Kansas City KS Life Insurance Lawyer
In Kansas City, Kansas, a community known for its deep cultural roots, iconic barbecue, and historic districts, life insurance benefits are meant to bring peace of mind, not legal battles. But when a claim is unfairly denied or delayed, families are often left navigating emotional and financial stress without support. At The Lassen Law Firm, we focus exclusively on life insurance litigation and serve clients across KCK and all of Wyandotte County.
Whether you're near the Kansas Speedway, the Strawberry Hill neighborhood, or along State Avenue, we offer skilled legal counsel backed by over 25 years of experience and a national track record of recovering hundreds of millions in life insurance proceeds.
Why Families in Kansas City Trust The Lassen Law Firm
Sole focus on life insurance disputes, no injury, no family law, no distractions
Direct attorney access from day one, not shuffled between intake teams
Zero upfront fees, we don’t get paid unless you do
Serving all 50 states, with deep knowledge of Kansas law and local procedures
We Handle All Types of Life Insurance Denials in Kansas City KS
Policy Lapse or Nonpayment
We review whether the insurer sent proper notice and followed Kansas grace period rules.
AD&D Denials
When benefits are denied due to drug use, alcohol, or alleged criminal behavior, we investigate and challenge faulty exclusions.
Material Misrepresentation
Insurance companies often use outdated or immaterial information to justify a denial. We push back with documentation and expert support.
Beneficiary Disputes
If multiple parties claim the payout, we resolve contested beneficiary cases in and out of court.
ERISA and Government-Sponsored Life Insurance
We handle denials involving federal and group plans, including SGLI, FEGLI, and employer-sponsored coverage.
Real Results for Clients in the Kansas City Area
$248,000 recovered after a denied claim tied to a lapse was reversed due to procedural violations
$610,000 paid to a KCK resident after a toxicology-based AD&D denial was overturned with medical evidence
$150,000 secured after an ex-spouse improperly claimed benefits that rightfully belonged to the children
Areas We Serve Around Kansas City KS
We represent life insurance beneficiaries in:
Rosedale
Strawberry Hill
Argentine
Armourdale
Turner
Piper
Westheight
Near the Kansas Speedway
And throughout all of Wyandotte County
What You Can Expect Working With Our Firm
Thorough claim review and policy interpretation
Strong negotiation with insurers and plan administrators
Aggressive litigation when necessary
Consistent communication and personal attention
Speak With an Experienced Kansas City Life Insurance Lawyer Today
Don’t let an insurance company dictate your future. You have rights under the law, and we’re here to protect them.
Call 800-330-2274 now for a free consultation directly 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
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!
-
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.
-
No. In most states, insurers must send a written notice of overdue premiums and warn of pending lapse before terminating coverage.
-
The policy may still be enforceable. Beneficiaries can challenge the lapse based on the insurer’s failure to provide required notice.
-
Yes. If the insured dies during the grace period, the policy is still considered active, and benefits should be paid.
-
Yes. In group life insurance policies, employers sometimes fail to forward premiums properly, leading to wrongful lapse denials.
-
Yes. If automatic payment setups fail through no fault of the insured, lapses may be challenged.
-
Some policies automatically borrow against cash value to cover missed payments. Failure to apply this correctly can lead to wrongful lapse claims.
-
Possibly. Some courts excuse nonpayment if the insured was mentally incapacitated and missed premiums without proper notice.
-
No. Reinstatement must occur while the insured is alive, but wrongful lapse denials can still be challenged posthumously.
-
Not without following strict notice and grace period rules. Beneficiaries can often challenge technical denials.
-
Deadlines vary by state, but it’s critical to act within 1 to 5 years depending on the policy and jurisdiction.
-
Not necessarily. Payments mailed within grace periods or accepted by insurers may keep coverage active.
-
Bank records, payment receipts, insurer correspondence, and premium notices are key evidence.
-
If the insurer used an outdated address despite updated information, lapse denials can often be overturned.
-
Possibly. If the insured submitted a reinstatement application before death, it may help challenge a lapse denial.
-
In some states, special grace periods and protections applied during COVID-19 emergencies. They can help fight wrongful lapses.
-
Only if the insurer followed all legal notice and grace period requirements. Otherwise, beneficiaries may still recover.
-
Misapplied premiums can lead to wrongful lapses — and courts often hold insurers accountable for these errors.
-
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
-
“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
-
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.
-
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.
-
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.
-
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.