Baltimore Life Insurance Lawyer
In Baltimore, Maryland's largest city and a historic center of commerce and culture, families facing life insurance disputes often encounter aggressive tactics from insurers determined to delay or deny payment. At The Lassen Law Firm, we focus exclusively on life insurance claims, helping Baltimore residents recover the benefits they are legally and rightfully entitled to receive.
Led by nationally recognized attorney Christian Lassen, Esq., our firm brings over 25 years of experience handling denied, delayed, and disputed life insurance claims. With hundreds of millions recovered for beneficiaries across the country, we provide trusted legal counsel and powerful advocacy for individuals and families in Baltimore and throughout Maryland.
Why Baltimore Clients Choose The Lassen Law Firm
We Only Handle Life Insurance Cases: Our entire practice is dedicated to life insurance law—no personal injury, no general litigation, just life insurance.
Serving All 50 States: Whether your policy is private, employer-sponsored, or governed by federal ERISA law, we can help.
Direct Access to Your Attorney: Clients speak directly with attorney Christian Lassen, not case managers or junior staff.
Real Recoveries for Maryland Beneficiaries
$790,000 Prudential payout for a Baltimore widow whose claim was delayed due to an outdated beneficiary form. We proved the decedent’s intent with corroborating documentation.
$670,000 Mutual of Omaha payment after a denied AD&D claim following a death ruled "accidental overdose." We disproved the intoxication exclusion with medical expert review.
$600,000 AIG policy for a family in Park Heights after a lapse dispute was raised due to alleged non-payment. We uncovered misapplied premium payments by the insurer.
Life Insurance Disputes We Handle in Baltimore
AD&D Claim Denials: Especially those involving alcohol or drug exclusions, criminal conduct allegations, or classification of deaths as non-accidental.
Lapse and Non-Payment Disputes: We investigate whether proper grace periods and notices were sent, as required under Maryland law.
Misrepresentation Allegations: Claims denied due to alleged false statements on the policy application.
Beneficiary Contests: Cases involving ex-spouses, handwritten changes, or family disputes over rightful payouts.
ERISA Employer Group Denials: Including appeals and federal lawsuits for Baltimore employees covered under workplace plans.
We Serve the Entire Baltimore Region
Whether you reside in:
Inner Harbor
Federal Hill
Mount Vernon
Roland Park
Cherry Hill
Canton
Park Heights
Dundalk
Towson
Catonsville
We provide aggressive representation tailored to your circumstances. No matter where you live in Baltimore City or Baltimore County, our firm is ready to help.
Our Services Include
Comprehensive claim analysis and documentation review
Communication and negotiation with insurance companies
Filing lawsuits in Maryland state or federal court when necessary
Full client support from intake to resolution
No Recovery, No Fee
There are no upfront costs. We only get paid if we recover money for you. Every case begins with a free, confidential consultation.
Call The Lassen Law Firm at 800-330-2274 to speak directly with attorney Christian Lassen 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 13, 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 deny my mom’s claim by referencing a vague exclusion clause. Christian quickly proved the exclusion didn’t apply. What seemed impossible at first became a closed case thanks to their persistence.”- Thomas E.
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.