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
-
“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 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.
-
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.
-
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.
-
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.