Joliet Life Insurance Lawyer
Christian Lassen, Esq. | Quoted in The Wall Street Journal | 25 Years Experience
Life insurance disputes in Joliet often begin with a simple notice from an insurer stating that a claim is under review or denied. For many families, the policy was purchased years earlier through employment, military service, or private planning. After a death, beneficiaries are suddenly required to prove coverage that should already exist.
The Lassen Law Firm represents Joliet families in Denied Life Insurance Claim and Delayed Life Insurance Claim matters throughout Will County. Our firm focuses exclusively on life insurance litigation. We do not handle unrelated legal work. Our role is to step in when insurers rely on technical defenses instead of honoring valid coverage.
Attorney Christian Lassen has more than 25 years of experience handling life insurance disputes nationwide and has been quoted by The Wall Street Journal on insurance related legal issues. Joliet clients work directly with him from the initial review through appeal or litigation when necessary.
First Steps After a Life Insurance Claim Is Denied in Joliet
Many Joliet families contact us after receiving a denial letter that provides little explanation. Before responding to the insurer, it is important to understand what is actually being alleged.
We typically advise beneficiaries to:
• Request the full policy and denial letter
• Avoid submitting recorded statements or written explanations without review
• Preserve all billing, employment, and beneficiary records
• Identify whether the policy is individual, employer sponsored, or federal
Early review helps prevent mistakes that can limit recovery, especially in ERISA governed claims.
Why Life Insurance Claims Get Denied in Joliet
Life insurance disputes in Joliet frequently arise from changes over time rather than lack of coverage. Common denial triggers include:
Employer sponsored group policies affected by job changes or retirement
Alleged policy lapse tied to billing or payroll errors
Accidental deaths followed by aggressive exclusion reviews
Application answers questioned during the contestability period
Beneficiary disputes involving former spouses or blended families
Insurers often focus on administrative arguments rather than whether coverage was active at the time of death.
What a Life Insurance Lawyer Does for Joliet Families
A life insurance lawyer represents beneficiaries when insurers refuse to pay after a death. This includes reviewing policy language, analyzing denial reasons, determining whether Illinois law or ERISA applies, preparing appeals, and filing lawsuits when necessary.
Many Joliet claims involve group life insurance tied to manufacturing, transportation, or public employment. These policies often have additional rules that insurers rely on incorrectly.
Life Insurance Disputes We Handle in Joliet
Accidental Death and AD&D Claims
We handle Denied AD&D Claim cases involving alleged intoxication, activity exclusions, or disputed causes of death.
Policy Lapse and Nonpayment Allegations
We challenge lapse denials by reviewing notice compliance, grace periods, and billing records under Life Insurance Lapse standards.
Misrepresentation and Contestability Disputes
Insurers often rely on outdated or immaterial application responses. We contest these denials under Denied Life Insurance Claim principles using underwriting and medical records.
Beneficiary Disputes and Interpleader Actions
When insurers refuse to decide who should be paid, we represent beneficiaries in Life Insurance Beneficiary Dispute matters and Life Insurance Interpleader lawsuits.
Federal and Employer Based Coverage
We assist Joliet families with employer sponsored plans governed by Denied Life Insurance ERISA, as well as federal and military policies including FEGLI and SGLI.
How Illinois Law Impacts Joliet Life Insurance Claims
Life insurance claims in Joliet may be governed by Illinois insurance law or federal law depending on how the policy was issued. Illinois rules concerning grace periods, notice requirements, and contestability frequently play a central role in disputes.
Employer provided policies are often governed by ERISA, which imposes strict appeal deadlines and limits what evidence may be considered. Identifying the correct legal framework early is often critical to preserving the claim.
Examples of Life Insurance Disputes Reviewed for Joliet Clients
A lapse denial involving an employer sponsored policy where payroll deductions continued despite the insurer alleging nonpayment. Documentation supported recovery through a Life Insurance Lapse analysis.
An accidental death claim denied based on a broad exclusion tied to recreational activity. Policy interpretation supported recovery through a Denied AD&D Claim review.
A beneficiary dispute involving an outdated designation that conflicted with later estate planning documents. Evidence supported recovery through a Life Insurance Beneficiary Dispute strategy.
These examples illustrate common insurer defenses rather than guaranteed outcomes.
Areas We Serve in and Around Joliet
We represent beneficiaries throughout Joliet and surrounding communities, including the Cathedral Area, Downtown Joliet, Shorewood, St. Pat’s, Ingalls Park, Preston Heights, Fairmont, Rockdale, Crest Hill, and Plainfield Township.
If the policyholder lived or worked anywhere in Will County, we can evaluate your claim regardless of where the policy was issued.
What to Expect When You Contact Our Firm
A detailed review of the policy and denial letter
Clear explanation of applicable law and deadlines
A strategy tailored to your specific claim
Appeals, negotiation, or litigation when necessary
Direct communication with your attorney throughout
Denied Life Insurance Claim in Joliet
Insurance companies often expect beneficiaries to accept a denial without challenge. You are not required to do that. If your claim involves delay, lapse allegations, misrepresentation, beneficiary conflicts, or an interpleader lawsuit, The Lassen Law Firm can help.
Call 800-330-2274 or fill out our online form to get started today.
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 21, 2026 | Contact: 800-330-2274
Illinois Required Disclaimer If making comparative claims: “This comparison is based on publicly available data and is not intended to suggest superiority unless substantiated. Past results do not guarantee future outcomes.”
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.
