Honolulu Life Insurance Lawyer
In Honolulu, where tropical beauty meets deep-rooted tradition, life insurance should bring peace of mind not unexpected roadblocks. But when insurers delay or deny rightful claims, the financial and emotional burden can be overwhelming. At The Lassen Law Firm, we represent Honolulu families with unwavering commitment and decades of national experience.
Whether you're in Waikiki, downtown Honolulu, or the foothills of Diamond Head, we offer tailored legal support backed by a singular focus: getting your life insurance claim paid. Led by attorney Christian Lassen, our firm has recovered hundreds of millions for clients across the U.S., including those in Hawai‘i facing complex policy disputes.
Why Honolulu Residents Turn to The Lassen Law Firm
Exclusively Life Insurance Cases
We don’t split focus with other practice areas, our entire firm is dedicated to life insurance litigation.
Nationwide Experience, Local Sensitivity
We understand the unique laws affecting Hawai‘i policies, and we handle federal and military claims as well.
No Win, No Fee
You pay nothing unless we recover money for you.
Direct Attorney Access
Every client receives personal attention from Christian Lassen, not a call center or paralegal.
Honolulu Life Insurance Disputes We Handle
Lapse and Grace Period Denials
We investigate whether the insurer met all notice obligations before canceling coverage.
AD&D Claim Denials
We challenge exclusions involving intoxication, medical conditions, or “risky behavior” often cited without sufficient evidence.
Contestability Period Disputes
Denials issued within two years of policy issuance often rely on vague claims of misrepresentation, we know how to dismantle these.
Beneficiary Conflicts
We help resolve disputes involving outdated forms, divorce complications, or family conflicts.
Federal and Military Claims (SGLI, VGLI, FEGLI)
We represent active duty service members, veterans, and federal employees with unique policy structures and appeal requirements.
Recent Results and Experience
$312,000 recovered after an employer-sponsored group policy was denied due to late enrollment forms. We proved the employer’s HR department was at fault.
$489,000 secured following an AD&D denial related to a surfing accident near Ala Moana. The insurer attempted to apply an exclusion that didn’t exist in the policy.
$125,000 paid out to a Honolulu widow after a contestability period denial involving a minor blood pressure issue not relevant to the cause of death.
Communities We Serve Across Oʻahu
Waikiki
Kaimukī
Downtown Honolulu
Mānoa
Kalihi
Kāhala
Nuʻuanu
Hawai‘i Kai
ʻĀina Haina
Moanalua
Kapālama
Whether you're up against a mainland insurer, a local mutual company, or a federal agency, we bring aggressive representation with local understanding.
What to Expect When You Work With Us
Free, no-risk claim review
A strategic plan for appeal or litigation
Prompt, clear communication
No fees unless we win your case
If Your Life Insurance Claim Was Denied in Honolulu, We’re Ready to Help
Don’t let the insurance company dictate your future. Contact The Lassen Law Firm today for a free consultation and let us take the fight to them.
Call 800-330-2274 or complete our secure form to get started.
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!
-
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
-
“The insurer said there was a misstatement in the application and flat-out denied the claim. I contacted the Lassen Law Firm, and they immediately launched a legal challenge. In the end, they got the full benefit paid without me even stepping into a courtroom.”- Karen D.
Why The Lassen Law Firm Is Different
-
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.
-
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.