New Orleans Life Insurance Lawyer
In New Orleans, where resilience defines the city and every street echoes with history, the shock of a denied life insurance claim can strike just as deeply as the loss itself. At The Lassen Law Firm, we help families in New Orleans fight back against life insurance companies that delay, underpay, or deny benefits without just cause. Whether you’re in the French Quarter, Mid-City, Algiers, or along the banks of the Mississippi, we bring unmatched experience and national firepower to your case.
Why New Orleans Families Trust The Lassen Law Firm
We focus exclusively on life insurance law
That’s all we do, no injury claims, no distractions. Just aggressive representation for policyholders and beneficiaries.
Attorney-led litigation, not call-center runaround
When you hire us, Christian Lassen personally leads your case. No junior associates. No voicemail mazes.
Serving all 50 states
We handle Louisiana claims involving private policies, ERISA group plans, and federal benefits like SGLI, VGLI, and FEGLI.
No fees unless you recover
We only get paid if we win. You risk nothing upfront.
Types of Life Insurance Denials We Handle in New Orleans
Lapse disputes
We analyze payment records, grace period violations, and missed premium notices.
Accidental death exclusions
We challenge insurers who rely on toxicology reports or stretch definitions to dodge AD&D payouts.
Contestability and misrepresentation
If your claim was denied during the two-year window, we break down vague or irrelevant misstatements that insurers exploit.
Beneficiary challenges
We represent rightful claimants in disputes involving multiple beneficiaries, changes under duress, or forged designations.
Federal and military policy appeals
Our team knows the ins and outs of FEGLI, SGLI, and other government-backed policies.
Notable Wins in Louisiana and the Gulf Region
$412,000 paid after a lapse-based denial was reversed by proving notice failure under Louisiana law
$275,000 secured for a New Orleans East family after insurer improperly applied a drug-use exclusion
$600,000 recovered in a contested beneficiary case involving allegations of undue influence
Serving Every Neighborhood in New Orleans and Beyond
We proudly represent clients in:
French Quarter
Garden District
Mid-City
Bywater
Algiers
Uptown
Gentilly
Marigny
And throughout Orleans Parish
Don't Let a Denial Go Unchallenged
Insurance companies count on you giving up. We don’t. Contact The Lassen Law Firm today to fight for the money your loved one intended for you.
Call 800-330-2274 now for a free consultation or submit your case through our secure online form.
Written & Reviewed by Christian Lassen, Esq.
National Life Insurance Attorney | 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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“They tried to connect my father’s death to an undisclosed pre-existing condition. Christian's firm reviewed the full medical file and showed it had no bearing. Within a month, we had the check.”- Susan B.
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.