Naperville Life Insurance Lawyer
In Naperville, where top-ranked schools, scenic trails, and a strong sense of community define daily life, families expect life insurance to provide stability in times of loss. But when a claim is denied or delayed, that trust can quickly be shaken. At The Lassen Law Firm, we represent Naperville residents in disputes with life insurance companies and we know how to win.
From the bustling downtown Riverwalk district to South Naperville and surrounding areas across DuPage and Will Counties, we offer direct, attorney-led representation backed by more than 25 years of life insurance litigation experience. We've recovered hundreds of millions nationwide and are trusted by clients who want real results.
Why Naperville Clients Choose The Lassen Law Firm
We Only Do Life Insurance Cases
Our exclusive focus means every claim, every strategy, and every argument is built to beat insurers at their own game.
Serving the Nation
Whether you're dealing with a local group policy, a national insurer, or a federal claim (FEGLI, SGLI, VGLI), we handle it.
No Fee Unless We Win
You pay nothing upfront. We only get paid if we recover money for you.
Direct Access to Your Lawyer
Christian Lassen personally manages every case. No call centers or junior associates.
Life Insurance Disputes We Handle in Naperville
Accidental Death & Dismemberment (AD&D) Denials
We challenge exclusions based on intoxication, criminal conduct, or hazardous activities with solid evidence and expert input.
Lapse and Nonpayment Allegations
Many policies are wrongfully canceled due to billing errors or lack of proper notice. We force insurers to prove compliance with Illinois law.
Misrepresentation Disputes
Insurers may deny claims based on minor or unrelated application details. We push back with fact-based rebuttals.
Contested Beneficiaries and Interpleaders
We represent rightful beneficiaries in disputes involving former spouses, updated wills, and outdated policy documents.
Federal and ERISA-Based Group Policies
We know the complex rules tied to employer-sponsored, government, and military life insurance coverage.
Results from Illinois Life Insurance Claims
$418,000 recovered after a denied claim involving a disputed accidental death in Naperville’s Springbrook Prairie area
$236,000 payout secured for a family in North Central Naperville after a wrongful lapse due to misapplied premium credits
$117,000 awarded in a beneficiary dispute involving an outdated designation form and a contested signature
Areas We Serve in and Around Naperville
Downtown Naperville
South Naperville
Brookdale
Cress Creek
Springbrook Prairie
East Highlands
Hobson West
Ashbury
White Eagle
Knoch Knolls
Wheatland Township
What You Can Expect From Us
Fast case assessment and policy review
Strategic appeal or litigation planning
Transparent, honest updates
Aggressive pursuit of your full benefit
If Your Claim Was Denied in Naperville, Let’s Take Action
Insurers count on you giving up. We don’t. With The Lassen Law Firm on your side, you’ll have the firepower and focus needed to recover what your loved one intended for you to receive.
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: 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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“My mom died after a non-traditional medical procedure, and the insurer refused to pay. Lassen Law proved the treatment had nothing to do with the cause of death. They fought like it was their own family involved.”- Emily N.
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.