Hilo Life Insurance Lawyer
Christian Lassen, Esq. | Quoted in The Wall Street Journal | 25 Years Experience
Life insurance claims in Hilo often become disputed after a death, not because coverage never existed, but because insurers raise procedural or technical defenses once benefits are requested. Families who have lived on the Big Island for decades are frequently surprised to learn that an insurer is questioning lapse status, beneficiary validity, or application details long after premiums were paid.
The Lassen Law Firm represents beneficiaries in Hilo and throughout Hawaiʻi County in Denied Life Insurance Claim and Delayed Life Insurance Claim matters. Our practice is limited exclusively to life insurance law. We do not handle personal injury, workers’ compensation, or unrelated litigation. Our work begins after death and focuses on enforcing policy benefits.
Attorney Christian Lassen has more than twenty five years of experience handling disputed life insurance claims nationwide and has been quoted by The Wall Street Journal on insurance related legal issues. Clients work directly with him throughout the claim review, appeal, or litigation process.
Why Life Insurance Claims in Hilo Become Complicated
Hilo claims often involve long standing policies and evolving personal circumstances. Disputes commonly arise from:
Premium notices sent to outdated addresses
Policies owned by retirees or multigenerational households
Group life coverage affected by job changes or medical leave
Accidental deaths where exclusions are raised only after death
Beneficiary changes questioned due to timing or alleged incapacity
Rather than focusing on whether the policy was in force, insurers often rely on documentation issues and post claim interpretations.
How Hilo Life Insurance Denials Are Reviewed
Some claims are governed by Hawaiʻi insurance statutes, while others fall under federal law when coverage is provided through an employer or government program. Denied Life Insurance ERISA cases and federal benefit claims impose strict procedural rules and often limit what evidence can be added later if it is not submitted early.
Determining which legal framework applies is a critical first step and often dictates how a claim must be challenged.
Common Hilo Life Insurance Disputes We Handle
A policy denied for alleged nonpayment where notice compliance and grace periods are disputed under a Life Insurance Lapse Claim review.
An accidental death denial based on activity or intoxication exclusions analyzed through a Denied AD&D Claim approach focused on policy language and cause of death.
A beneficiary dispute involving family members or outdated forms addressed as a Life Insurance Beneficiary Dispute, including insurer filed Life Insurance Interpleader actions.
These examples reflect recurring insurer defenses rather than promised outcomes.
Types of Life Insurance Claims We Handle for Hilo Families
Accidental Death and AD&D Claims
We represent beneficiaries in Denied AD&D Claim cases involving exclusions, disputed classifications, and insurer recharacterization of death.
Policy Lapse Allegations
We challenge lapse denials by examining billing history, grace periods, and statutory notice requirements under Life Insurance Lapse rules.
Application and Contestability Disputes
Insurers frequently rely on minor or unrelated application information. We contest these denials through Denied Life Insurance Claim analysis using underwriting and medical records.
Beneficiary Conflicts and Interpleader Lawsuits
When insurers claim uncertainty over who should be paid, we handle Life Insurance Beneficiary Dispute matters and court filed Life Insurance Interpleader cases.
Federal and Employer Sponsored Coverage
We assist families with Denied FEGLI Claim Lawyer cases, Denied SGLI Claim disputes involving service members, and employer provided plans governed by Denied Life Insurance ERISA.
Areas We Serve on the Big Island
We represent beneficiaries throughout East Hawaiʻi and the surrounding region, including Hilo, Waiākea, Puna, Keaʻau, Kurtistown, Pepeʻekeo, Honokaʻa, Pāhoa, Mountain View, and Volcano.
If the policyholder lived or worked anywhere on the Big Island, we can evaluate the claim.
What Working With Our Firm Involves
Policy and denial analysis with a defined legal strategy
Investigation of notice failures, exclusions, and insurer defenses
Appeals, negotiation, or litigation when appropriate
Direct communication with your attorney
No attorney fees unless benefits are recovered
Hawaiʻi disclosure: Clients are responsible for costs and expenses of litigation.
Denied Life Insurance Claim in Hilo
Insurance companies often rely on the assumption that beneficiaries will not challenge a denial. You are not required to accept that outcome. If your claim involves delay, lapse allegations, beneficiary disputes, or an interpleader lawsuit, The Lassen Law Firm can help.
Call The Lassen Law Firm at 800-330-2274 or complete our contact form to get started with a free 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 3, 2026 | 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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“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 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.
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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.
