Frederick Life Insurance Lawyer
In Frederick, a historic city known for its picturesque landscapes and charming downtown, navigating life insurance claims can still be a stressful and overwhelming process, especially when benefits are unfairly delayed or denied. At The Lassen Law Firm, we are committed to helping families and individuals in Frederick secure the financial peace of mind they deserve. Whether you’re near Carroll Creek Park, the bustling Market Street, or anywhere across Frederick County, we provide trusted legal expertise and personalized guidance every step of the way. Our experienced and trusted Maryland life insurance lawyers are here to help.
Led by attorney Christian Lassen, Esq., a nationally recognized life insurance lawyer with more than 25 years of experience, The Lassen Law Firm focuses exclusively on denied, delayed, or disputed life insurance claims. With hundreds of millions recovered for beneficiaries nationwide, we have the skills and determination to take on even the most complex cases.
Why Clients in Frederick Trust The Lassen Law Firm
Exclusive Focus on Life Insurance Law: We don’t handle anything else. Our sole focus is helping clients recover denied life insurance benefits.
Serving All 50 States: Whether your policy is governed by Maryland law or federal ERISA statutes, we can help.
Direct Access to Your Attorney: Every client works one-on-one with Christian Lassen—no gatekeepers, no paralegals.
Recent Successes for Maryland Beneficiaries
$765,000 payout after a Frederick family’s claim was denied under an intoxication exclusion. Our legal team disproved the insurer’s toxicology analysis and secured the full benefit.
$630,000 recovered in a lapse dispute after a missed premium was blamed on the policyholder. We showed the insurer failed to provide adequate notice.
$550,000 from an ERISA group policy for a client near Thurmont, after their employer mishandled plan enrollment.
We Handle All Types of Life Insurance Disputes
Accidental death and dismemberment (AD&D) denials
Alleged policy lapses due to non-payment
Misrepresentation on applications
Beneficiary disputes involving former spouses or family conflicts
Group policy and ERISA appeals and lawsuits
Local Representation Throughout Frederick County
We serve clients in:
Downtown Frederick
Baker Park
Ballenger Creek
Urbana
Thurmont
Walkersville
Brunswick
Middletown
Whether the policy is individual or employer-sponsored, we know the local and federal laws that apply and how to fight back against unfair claim practices.
What to Expect
A thorough case review at no charge
Honest evaluation of your legal options
No fees unless we win your case
Litigation support in Maryland state and federal courts
Get the Help You Deserve
If your life insurance claim has been denied or delayed, don’t wait. Call The Lassen Law Firm today at 800-330-2274 to speak directly with Christian Lassen and start your free consultation.
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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“The insurer said my wife’s death was suicide and refused to pay, citing a policy exclusion. I knew that wasn’t true. The team at Lassen Law proved the exclusion period had ended. They handled everything and got me justice.”- Robert 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.