Baton Rouge Life Insurance Lawyer
In Baton Rouge, where Southern heritage meets the pulse of a modern capital, life insurance disputes often arise when families are already at their most vulnerable. If your claim has been denied, delayed, or undervalued, The Lassen Law Firm is here to fight for what you're rightfully owed. From downtown Baton Rouge to the LSU campus, Spanish Town, and across East Baton Rouge Parish, we represent clients with skill, urgency, and compassion.
Why Baton Rouge Families Hire The Lassen Law Firm
Exclusive focus on life insurance law
We don’t dabble in injury claims or general practice, we fight insurers and win.
Christian Lassen personally leads your case
You’re not passed off to junior staff. You get the lawyer featured in The Wall Street Journal.
Serving all 50 states, including Louisiana
Whether your case involves private life insurance, a federal employee policy, or an ERISA-based denial, we have the experience and credentials to prevail.
No upfront fees ever
You only pay if we recover money for you. Simple and risk-free.
We Handle Every Type of Life Insurance Denial in Louisiana
Lapse or non-payment disputes
Misrepresentation during the contestability period
Beneficiary contests and will-based conflicts
Accidental death exclusions
Suicide clauses
Military, FEGLI, and SGLI claims
ERISA group plan denials
Recent Successes in Louisiana
$450,000 recovered after a lapse denial was overturned due to improper notice under state law
$290,000 secured for a Baton Rouge family when the insurer tried to void a claim based on alleged medical nondisclosure
$1.2 million payout in a dispute over forged beneficiary change forms
Serving All of Baton Rouge and Surrounding Communities
We proudly advocate for clients in:
Downtown
Garden District
Mid City
Broadmoor
Southdowns
Old Jefferson
Sherwood Forest
And all across East Baton Rouge Parish
Don’t Let the Insurance Company Keep What’s Yours
Life insurance is meant to protect your future, not fund an insurer’s bottom line. When they say no, we step in. The Lassen Law Firm is ready to fight back and win.
Call 800-330-2274 today for a free consultation or submit your claim online for a fast review.
Written & Reviewed by Christian Lassen, Esq.
Nationally Recognized 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.