Bowling Green Life Insurance Lawyer
In Bowling Green, a city where Southern charm meets innovation and education, families count on life insurance to provide stability when it matters most. But when a claim is unfairly delayed or denied, that sense of security quickly turns to stress. At The Lassen Law Firm, we represent individuals and families in Bowling Green and throughout Warren County, fighting back against life insurance companies that refuse to pay what’s owed.
From downtown Bowling Green and Western Kentucky University to neighborhoods like McFadden, Plano, and Alvaton, we deliver aggressive legal support backed by decades of experience and hundreds of millions in recoveries.
Why Bowling Green Residents Turn to The Lassen Law Firm
We Handle Only Life Insurance Cases
Every client we serve is dealing with a life insurance claim. That focus means sharper strategies and faster results.
We Understand Kentucky Law and Nationwide Policies
Whether it’s a private policy, group plan, or federal coverage like FEGLI or SGLI, we know how to take on any type of denial.
Christian Lassen Works Directly With You
Your case will never be passed to a paralegal or intake coordinator. You’ll speak directly with a national life insurance attorney.
No Recovery, No Fee
If we don’t win your case, you don’t owe us anything. It’s that simple.
Types of Life Insurance Disputes We Handle in Bowling Green
Lapsed Policy Denials
We investigate whether proper notices were sent, and if the insurer violated grace period laws.
Accidental Death Exclusions
When insurers try to avoid payment by citing alcohol, drugs, or technicalities, we challenge them with evidence and legal pressure.
Misrepresentation Allegations
We push back on denials that rely on immaterial or irrelevant details from policy applications.
Contested Beneficiary Cases
Whether it’s a dispute involving ex-spouses or family members, we protect your rights and pursue the payout you’re owed.
Federal and Military Policy Denials
Our firm regularly handles cases involving FEGLI, SGLI, and other federally regulated life insurance policies.
Recent Successes for Kentucky Clients
$92,000 recovered for a Warren County family after a denied claim due to alleged misrepresentation insurer backed down before trial
$318,000 paid to a widow after a lapse denial was overturned due to lack of proper notice
$250,000 secured in an AD&D claim where the insurer cited drug use, but medical records proved otherwise
We Serve Clients Across Bowling Green and Warren County
Including:
Downtown Bowling Green
McFadden
Plano
Rockfield
Alvaton
Three Springs
Briarwood
And surrounding communities
Let Us Help You Get the Benefits You Deserve
If your claim has been delayed, denied, or disputed, don’t wait. The insurance company has lawyers so should you.
Call The Lassen Law Firm at 800-330-2274 for a free consultation, or reach out through our contact form today.
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
-
“The insurer said there was a misstatement in the application and flat-out denied the claim. I contacted the Lassen Law Firm, and they immediately launched a legal challenge. In the end, they got the full benefit paid without me even stepping into a courtroom.”- Karen D.
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.