Des Moines Life Insurance Lawyer
In Des Moines, where Midwestern values meet a thriving cultural and economic center, life insurance is meant to offer peace of mind not frustration. But when benefits are unfairly delayed or denied, families are forced to fight for what’s rightfully theirs. At The Lassen Law Firm, we help Des Moines residents challenge unjust life insurance denials and secure the payouts they deserve.
Whether you're in Sherman Hill, near Gray’s Lake, or anywhere across Polk County, we bring decades of experience and laser-focused legal advocacy to your side. We’ve recovered hundreds of millions in life insurance benefits nationwide and we’re ready to fight for you.
Why Des Moines Families Choose The Lassen Law Firm
Exclusive Focus on Life Insurance Law
We don’t dabble. Every single case we handle involves denied or delayed life insurance claims.
Attorney-Driven Representation
You’ll work directly with Christian Lassen, one of the nation’s most trusted life insurance attorneys, not an assistant or intake clerk.
Serving All 50 States
Whether your claim involves an Iowa-based insurer, ERISA policy, or federal benefit like FEGLI or SGLI, we’ve handled it before.
Contingency-Based Fee Structure
You pay nothing unless we recover money for you.
We Handle All Types of Life Insurance Denials in Des Moines
Lapse or Nonpayment Disputes
We investigate whether the insurer met notice and grace period obligations, often, they didn’t.
Accidental Death Denials (AD&D)
If the claim was denied for alleged drug use, intoxication, or criminal conduct, we challenge the evidence and fight for full payment.
Misrepresentation Accusations
Insurers often rely on vague or immaterial details from an application. We bring in expert analysis to dispute bad-faith denials.
Contested Beneficiaries
We resolve claims involving ex-spouses, multiple claimants, or improperly updated forms.
Group, Employer, and Federal Policies
From Des Moines-based employers to federal workers and veterans, we handle ERISA, FEGLI, and SGLI cases with precision.
Recent Results for Midwest Clients
$287,000 recovered in a lapse case involving a Des Moines public employee group policy
$113,000 paid after an AD&D claim was denied based on a flawed toxicology report
$402,000 secured following a disputed beneficiary case involving an outdated form and an ex-spouse
Proudly Serving All Neighborhoods of Des Moines and Polk County
East Village
Sherman Hill
Beaverdale
Waveland Park
Drake Neighborhood
South Side
Valley Junction
Windsor Heights
Pleasant Hill and surrounding communities
What You Can Expect from Our Firm
Fast, detailed claim evaluation
Clear communication and direct attorney access
Aggressive appeals and litigation if needed
No upfront costs and zero risk to you
Denied a Life Insurance Claim in Des Moines? Let Us Help
You shouldn’t have to fight a billion-dollar insurance company alone. Let us handle the legal battle while you focus on moving forward.
Call 800-330-2274 today or fill out our secure 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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“They tried to connect my father’s death to an undisclosed pre-existing condition. Christian's firm reviewed the full medical file and showed it had no bearing. Within a month, we had the check.”- Susan B.
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.