Olathe Life Insurance Lawyer
In Olathe, a fast-growing city known for its strong sense of family and historic charm, life insurance benefits are supposed to provide peace of mind not red tape. But when a claim is denied or endlessly delayed, families are left fighting for what’s rightfully theirs. At The Lassen Law Firm, we represent Olathe residents in life insurance disputes of every kind, quickly, aggressively, and with a personal touch.
Whether you're near Lake Olathe, along Santa Fe Street, or in neighborhoods like Heritage Park or Prairie Highlands, we bring over 25 years of national experience and hundreds of millions recovered to protect your rights.
Why Olathe Families Choose The Lassen Law Firm
Life insurance law is all we do, every type of policy, every type of denial
You work directly with attorney Christian Lassen, not a case manager
No upfront fees, if we don’t win, you don’t pay
Nationwide representation with a local focus in Johnson County and across Kansas
Types of Life Insurance Disputes We Handle in Olathe
Policy Lapses and Missed Payments
We investigate whether notices were sent and whether Kansas notice and grace period laws were followed.
Accidental Death (AD&D) Denials
If a loved one’s accidental death claim was rejected due to intoxication, high-risk activity, or a vague exclusion, we know how to fight back.
Misrepresentation Claims
Insurance companies frequently use errors or omissions on the original application as an excuse to deny benefits, especially within the contestability period. We break down their tactics and challenge the denial.
Contested Beneficiaries
When a life insurance payout is tied up in a dispute between ex-spouses, stepchildren, or other family members, we litigate aggressively to enforce rightful designations.
Federal and Group Life Insurance (FEGLI, SGLI, ERISA)
We handle denials from employer plans, military coverage, and federal employee policies.
Proven Success in Kansas and Nationwide
$207,000 recovered after a wrongful lapse denial due to an insurer’s failure to follow notice procedures
$512,000 secured for an Olathe family after a beneficiary dispute was resolved in favor of the decedent’s child
$345,000 paid on an AD&D claim after the insurer improperly invoked an intoxication exclusion
We Serve Every Corner of Olathe and Johnson County
Including:
Heritage Park
Prairie Highlands
Mahaffie
Indian Creek
Lake Olathe neighborhoods
And all surrounding areas in the Kansas City metro
What Sets Our Firm Apart
In-depth policy analysis and prompt legal action
Appeals and litigation experience against all major insurers
Compassionate, clear communication throughout your case
You only pay if we recover money for you
Talk With an Experienced Olathe Life Insurance Lawyer Today
Don’t leave your family’s financial future in the hands of an insurance company. We’re here to fight for your rights and recover the benefits your loved one intended for you to receive.
Call 800-330-2274 now to speak directly with attorney Christian Lassen.
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
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
-
“They tried to deny my mom’s claim by referencing a vague exclusion clause. Christian quickly proved the exclusion didn’t apply. What seemed impossible at first became a closed case thanks to their persistence.”- Thomas E.
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.