Indianapolis Life Insurance Lawyer
In Indianapolis, where iconic sports events, cultural districts, and historic neighborhoods shape daily life, families rely on life insurance to provide security in difficult times. When claims are unfairly delayed or denied, the emotional and financial toll can be overwhelming. At The Lassen Law Firm, we fight back helping Indianapolis families recover the benefits they’re rightfully owed.
Whether you’re near Monument Circle, the Broad Ripple Canal, or the suburbs of Marion County, we offer direct, attorney-led support and national firepower focused solely on life insurance disputes. With over 25 years of experience and hundreds of millions recovered, we know how to win even against the largest insurers.
Why Choose The Lassen Law Firm for Your Indianapolis Claim
Exclusively Life Insurance Law
This isn’t one of many practice areas. It’s the only one. We litigate life insurance cases full-time.
Attorney-Driven Representation
Every client works directly with nationally recognized attorney Christian Lassen, not a paralegal or case manager.
Serving the Nation
Whether the claim involves an individual policy, an ERISA-covered group plan, or a federal life insurance program, we handle it.
No Fee Unless We Win
We only get paid if we recover benefits for you.
Types of Life Insurance Disputes We Handle in Indianapolis
Accidental Death Benefit Denials (AD&D)
We challenge exclusions related to intoxication, criminal allegations, or hazardous activity using detailed evidence and expert witnesses.
Policy Lapse or Nonpayment Allegations
We investigate whether required notices were sent, grace periods were followed, and premiums were processed properly.
Material Misrepresentation Disputes
Denials often rely on minor or outdated medical history. We dismantle those arguments with records and testimony.
Beneficiary Conflicts & Interpleaders
We represent rightful claimants in cases involving ex-spouses, multiple beneficiaries, or unclear documentation.
Federal Life Insurance (FEGLI, SGLI, VGLI)
We assist Indianapolis veterans, postal workers, and federal employees with denied or delayed government-backed policies.
Recent Life Insurance Recoveries for Indiana Families
$387,000 recovered after a lapse denial involving a missed premium that was never invoiced properly by the carrier
$165,000 secured in a contested beneficiary case involving outdated paperwork in the Nora neighborhood
$91,000 awarded after an accidental death exclusion was improperly applied following a workplace incident near Fountain Square
Neighborhoods and Areas We Serve in Indianapolis
Downtown Indianapolis
Broad Ripple
Irvington
Meridian-Kessler
Fountain Square
Nora
Speedway
Eagle Creek
Lawrence
Decatur Township
Pike Township
All of Marion County and surrounding suburbs
The Lassen Law Firm Will Stand Up to the Insurance Company for You
We don’t just appeal claims, we build strong cases, litigate when necessary, and force insurers to pay what’s owed. If your loved one’s life insurance claim has been denied or delayed in Indianapolis, let us take immediate legal action.
Call 800-330-2274 now for a free, confidential consultation with attorney Christian Lassen.
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 husband died overseas, and the insurer stalled the claim citing lack of documentation. The Lassen team got official death records from abroad, translated and authenticated them, and made the insurer pay. They truly handled everything.”- Patricia W.
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.