Savannah Life Insurance Lawyer
In Savannah, where cobblestone streets and moss-draped oaks reflect centuries of tradition, families still face modern battles especially when life insurance claims are unfairly denied or delayed. At The Lassen Law Firm, we help residents throughout Savannah and Chatham County challenge wrongful denials and recover the benefits their loved ones intended for them.
Whether you're near Forsyth Park, strolling along River Street, or living in one of Savannah’s historic districts, we bring personalized legal support and unmatched experience to your side. Led by attorney Christian Lassen, our firm focuses solely on life insurance litigation and we’ve recovered hundreds of millions for clients across the country.
Why Savannah Families Choose The Lassen Law Firm
Life Insurance Is All We Do
We don’t handle car accidents or slip-and-falls. Our entire practice is devoted to getting life insurance claims paid.
National Reach, Georgia Focus
We know Georgia’s legal requirements for notice, grace periods, and bad faith and we handle federal group policies, too.
No Fee Unless We Win
You pay nothing unless we recover money for you.
Work Directly with Attorney Christian Lassen
No call centers. No junior associates. Just experience and results.
Types of Life Insurance Disputes We Handle in Savannah
Policy Lapse and Missed Premium Denials
We investigate whether the insurer followed Georgia's laws on notice and grace periods, especially with senior or employer-sponsored policies.
Accidental Death (AD&D) Denials
Insurers often deny claims involving alcohol, high-risk activity, or vague exclusions. We challenge those denials with facts and expert analysis.
Misrepresentation During the Contestability Period
If your claim is denied based on statements in the application, we review whether they were relevant, accurate, and tied to the cause of death.
Beneficiary Disputes and Fraud Allegations
We handle complex cases involving last-minute changes, forged forms, or competing claims between family members.
Federal and Employer Policies (FEGLI, SGLI, ERISA)
We represent federal workers, postal employees, and veterans with specialized claims subject to unique appeal timelines.
Recent Results for Georgia Families
$178,000 secured for a Savannah client after a lapse denial involving a policy with unclear mailing records. We proved the insurer failed to notify the policyholder properly.
$325,000 recovered in a contested beneficiary case involving a handwritten change made near the end of the insured’s life.
$209,000 awarded after an AD&D claim was denied based on toxicology results. We brought in a toxicologist and overturned the decision.
Neighborhoods and Communities We Serve in Savannah
Historic District
Ardsley Park
Midtown Savannah
Southside
Garden City
Thunderbolt
Whitemarsh Island
Pooler
Wilmington Island
Georgetown
Wherever you live in the Savannah area, we’re ready to help you fight back and win.
What to Expect From The Lassen Law Firm
A thorough case review and strategy session
Responsive communication
Targeted appeals and legal filings
Litigation if necessary
No out-of-pocket cost unless we win
Has Your Life Insurance Claim Been Denied in Savannah? We’re Ready to Help
Don’t take the insurance company’s word as final. If your life insurance claim was delayed or denied, get the legal firepower you need to challenge it.
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: June 12, 2025 | Contact: 800-330-2274
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 rejected our claim, saying the treatment my wife was undergoing wasn’t FDA-approved. The Lassen team got expert testimony and proved the procedure wasn’t the cause of death. That made all the difference.”- Anthony J.
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.