Aurora Il Life Insurance Lawyer
In Aurora, Illinois—the “City of Lights” with its rich industrial legacy, cultural diversity, and scenic Fox River views—life insurance should be a safeguard for families, not a source of stress. Unfortunately, wrongful delays or denials of benefits can turn a time of grief into a legal battle. At The Lassen Law Firm, we focus solely on life insurance litigation, fighting for Aurora residents to get the full benefits they’re entitled to under the law.
Whether you’re near downtown Aurora, the Paramount Theatre, Phillips Park, or in neighborhoods like West Side, Southeast Aurora, or Northgate, we deliver experienced, hands-on legal representation. With over 25 years of success and hundreds of millions recovered, we understand how to challenge insurer tactics and win.
Why Aurora Clients Choose The Lassen Law Firm
100% Life Insurance Law
We don’t split focus with other practice areas—every attorney, every case, every strategy is dedicated to life insurance litigation.
Serving All 50 States
We regularly handle disputes involving local group plans, national insurers, and federal benefit programs like SGLI and FEGLI.
Attorney-Led Representation
You won’t be passed to a junior lawyer or call center. Every case is personally managed by Christian Lassen, Esq.
No Fee Unless We Win
Our contingency model ensures zero cost to you unless we secure your payout.
Life Insurance Claims We Handle in Aurora IL
Accidental Death (AD&D) Denials
Insurers often deny based on exclusionary language—intoxication, high-risk behavior, or criminal allegations. We know how to dismantle those tactics.
Policy Lapse & Nonpayment Disputes
We examine whether the insurer followed all required notice procedures and grace periods under Illinois law.
Misrepresentation Allegations
When insurers deny claims over application details, we challenge their evidence and intent-based arguments with expert analysis.
Contested Beneficiaries & Interpleaders
We represent rightful claimants when families are entangled in legal disputes over who receives the benefit.
Federal and Military Claims
Including SGLI, VGLI, and FEGLI claims for Aurora's federal employees, postal workers, and military families.
Notable Results for Illinois Clients
$476,000 payout secured after an AD&D exclusion was applied unfairly to a death during a recreational ATV accident near Sugar Grove.
$290,000 recovered for an Aurora family after a wrongful lapse claim tied to a missed premium notice.
$112,000 secured in a beneficiary dispute involving conflicting claims between an ex-spouse and adult child.
Aurora Neighborhoods and Areas We Serve
We represent clients throughout all parts of Aurora and surrounding areas, including:
Downtown Aurora
Fox Valley
West Side
Indian Trail
Southeast Aurora
Near East Side
Northgate
Marywood
Southlands
Pine Creek
Orchard Valley
Spring Lake
What You Can Expect When You Work With Us
Detailed review of policy language and denial letters
Strategic negotiation and appeal of denied claims
Filing lawsuits when necessary to recover benefits
Personal communication and full case transparency
Take Action Today We’re Ready to Fight
You only get one chance to recover what your loved one intended for you. Don’t trust the insurer’s word trust a firm that fights back. Let us help you reclaim the benefits you're owed.
Call 800-330-2274 or contact us online for a free consultation.
Written & Reviewed by Christian Lassen, Esq.
National Life Insurance Attorney | 25+ Years of 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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“Apparently, there were so-called inconsistencies on the application. The insurer used that as an excuse to avoid paying. Thankfully, Lassen Law stepped in and proved everything had been disclosed accurately. Claim paid.”- Rebecca M.
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.