Joliet Life Insurance Lawyer
In Joliet, where historic charm meets industrial strength, families count on life insurance to deliver financial security when it matters most. But when claims are delayed or wrongfully denied, that promise can be shattered. At The Lassen Law Firm, we help Joliet residents fight back against life insurance denials and win.
From Cathedral Area and St. Pat’s to downtown Joliet and the riverfront, we serve clients across Will County with a focus on strategic, aggressive legal action. With more than 25 years of life insurance litigation experience and hundreds of millions recovered nationwide, we’re trusted by clients who need results, not excuses.
Why Joliet Families Choose The Lassen Law Firm
We Only Handle Life Insurance Claims
Our exclusive focus means we know every tactic insurers use and how to defeat them.
Direct Attorney Access
Clients work one-on-one with attorney Christian Lassen, not a paralegal or intake coordinator.
Serving All 50 States
We litigate against local, national, and federal life insurance carriers, including ERISA and government policies.
No Win, No Fee
We never charge unless we recover benefits for you.
Life Insurance Disputes We Handle in Joliet
Accidental Death Benefit (AD&D) Denials
We fight exclusions involving alcohol, drugs, or high-risk activities common denial tactics we’ve overcome time and time again.
Lapsed Policy Claims
Was the policy truly canceled? We analyze notice procedures, auto-pay issues, and grace period violations under Illinois law.
Alleged Misrepresentations
Insurers often cite medical history or old applications. We challenge these with hard evidence and expert testimony.
Contested Beneficiary Claims & Interpleaders
If you’re involved in a dispute over who should receive the benefit, we fight for your rightful share.
Federal & Military Life Insurance Claims
We represent Joliet’s veterans, federal workers, and postal employees with claims under SGLI, FEGLI, and VGLI.
Recent Successes for Illinois Clients
$361,000 payout after an ERISA-covered policy was improperly terminated by an employer-sponsored plan
$228,000 recovered after a denial based on a misinterpreted AD&D exclusion near Shorewood
$94,000 secured in a family beneficiary dispute involving an outdated policy document in the Ingalls Park area
Areas We Serve in and Around Joliet
Cathedral Area
Downtown Joliet
Shorewood
St. Pat’s Neighborhood
Ingalls Park
Preston Heights
Fairmont
Rockdale
Plainfield Township
Crest Hill
What You Can Expect When You Hire Us
Thorough policy and denial letter review
A clear strategy for appeal or litigation
Direct updates from your attorney
Respectful, responsive communication at every stage
Start Your Joliet Life Insurance Case Today
If your claim was denied or delayed, you don’t have to face the insurance company alone. We’re here to help you fight and win. The consultation is free, and there’s no fee unless we recover for you.
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: 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 the application wasn’t complete, so the claim couldn’t be processed. I felt helpless until I hired Lassen Law. They located the original records and showed that everything was properly submitted. Case closed.”- Christopher A.
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.