Detroit Life Insurance Lawyer
In Detroit, a city renowned for its rich history as the Motor City and its vibrant arts and music scene, 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 dedicated to helping families and individuals in Detroit secure the financial protection they deserve. Whether you’re near the bustling Downtown area, the iconic Detroit Riverwalk, or anywhere across Wayne County, we provide trusted legal expertise and personalized guidance every step of the way. Our experienced and trusted Michigan 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 nationwide, we fight to ensure families receive the benefits they were promised.
Why Detroit Families Trust The Lassen Law Firm
Focused Legal Practice: We handle only life insurance denials, delays, and disputes.
Serving the Nation: We represent clients across all 50 states, including Michigan policyholders.
Direct Attorney Access: Clients work one-on-one with Christian Lassen, from consultation through resolution.
Case Highlights for Michigan Clients
$765,000 settlement for a Detroit family after a policy lapse was wrongfully claimed during medical leave.
$710,000 payout after a misrepresentation denial, where we proved that the insured disclosed all required medical history.
$635,000 recovery following a denied AD&D claim involving an exclusion that did not apply under Michigan law.
Common Life Insurance Disputes We Handle
Denials involving accidental death and dismemberment (AD&D)
Claims denied for alleged misrepresentation or nondisclosure
Lapse and grace period disputes
Beneficiary challenges and fraud allegations
ERISA-governed employer policy denials and appeals
Serving All of Detroit and Surrounding Areas
We advocate for clients throughout Wayne County, including:
Downtown Detroit
Midtown
Corktown
Greektown
East English Village
Dearborn
Redford
Hamtramck
Highland Park
Grosse Pointe
Whether your policy is private or employer-sponsored, The Lassen Law Firm is ready to protect your rights and fight for what you are owed.
What Sets Us Apart
No upfront fees
Extensive experience with both state and federal claims
Relentless litigation when necessary
Free consultations to assess your case
Contact Us Today
If your life insurance claim has been denied or delayed, contact The Lassen Law Firm at 800-330-2274 for a free consultation with attorney Christian Lassen.
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 alleged policy fraud and said they wouldn’t pay. But Christian Lassen’s firm uncovered emails showing the insurer had approved everything months earlier. They settled the case quietly and quickly once the truth came out.”- Linda T.
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.