Topeka Life Insurance Lawyer
In Topeka, where state government, family values, and rich Midwestern tradition intersect, a denied life insurance claim can create financial turmoil when families are already grieving. At The Lassen Law Firm, we fight for Topeka residents facing wrongful life insurance denials, delays, and disputes, and we do it with the urgency and skill these claims demand.
Whether you're near the Kansas State Capitol, in Potwin Place, College Hill, or around Gage Park, we provide direct, attorney-led representation backed by decades of experience and a nationwide record of success.
Why Topeka Families Trust The Lassen Law Firm
100% of our practice is life insurance litigation, this is all we do
Every client works with Christian Lassen directly, not an assistant or call center
No fee unless we win period
Proven results against insurers in both state and federal court
Life Insurance Disputes We Handle in Topeka and Shawnee County
Policy Lapse and Nonpayment Disputes
We uncover whether required notices were sent, premiums were mishandled, or grace periods ignored.
AD&D Denials (Accidental Death)
We challenge denials involving exclusions for alcohol, drugs, criminal acts, or high-risk activities—often used unfairly to avoid paying valid claims.
Misrepresentation or Contestability Denials
If the claim is denied based on alleged false statements from years ago, we challenge the basis and force insurers to prove their case.
Beneficiary Conflicts and Interpleader Lawsuits
When families dispute who should receive the money, we fight to uphold the rightful designation and avoid drawn-out litigation when possible.
Employer and Federal Life Insurance (ERISA, SGLI, FEGLI)
From state workers to federal employees and veterans, we handle complex group and government policy denials.
Recent Results: Nationwide and Kansas Success
$184,000 recovered after a lapse denial involving Kansas group life insurance
$475,000 secured in an AD&D case following a wrongful intoxication-based denial
$300,000 paid to a Topeka widow after a prolonged dispute over a misfiled beneficiary form
Local Areas We Serve in Topeka
Potwin Place
Westboro
College Hill
Oakland
Central Park
Ward-Meade
Gage Park and surrounding areas
We also represent clients throughout Shawnee County and across Kansas.
What You Can Expect from Our Firm
Immediate review of the denial letter and policy terms
A clear, strategic plan tailored to your case
Personal communication from a seasoned attorney
Aggressive pursuit of benefits through appeal or litigation
Take Action Now We’re Ready to Help
You only get one chance to claim what your loved one left behind. Don’t let the insurance company bury your rights in fine print.
Call The Lassen Law Firm at 800-330-2274 for a free consultation with Christian Lassen, Esq.
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!
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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 alleged policy fraud and said they wouldn’t pay. But Christian Lassen’s firm uncovered emails showing the insurer had approved everything months earlier. They settled the case quietly and quickly once the truth came out.”- Linda T.
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.