employer or government program. Denied Life Insurance ERISA disputes and federal benefit claims often involve strict deadlines and limit what evidence can be submitted if it is not provided early.
Identifying the governing rules and acting quickly can protect a claim that might otherwise be lost.
Examples of Savannah Life Insurance Disputes We Address
A Savannah area beneficiary denied benefits after the insurer alleged a lapse due to nonpayment. Mailing records and notice compliance were analyzed through a Life Insurance Lapse Claim strategy.
An accidental death claim denied after the insurer relied on intoxication or activity exclusions. Policy language review and factual investigation supported recovery through a Denied AD&D Claim challenge.
A contested payout involving competing family claims after a late stage designation. Documentation and capacity evidence supported recovery through a Life Insurance Beneficiary Dispute approach.
These examples illustrate common insurer defenses and how they are challenged rather than guaranteed outcomes.
Types of Life Insurance Claims We Handle for Savannah Families
Accidental Death and AD&D Claims
We represent families in Denied AD&D Claim cases involving alleged intoxication, activity exclusions, or disputed causes of death.
Policy Lapse and Nonpayment Allegations
We challenge lapse denials by reviewing billing history, grace periods, and notice compliance under Life Insurance Lapse standards.
Application and Contestability Disputes
Insurers often rely on minor or outdated application information. We contest these denials under Denied Life Insurance Claim review using underwriting and medical records.
Beneficiary Conflicts and Interpleader Actions
When insurers claim uncertainty about who should receive benefits, we handle Life Insurance Beneficiary Dispute matters and insurer filed Life Insurance Interpleader lawsuits.
Federal and Employer Sponsored Coverage
We assist Savannah families with Denied FEGLI Claim Lawyer cases involving federal employees, Denied SGLI Claim disputes affecting servicemembers, and employer provided plans governed by Denied Life Insurance ERISA.
Neighborhoods and Communities We Serve in Savannah
We represent clients throughout Savannah and the surrounding area, including the Historic District, Ardsley Park, Midtown, Southside, Garden City, Thunderbolt, Whitemarsh Island, Pooler, Wilmington Island, and Georgetown.
If the policyholder lived or worked anywhere in the Savannah area, we can evaluate your claim.
What Working With Our Firm Looks Like
Policy and denial review with a clear plan of action
Investigation of notice failures, exclusions, and documentation issues
Strategic appeals, negotiation, or litigation when necessary
Direct communication with your attorney throughout
No attorney fees unless we recover for you
Georgia disclosure: Clients are responsible for costs and expenses of litigation.
Denied Life Insurance Claim in Savannah
Insurance companies often expect beneficiaries to accept a denial without challenge. You are not required to do that. If your claim involves delay, denial, lapse allegations, beneficiary conflicts, or an interpleader lawsuit, The Lassen Law Firm can help.
Call The Lassen Law Firm at 800-330-2274 or fill out our contact form for a free, no-obligation consultation.
Written & Reviewed by Christian Lassen, Esq.
National Life Insurance Attorney | 25+ Years Experience
Quoted in The Wall Street Journal (May 17, 2025)
Last reviewed: Jan 21, 2026 | Contact: 800-330-2274
Georgia Required Disclaimer: “No fee unless you win” must be accompanied by: “Clients are responsible for costs and expenses of litigation.”
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!
-
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.
-
No. In most states, insurers must send a written notice of overdue premiums and warn of pending lapse before terminating coverage.
-
The policy may still be enforceable. Beneficiaries can challenge the lapse based on the insurer’s failure to provide required notice.
-
Yes. If the insured dies during the grace period, the policy is still considered active, and benefits should be paid.
-
Yes. In group life insurance policies, employers sometimes fail to forward premiums properly, leading to wrongful lapse denials.
-
Yes. If automatic payment setups fail through no fault of the insured, lapses may be challenged.
-
Some policies automatically borrow against cash value to cover missed payments. Failure to apply this correctly can lead to wrongful lapse claims.
-
Possibly. Some courts excuse nonpayment if the insured was mentally incapacitated and missed premiums without proper notice.
-
No. Reinstatement must occur while the insured is alive, but wrongful lapse denials can still be challenged posthumously.
-
Not without following strict notice and grace period rules. Beneficiaries can often challenge technical denials.
-
Deadlines vary by state, but it’s critical to act within 1 to 5 years depending on the policy and jurisdiction.
-
Not necessarily. Payments mailed within grace periods or accepted by insurers may keep coverage active.
-
Bank records, payment receipts, insurer correspondence, and premium notices are key evidence.
-
If the insurer used an outdated address despite updated information, lapse denials can often be overturned.
-
Possibly. If the insured submitted a reinstatement application before death, it may help challenge a lapse denial.
-
In some states, special grace periods and protections applied during COVID-19 emergencies. They can help fight wrongful lapses.
-
Only if the insurer followed all legal notice and grace period requirements. Otherwise, beneficiaries may still recover.
-
Misapplied premiums can lead to wrongful lapses — and courts often hold insurers accountable for these errors.
-
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
-
“We were told the policy lapsed before my mother died. But we had receipts showing otherwise. Lassen Law Firm used them to force the company to honor the contract. They don’t mess around.”- David K.
Why The Lassen Law Firm Is Different
-
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.
-
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.
-
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.
-
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.
