Hilo Life Insurance Lawyer
In Hilo, where rainforests, waterfalls, and a deep-rooted sense of community define everyday life, a denied or delayed life insurance claim can bring added stress during an already difficult time. At The Lassen Law Firm, we help families in Hilo and across the Big Island recover the life insurance benefits their loved ones intended for them.
Whether you're near Rainbow Falls, along Banyan Drive, or in the historic neighborhoods of downtown Hilo, we provide experienced legal representation focused entirely on life insurance claims. Attorney Christian Lassen has recovered hundreds of millions for clients nationwide, including those facing complex denials here in Hawai‘i.
Why Hilo Families Choose The Lassen Law Firm
100% Focus on Life Insurance Law
We handle nothing else—just life insurance litigation, appeals, and payouts.
Deep National Experience, Local Sensitivity
We understand Hawai‘i-specific legal protections like notice requirements and grace period rules.
Direct Legal Access
Work personally with Christian Lassen from day one—no intake staff or case managers.
No Fees Unless We Win
You don’t pay anything unless we recover money for you.
Types of Life Insurance Disputes We Handle in Hilo
Lapsed Policies Due to Nonpayment
We determine whether required notices were sent under Hawai‘i law and challenge improper cancellations.
Accidental Death (AD&D) Denials
We challenge vague or misapplied exclusions related to medical conditions, activities, or alleged intoxication.
Contested Beneficiary Claims
We help resolve family disputes involving ex-spouses, handwritten changes, or outdated forms.
Contestability Denials (Within First Two Years)
We dismantle misrepresentation allegations when the information had no bearing on the cause of death.
Federal Policies and ERISA Plans
We handle SGLI, FEGLI, and VGLI disputes for military families and government workers in Hilo and beyond.
Examples of Results for Hawaii Clients
$278,000 paid to a family in Hilo after a group policy was wrongly denied based on missing paperwork. We proved employer error.
$365,000 secured after a denied accidental death claim stemming from a hiking accident near Kaumana Caves. The insurer tried to apply a risk exclusion not found in the policy.
$149,000 recovered after a contested beneficiary designation resulted in a legal stalemate. We resolved the case through documentation and negotiation.
Communities We Serve Around Hilo and the Big Island
Hilo
Puna
Keaau
Waiākea
Kurtistown
Pepeʻekeo
Honokaʻa
Pāhoa
Mountain View
Volcano
Whether your claim involves a local Hawai‘i insurer or a national carrier, we bring the legal strength needed to overcome insurance delay tactics and denial strategies.
What You Can Expect from The Lassen Law Firm
A complete policy and denial letter review
Personalized legal strategy
Appeals, negotiations, or litigation if needed
Transparent communication and status updates
No payment unless we win your case
Your Life Insurance Claim Was Denied in Hilo? Let’s Change That
You only get one chance to fight a denial. Make sure you’re working with a lawyer who handles nothing but life insurance law.
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: 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 said my brother’s death during a jet ski accident wasn’t covered because it was a high-risk activity. Lassen Law Firm carefully reviewed the policy and forced the insurer to pay up. Their legal arguments were rock solid.”- Laura P.
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.