Top
Warren Life Insurance Attorney

Warren MI Life Insurance Lawyer

In Warren, Michigan’s largest city in Macomb County and a hub of industry and innovation, navigating life insurance claims can still be a frustrating and overwhelming experience, especially when benefits are unfairly delayed or denied. At The Lassen Law Firm, we are dedicated to helping families and individuals in Warren secure the financial protection they deserve. Whether you’re near the bustling General Motors Technical Center, the serene Warren Community Center, or anywhere across Macomb 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 solely on denied, delayed, or disputed life insurance claims. With over 25 years of experience and hundreds of millions recovered for clients nationwide, we bring unmatched dedication and results to every case we handle in Michigan.

Why Warren Residents Choose The Lassen Law Firm

Exclusive Focus: We handle only life insurance claim denials, delays, and disputes.

Nationwide Representation: Serving all 50 states, including Michigan.

Personalized Service: Clients work directly with attorney Christian Lassen from start to finish.

Notable Recoveries for Michigan Clients

$695,000 settlement for a Warren family after a denied AD&D claim involving a "hazardous activity" exclusion.

$645,000 payout after a lapse-related denial where the insurer failed to give proper grace period notice.

$612,000 recovery for a beneficiary dispute where competing claims delayed rightful payment.

Types of Life Insurance Claims We Handle in Warren

Denials involving accidental death & dismemberment (AD&D)

Claims denied based on alleged misrepresentations or omissions

Lapse disputes and grace period violations

Contested beneficiary cases and suspected fraud

ERISA-based denials under employer-provided plans

Areas We Serve Throughout Warren and Macomb County

Downtown Warren

Fitzgerald

Beierman Farms

Warren Woods

Southeast Warren

Van Dyke Corridor

Roseville

Sterling Heights

Center Line

Eastpointe

Whether you have a private policy or a group plan through an employer, The Lassen Law Firm stands ready to protect your rights and secure the benefits you’re owed.

Why Clients Trust Us

No upfront costs

Aggressive litigation when needed

Proven negotiation strategies

Free case evaluation with a licensed life insurance attorney

Get Help Today

If your life insurance claim has been denied or delayed, contact The Lassen Law Firm at 800-330-2274 for a 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!

  • 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.

  • No. In most states, insurers must send a written notice of overdue premiums and warn of pending lapse before terminating coverage.

  • The policy may still be enforceable. Beneficiaries can challenge the lapse based on the insurer’s failure to provide required notice.

  • Yes. If the insured dies during the grace period, the policy is still considered active, and benefits should be paid.

  • Yes. In group life insurance policies, employers sometimes fail to forward premiums properly, leading to wrongful lapse denials.

  • Yes. If automatic payment setups fail through no fault of the insured, lapses may be challenged.

  • Some policies automatically borrow against cash value to cover missed payments. Failure to apply this correctly can lead to wrongful lapse claims.

  • Possibly. Some courts excuse nonpayment if the insured was mentally incapacitated and missed premiums without proper notice.

  • No. Reinstatement must occur while the insured is alive, but wrongful lapse denials can still be challenged posthumously.

  • Not without following strict notice and grace period rules. Beneficiaries can often challenge technical denials.

  • Deadlines vary by state, but it’s critical to act within 1 to 5 years depending on the policy and jurisdiction.

  • Not necessarily. Payments mailed within grace periods or accepted by insurers may keep coverage active.

  • Bank records, payment receipts, insurer correspondence, and premium notices are key evidence.

  • If the insurer used an outdated address despite updated information, lapse denials can often be overturned.

  • Possibly. If the insured submitted a reinstatement application before death, it may help challenge a lapse denial.

  • In some states, special grace periods and protections applied during COVID-19 emergencies. They can help fight wrongful lapses.

  • Only if the insurer followed all legal notice and grace period requirements. Otherwise, beneficiaries may still recover.

  • Misapplied premiums can lead to wrongful lapses — and courts often hold insurers accountable for these errors.

  • 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
    Foreign Death Documentation Delay
    “My husband died overseas, and the insurer stalled the claim citing lack of documentation. The Lassen team got official death records from abroad, translated and authenticated them, and made the insurer pay. They truly handled everything.”
    - Patricia W.

Why The Lassen Law Firm Is Different

  • Proven National Results
    Representing clients coast to coast and recovering hundreds of millions in denied life insurance claims, we secure justice and peace of mind for families everywhere.
  • Recognized Expertise
    Perfect 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.
  • Client-First Advocacy
    No upfront fees: our contingency fee guarantee aligns our interests with yours; we provide personalized, compassionate representation from your initial consultation through resolution.
  • Media & Community Leadership
    Quoted in The Wall Street Journal and featured in leading legal publications; frequent speaker at national conferences; dedicated to charitable efforts supporting pediatric cancer care.

Do You Need a Life Insurance Lawyer?

Please contact us for a free legal review of your claim. Every submission is confidential and reviewed by an experienced life insurance attorney, not a call center or case manager. There is no fee unless we win.

We handle denied and delayed claims, beneficiary disputes, ERISA denials, interpleader lawsuits, and policy lapse cases.

  • By submitting, you agree to receive text messages from at the number provided, including those related to your inquiry, follow-ups, and review requests, via automated technology. Consent is not a condition of purchase. Msg & data rates may apply. Msg frequency may vary. Reply STOP to cancel or HELP for assistance. Acceptable Use Policy