Naperville Life Insurance Lawyer
Christian Lassen, Esq. | Quoted in The Wall Street Journal | 25 Years Experience
Life insurance disputes in Naperville often arise after long periods of stability. Many policies were purchased years earlier through professional employment, small businesses, or careful estate planning. When a death occurs, beneficiaries expect the claim to be routine. Instead, insurers may raise questions about paperwork, timing, or exclusions only after benefits are requested.
The Lassen Law Firm represents Naperville beneficiaries in Denied Life Insurance Claim and Delayed Life Insurance Claim matters across DuPage and Will Counties. Our firm focuses exclusively on life insurance litigation. We do not handle unrelated legal matters. Our work is centered on enforcing coverage and correcting insurer decisions that rely on technical defenses rather than the intent of the policy.
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. Naperville clients work directly with him from the initial review through appeal or litigation when required.
When Life Insurance Claims Go Wrong in Naperville
Naperville life insurance denials often stem from administrative or timing issues rather than any real dispute over coverage. Common situations include:
Employer sponsored group life insurance affected by job transitions or retirement
Automatic payment failures tied to account or billing changes
Accidental deaths followed by broad exclusion reviews
Claims challenged during the contestability period
Beneficiary changes questioned years after they were made
In many cases, insurers focus on technical arguments instead of whether the policy was active and enforceable at the time of death.
What a Life Insurance Lawyer Does for Naperville Families
A life insurance lawyer represents beneficiaries when insurers refuse to pay benefits after a death. This includes reviewing policy language, analyzing denial letters, determining whether Illinois law or ERISA applies, preparing written appeals, and filing lawsuits when insurers fail to correct wrongful decisions.
Many Naperville claims involve professional group plans, executive benefits, or policies coordinated with estate planning, each of which requires careful legal analysis.
Life Insurance Disputes We Handle in Naperville
Accidental Death and AD&D Claims
We handle Denied AD&D Claim cases involving disputed causes of death, alleged intoxication, or activity based exclusions.
Policy Lapse and Nonpayment Allegations
We challenge lapse denials by examining billing history, grace periods, and notice compliance under Life Insurance Lapse standards.
Misrepresentation and Contestability Disputes
Insurers frequently rely on minor or outdated application responses. We contest these denials under Denied Life Insurance Claim principles using underwriting and medical records.
Beneficiary Disputes and Interpleader Actions
When insurers claim uncertainty about who should receive benefits, we represent beneficiaries in Life Insurance Beneficiary Dispute matters and Life Insurance Interpleader lawsuits.
Federal and Employer Based Coverage
We assist Naperville 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 Naperville Life Insurance Claims
Life insurance claims in Naperville may be governed by Illinois insurance law or federal law depending on how the policy was issued. Illinois requirements concerning grace periods, lapse notices, and contestability frequently determine whether a denial is valid.
Employer provided policies are often governed by ERISA, which imposes strict appeal deadlines and limits what evidence may be considered. Early legal review is often critical to preserving the claim.
Examples of Life Insurance Disputes Reviewed for Naperville Clients
A denied accidental death claim where the insurer relied on an exclusion without sufficient medical support. Policy interpretation supported recovery through a Denied AD&D Claim analysis.
A lapse denial involving an individual policy where premium credits were misapplied. Documentation supported recovery through a Life Insurance Lapse review.
A beneficiary dispute involving conflicting designation forms executed years apart. 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 Naperville
We represent beneficiaries throughout Naperville and surrounding communities, including Downtown Naperville, South Naperville, Brookdale, Cress Creek, East Highlands, Hobson West, Ashbury, White Eagle, Knoch Knolls, Springbrook Prairie, Wheatland Township, and neighboring areas of DuPage and Will Counties.
If the policyholder lived or worked in the Naperville area, 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
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 Naperville
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 contact us online today for a free consultation.
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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“The insurer said the activity my father was doing at the time of his death wasn’t covered. Lassen reviewed the policy and showed there was no such exclusion. They got it paid out without a lawsuit.”- Deborah 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.
