Chicago Life Insurance Lawyer
In Chicago, where world-class architecture, iconic neighborhoods, and deep family roots define the city, life insurance should provide peace of mind not added stress. But when a valid claim is wrongfully denied or delayed, the financial impact can be devastating. At The Lassen Law Firm, we focus exclusively on life insurance litigation and are proud to represent families across Chicago in recovering the benefits they are rightfully owed.
Whether you're in the heart of the Loop, along Lake Shore Drive, or in neighborhoods like Hyde Park, Lincoln Park, or Bronzeville, we deliver high-level legal representation with personalized care. With 25+ years of experience and hundreds of millions recovered nationwide, we’re equipped to challenge denials and hold insurers accountable.
Why Families in Chicago Trust The Lassen Law Firm
Exclusive Focus on Life Insurance Claims
We handle nothing else just life insurance disputes. No distractions. No compromises.
Attorney-Led Representation
You’ll work directly with Christian Lassen, a nationally recognized attorney quoted in The Wall Street Journal, not a junior associate.
No Fees Unless We Win
We take every case on a contingency basis. If we don’t recover money for you, you owe us nothing.
Chicago Life Insurance Claim Types We Handle
Denied Accidental Death Benefits (AD&D)
We’ve successfully reversed denials based on questionable intoxication clauses, activity exclusions, and vague policy language.
Lapse and Nonpayment Disputes
We evaluate if the insurer met Illinois notice requirements, employer obligations, and grace period protections.
Misrepresentation Allegations
We fight back when insurers wrongfully deny claims based on outdated or irrelevant application responses.
Beneficiary Contests & Interpleaders
Whether you’re up against an ex-spouse or a competing family member, we protect your rightful claim to the benefit.
Federal & Military Claims (FEGLI, SGLI, VGLI)
We represent federal employees, postal workers, and veterans throughout Cook County and beyond.
Recent Results for Illinois Clients
$413,000 recovered after a wrongful AD&D denial tied to a biking accident near Lakeview.
$195,000 secured for a South Side family after a group policy lapse was challenged under ERISA.
$525,000 payout obtained in an interpleader filed in Cook County Probate Court involving conflicting beneficiary claims.
Communities We Serve Across Chicago
We assist clients across every corner of the city, including:
The Loop
Lincoln Park
South Shore
Wicker Park
West Loop
Bronzeville
Logan Square
Hyde Park
Bridgeport
Edgewater
Humboldt Park
Uptown
Pilsen
Near North Side
What to Expect When You Work With Us
Complete policy and denial letter analysis
Direct access to your attorney
Strategic appeal or litigation planning
Transparent updates and fast response time
Start Your Chicago Life Insurance Case Today
You only get one chance to fight a denial. Let us help you do it right. We’ll take the burden off your shoulders and pursue the money your family is owed.
Call 800-330-2274 or submit your case online for a free, no-obligation 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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“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
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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.