South Bend Life Insurance Lawyer
In South Bend, where a strong academic legacy meets Midwestern resilience, families expect life insurance to deliver security not setbacks. But when insurers unfairly delay or deny a claim, the result is added stress at an already difficult time. At The Lassen Law Firm, we help South Bend residents fight back and recover the benefits their loved ones intended.
Whether you're in the heart of downtown, near the University of Notre Dame, or anywhere in St. Joseph County, our firm brings focused legal experience to life insurance disputes of every kind. With over 25 years of success and hundreds of millions recovered nationwide, we’re trusted advocates for Indiana families.
Why South Bend Clients Turn to The Lassen Law Firm
We Only Handle Life Insurance Claims
No distractions. No divided attention. Every case we take involves a denied or delayed life insurance policy.
Work Directly with Christian Lassen, Esq.
Your case won’t be handed off. You’ll speak directly with one of the nation’s leading life insurance attorneys.
National Reach, Local Focus
We serve all 50 states and know the specific requirements Indiana insurers must meet.
No Recovery, No Fee
You owe us nothing unless we win your case.
Common Life Insurance Denials in South Bend
Accidental Death (AD&D) Exclusions
We challenge claims denied due to alleged intoxication, criminal activity, or dangerous conduct—with facts, not fear.
Lapse or Nonpayment Disputes
If the insurer failed to provide required notices, the policy may still be valid. We dig deep and hold them accountable.
Misrepresentation and Application Issues
Many denials rely on old or irrelevant medical history. We bring expert review and fight to overturn weak claims.
Contested Beneficiary Disputes
When multiple people claim the same benefit, we resolve the dispute efficiently—through negotiation or court, if needed.
Federal and Group Life Insurance (FEGLI, SGLI, ERISA)
We handle employer-provided and government life insurance policies with confidence and experience.
Real Results for Indiana Policyholders
$238,000 recovered after a misrepresentation denial involving outdated prescription history
$102,000 secured after an AD&D exclusion was wrongfully applied to a slip-and-fall near Notre Dame
$351,000 paid following an interpleader case involving two competing beneficiary claims
We Proudly Serve South Bend and Surrounding Areas
Downtown South Bend
Near Northwest Neighborhood
Erskine Park
River Park
Harter Heights
Westside
Notre Dame and Holy Cross areas
Mishawaka and broader St. Joseph County
What You Can Expect From Us
Immediate policy review and strategic analysis
Transparent updates and direct communication
Hard-hitting appeals and litigation where needed
Zero upfront fees and no payment unless we win
Denied a Life Insurance Claim in South Bend? We’re Here to Help
If you’ve been told the claim is denied, delayed, or “under investigation,” don’t wait. Every day lost could harm your case. We step in fast to protect your rights and recover the money you deserve.
Call 800-330-2274 today or use our confidential contact form 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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“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.