Lafayette Life Insurance Lawyer
In Lafayette, where Cajun roots run deep and family comes first, denied or delayed life insurance benefits can shake your foundation. At The Lassen Law Firm, we help Lafayette families get the money they’re owed fast. Whether your claim was wrongfully denied, unfairly delayed, or tangled in a legal dispute, we bring unmatched experience and national results to your side.
Why Choose The Lassen Law Firm for Your Lafayette Claim
We focus only on life insurance law
Denied claims. Delayed payments. Beneficiary fights. That’s all we do.
Led by nationally recognized attorney Christian Lassen
25 years of experience, quoted by The Wall Street Journal, and known for recovering hundreds of millions in payouts for clients across the country.
No fee unless we recover money for you
Zero upfront cost. We get paid only when you do.
Types of Life Insurance Cases We Handle
Claims denied due to alleged misrepresentation
Accidental death benefit rejections
ERISA disputes from employer-provided policies
Lapsed policy issues and premium non-payment defenses
Federal life insurance claims (FEGLI, SGLI)
Contested beneficiary changes or forged forms
Serving Lafayette and All of Acadiana
From downtown Lafayette and River Ranch to Broussard, Youngsville, Carencro, and across Lafayette Parish, we handle cases in every neighborhood, every zip code. You don’t need to drive to New Orleans or Baton Rouge we handle everything remotely and fast.
Proven Results. Real Recovery.
$750,000 recovered after a contestability denial over a diabetes diagnosis
$400,000 payout forced after a delay by a national insurer claiming lack of documents
$1.2 million paid after a disputed ERISA group plan claim
Call Us Before You Give Up
Insurance companies deny claims hoping you’ll walk away. We don’t let them win. You paid premiums for years. Now it’s time they pay you.
Call 800-330-2274 for a free consultation or submit your case online for fast review.
Written & Reviewed by Christian Lassen, Esq.
National Life Insurance Lawyer | 25+ Years’ 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 didn’t list a prior policy cancellation, and they used that to deny our claim. Lassen Law proved it was irrelevant and unrelated to the cause of death. We received the benefit without a prolonged legal battle.”- Daniel S.
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.