Cedar Rapids Life Insurance Lawyer
In Cedar Rapids, where industry, innovation, and community pride come together along the Cedar River, life insurance is meant to offer security, yet many families face unexpected claim denials when they need support the most. At The Lassen Law Firm, we fight for beneficiaries in Cedar Rapids who are wrongfully denied the benefits their loved ones intended them to receive.
Whether you're near the historic New Bohemia District, the Czech Village, or along Edgewood Road, we provide strategic legal support that gets results. With over 25 years of experience and hundreds of millions recovered for clients across the country, we understand the tactics insurers use—and how to defeat them.
Why Cedar Rapids Residents Turn to The Lassen Law Firm
Exclusive Focus on Life Insurance Claims
We don’t split focus. We handle life insurance disputes only—every type, every insurer, every jurisdiction.
Attorney-Led Representation
Every case is personally managed by Christian Lassen, a nationally recognized expert in denied and delayed claims.
Serving All 50 States
From local group plans to federal policies like SGLI and FEGLI, we handle it all.
No Win, No Fee
There are no upfront costs. We only get paid if we recover money for you.
Types of Life Insurance Claims We Handle in Cedar Rapids
Policy Lapse and Grace Period Disputes
We examine whether proper notice was given before termination, and many insurers fail to meet this legal standard.
Accidental Death and Dismemberment (AD&D) Denials
If the insurer blamed alcohol, drugs, or excluded conduct, we dig into the facts and force them to prove it.
Alleged Misrepresentations
Insurers frequently cite inaccurate or irrelevant application details. We counter these with expert review and evidence.
Contested Beneficiary Designations
We handle cases involving ex-spouses, multiple claims, and outdated or improperly changed forms.
Federal and Group Life Insurance
We assist city workers, state employees, veterans, and federal retirees in navigating ERISA, SGLI, FEGLI, and VGLI disputes.
Recent Midwest Claim Successes
$412,000 payout for a lapse denial involving missed employer notices in a union-based group policy
$255,000 won in a misrepresentation case after a death benefit was denied over a decades-old medical omission
$700,000 secured in an AD&D denial involving an auto accident near a Midwestern college campus
Proudly Serving All of Cedar Rapids and Linn County
We represent clients across:
Downtown Cedar Rapids
NewBo District
Czech Village
Wellington Heights
Kenwood Park
Ellis Park
Bowman Woods
College Community areas and more
What to Expect from Our Firm
A fast, free legal review of your claim
Aggressive, strategic appeals and litigation when needed
Clear communication from a senior attorney
No payment unless you win
If Your Life Insurance Claim Was Denied in Cedar Rapids, We’re Ready to Help
Don’t accept a denial without a fight. Get trusted legal help from a law firm that wins life insurance cases nationwide.
Call 800-330-2274 or fill out our secure contact form for a free consultation 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.