Wichita Life Insurance Lawyer
In Wichita, Kansas’s largest city and a hub of aviation, education, and culture, life insurance should offer peace of mind not frustration. But when insurers delay or deny claims, grieving families are left without the financial protection they were promised. At The Lassen Law Firm, we help Wichita residents navigate these disputes and recover the benefits they are rightfully owed.
Whether you're in Old Town, College Hill, near the Keeper of the Plains, or along the Arkansas River, our firm brings over 25 years of national experience to clients across Sedgwick County. Attorney Christian Lassen focuses exclusively on life insurance litigation and has recovered hundreds of millions for beneficiaries across the country.
Why Wichita Families Choose The Lassen Law Firm
Life insurance is all we do. Every case, every day.
National reach with local focus. Serving all 50 states.
Attorney access from start to finish. No middlemen or case handoffs.
No upfront fees. We only get paid if you win.
Common Life Insurance Disputes in Wichita
Policy Lapse Disputes
We review whether proper grace period and notice procedures were followed before termination.
Accidental Death Denials (AD&D)
We challenge exclusions related to alcohol, criminal activity, or “hazardous behavior” that are often misused by insurers.
Misrepresentation Allegations
Denials based on old or irrelevant application answers are common. We counter these with hard evidence and expert opinions.
Contested Beneficiaries
If multiple parties are claiming the benefit, we help resolve the matter through negotiation or litigation.
ERISA & Group Coverage
We handle employer-based and federal policies, including SGLI, VGLI, and FEGLI for Wichita's veterans and government workers.
Local Results & Experience
$305,000 recovered after a lapse denial from a Kansas-based insurer was overturned due to defective notice.
$112,000 secured for a client in Riverside after a misapplied suicide exclusion was challenged and reversed.
$470,000 paid out following an AD&D dispute involving a motorcycle accident near Kellogg Avenue.
We Serve All Neighborhoods Across Wichita
Including:
Old Town
Riverside
College Hill
Delano
Eastborough
Benjamin Hills
South Central
Chisholm Creek
Maize and surrounding suburbs
What You Can Expect from Us
Full claim evaluation and legal strategy
Aggressive appeal and litigation when needed
Clear communication and fast response times
No legal fees unless we win your case
Your Life Insurance Denial in Wichita Doesn’t Have to Be Final
Insurers count on you giving up. We count on winning. Contact The Lassen Law Firm today for a free consultation and let us help you recover what your loved one intended for you to receive.
Call 800-330-2274 to speak with Christian Lassen directly.
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 said my brother’s death during a jet ski accident wasn’t covered because it was a high-risk activity. Lassen Law Firm carefully reviewed the policy and forced the insurer to pay up. Their legal arguments were rock solid.”- Laura P.
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.