Rockville MD Life Insurance Lawyer
In Rockville, a thriving city known for its rich history and vibrant community, navigating life insurance claims can still be a frustrating 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 Rockville secure the financial protection they deserve. Whether you’re near the bustling Town Center, the scenic Rock Creek Park, or anywhere across Montgomery 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 nationally recognized attorney Christian Lassen, Esq., The Lassen Law Firm focuses exclusively on denied, delayed, or disputed life insurance claims. With over 25 years of experience and hundreds of millions recovered for beneficiaries across the country, we fight relentlessly to ensure our clients receive the benefits they are owed.
Why Rockville Clients Choose The Lassen Law Firm
Exclusive Life Insurance Focus: We do one thing and do it exceptionally well—life insurance law.
Nationwide Experience: Serving all 50 states, including deep knowledge of Maryland-specific insurance regulations.
Direct Attorney Access: You work directly with Christian Lassen from start to finish.
Recent Successes for Maryland Policyholders
$720,000 Prudential payout for a Rockville family after a claim was denied due to misstatement of age. We proved the error was administrative and secured the full benefit.
$640,000 payout in a disputed AD&D claim involving a fatal car crash. The insurer attempted to invoke an intoxication exclusion, which we disproved with expert toxicology review.
$590,000 recovery under an ERISA group policy where an employer failed to submit enrollment paperwork. We held both the employer and insurer accountable.
Life Insurance Disputes We Resolve
Accidental death and dismemberment (AD&D) claim denials
Policy lapse and non-payment allegations
Application misrepresentation issues
Beneficiary designation conflicts and contests
ERISA group plan denials and appeals
Serving the Rockville Area and Beyond
We proudly serve clients in:
Rockville Town Center
Twinbrook
King Farm
Fallsgrove
Derwood
Gaithersburg
Aspen Hill
Bethesda
Whether you have an individual policy or are covered through a Maryland-based employer, we bring the legal firepower needed to take on big insurance companies and win.
Our Services Include
Free, no-obligation claim evaluations
Strategic negotiation and documentation with insurers
State and federal litigation if needed
Ongoing legal support until your case is resolved
No Fee Unless We Win
We charge nothing unless we recover compensation for you. Every case begins with a free 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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“Apparently, there were so-called inconsistencies on the application. The insurer used that as an excuse to avoid paying. Thankfully, Lassen Law stepped in and proved everything had been disclosed accurately. Claim paid.”- Rebecca M.
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.