Grand Rapids Life Insurance Lawyer
In Grand Rapids, a city celebrated for its vibrant arts scene, historic charm, and scenic riverfront, 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 dedicated to helping families and individuals in Grand Rapids secure the financial protection they deserve. Whether you’re near the bustling Downtown area, the beautiful Frederik Meijer Gardens, or anywhere across Kent County, we provide trusted legal expertise and personalized care 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 Grand Rapids Families Trust The Lassen Law Firm
Exclusive Focus on Life Insurance: We only handle life insurance claim denials, delays, and disputes.
Serving the Nation: We help clients throughout Michigan and across all 50 states.
Attorney-Led Representation: Clients deal directly with Christian Lassen from start to finish.
Results for Michigan Clients
$720,000 settlement after an employer-provided policy denial based on late premium payments. We proved the insurer failed to provide the required notices.
$675,000 payout for a Grand Rapids family after a claim was denied for alleged misrepresentation. We demonstrated the application was complete and truthful.
$605,000 recovery in an AD&D case where the insurer wrongfully applied a "drug use" exclusion.
Life Insurance Cases We Handle in Grand Rapids
Accidental death & dismemberment (AD&D) claim denials
Lapsed policy disputes and grace period violations
Contestability and alleged misrepresentation
Beneficiary disputes, fraud, and conflicting claims
ERISA employer-sponsored life insurance denials
We Serve All of Kent County, Including:
Heritage Hill
East Grand Rapids
Alger Heights
Westside Connection
Northview
Wyoming
Kentwood
Walker
Forest Hills
Cascade Township
No matter where in the Grand Rapids region you live or what type of life insurance policy is involved, we’re prepared to help you recover the benefits your loved one intended.
What You Can Expect From Our Firm
No upfront fees as we only get paid if you do
Strategic claim review and aggressive negotiation
Litigation when insurers refuse to pay
Free consultation with a life insurance attorney
Call Now for a Free Consultation
If your life insurance claim has been denied or delayed, don’t wait. Call The Lassen Law Firm at 800-330-2274 to speak directly 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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“The company claimed my dad died during a criminal act and denied the policy. Christian’s firm conducted their own investigation, cleared his name, and the benefit was paid in full. They didn’t back down.”- Steven
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.