Davenport Life Insurance Lawyer
In Davenport, where the mighty Mississippi meets a city full of cultural pride, hardworking families often rely on life insurance for future stability. But when claims are denied or delayed, the emotional and financial toll can be overwhelming. At The Lassen Law Firm, we help beneficiaries in Davenport challenge wrongful denials and recover the payouts they’re rightfully owed.
Whether you're near Vander Veer Park, the bustling Village of East Davenport, or overlooking the riverfront near Modern Woodmen Park, our firm provides trusted legal support rooted in decades of national success. With over 25 years of experience and hundreds of millions recovered, we deliver strategic legal representation tailored to Iowans facing insurance claim disputes.
Why Davenport Residents Choose The Lassen Law Firm
We Focus Exclusively on Life Insurance Law
Every case we handle involves life insurance. That focus means unmatched knowledge and results.
Direct Attorney Involvement
Clients work directly with Christian Lassen, a nationally quoted expert not a junior associate.
Serving All 50 States
We manage everything from local term policies to federal programs like FEGLI and SGLI.
Contingency-Based Fees
No upfront costs. You pay nothing unless we win.
Types of Life Insurance Claims We Handle in Davenport
Lapsed Policy Denials
We investigate whether proper grace period notices were issued often they’re not.
Accidental Death & Dismemberment (AD&D) Denials
If drugs, alcohol, or high-risk behavior are used as excuses, we dig into the details and push back.
Misrepresentation and Contestability Disputes
We challenge denials based on vague or outdated application answers with expert evidence.
Contested Beneficiaries
We resolve disputes involving multiple claims, ex-spouses, and outdated designations.
Federal & Employer-Sponsored Plans (FEGLI, ERISA, SGLI, VGLI)
Our firm has deep experience navigating these complex government-backed claims.
Recent Midwest Case Results
$362,000 paid after a contested AD&D denial tied to ambiguous activity exclusions
$91,000 recovered for a Davenport family denied due to alleged misrepresentation about past medication
$514,000 won in a federal benefits dispute involving a USPS employee
Proudly Serving All of Davenport and Scott County
We serve clients across:
Downtown Davenport
Village of East Davenport
Vander Veer Park
Duck Creek
McClellan Heights
West End
Hilltop Campus Village
Northside and surrounding neighborhoods
What to Expect from Our Firm
Detailed policy analysis and strategy
Fast and aggressive appeals
Personalized communication with your attorney
Results-focused litigation, if needed
No fees unless we recover for you
Denied a Life Insurance Claim in Davenport? Let Us Help
Don’t let a denied claim add to your grief. We’re here to fight for the benefits your loved one intended for you.
Call The Lassen Law Firm at 800-330-2274 or fill out our secure contact form for a free case review.
Written & Reviewed by Christian Lassen, Esq.
National Life Insurance Attorney | 25+ Years of 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.