Lexington Life Insurance Lawyer
In Lexington, a city known for its rolling horse farms, Southern elegance, and strong family roots, life insurance is meant to offer peace of mind, not a battle. Unfortunately, when benefits are denied or delayed, families are left fighting for the very security they were promised. At The Lassen Law Firm, we help Lexington residents take on powerful insurance companies and win the benefits they deserve.
From downtown Lexington to neighborhoods like Chevy Chase, Beaumont, and Masterson Station, we represent clients across Fayette County with experienced, aggressive legal advocacy focused exclusively on life insurance claims.
Why Lexington Families Choose The Lassen Law Firm
Life Insurance Law Is All We Do
Every case involves a life insurance policy, no distractions, no diluted focus.
We Know Kentucky Law and National Policy Rules
Whether the issue involves Kentucky lapse laws, federal government policies, or ERISA plans, we have the tools to take on any insurer.
Christian Lassen Handles Every Case Personally
You won’t get shuffled off to a case manager. You’ll speak directly with a nationally recognized life insurance attorney.
No Fee Unless We Win
You pay nothing unless we recover money on your behalf.
We Handle All Types of Lexington Life Insurance Disputes
Policy Lapse Denials
We dig into whether proper notice was issued. Many "nonpayment" denials are based on flawed or illegal practices.
Accidental Death Benefit Denials
When insurers blame drug use, criminal activity, or technicalities, we push back with evidence and legal precedent.
Alleged Misrepresentation
If they claim something on the application was false, we investigate how material or immaterial the issue really is.
Beneficiary Disputes and Interpleaders
Whether it’s an ex-spouse, a handwritten change, or a conflict among family, we work to ensure the rightful party is paid.
Group Plans and Federal Policies (FEGLI, SGLI, VGLI)
We routinely handle denials under employer-sponsored and military policies across Kentucky.
Recent Wins for Clients in Kentucky
$325,000 recovered for a Lexington widow after an AD&D exclusion was wrongly applied following a car crash
$610,000 paid in a delayed SGLI case after months of bureaucratic stalling
$87,000 awarded to a Fayette County resident denied due to an alleged lapse, proof showed notice was never sent
Proudly Serving Every Neighborhood in Lexington
Including:
Beaumont
Masterson Station
Chevy Chase
Ashland Park
Southland
Hamburg
Bryan Station
And surrounding areas throughout Fayette County
Get the Support You Deserve
You only get one chance to recover the life insurance benefits your loved one left behind. Don’t face the process alone.
Call The Lassen Law Firm at 800-330-2274 today for a free consultation with attorney Christian Lassen, or submit your claim through our contact form.
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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“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
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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.