Duluth Life Insurance Lawyer
In Duluth, a stunning city nestled along the shores of Lake Superior and renowned for its natural beauty and welcoming community, 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 Duluth secure the financial protection they deserve. Whether you’re near the bustling Canal Park, the scenic Skyline Parkway, or anywhere across St. Louis County, we provide trusted legal expertise and personalized care every step of the way. Our experienced and trusted Minnesota life insurance lawyers are here to help.
Led by nationally recognized attorney Christian Lassen, Esq., The Lassen Law Firm focuses exclusively on denied, delayed, and disputed life insurance claims. With over 25 years of experience and hundreds of millions recovered for clients nationwide, we fight relentlessly on behalf of Duluth families.
Why Duluth Residents Turn to The Lassen Law Firm
Exclusive Focus: Life insurance law is all we do.
Serving the Nation: Including private and employer-sponsored policies in Minnesota.
Direct Representation: Christian Lassen personally handles your case — no handoffs.
Recent Victories for Minnesota Clients
$715,000 settlement for a denied policy due to alleged alcohol involvement in a car accident.
$655,000 payout recovered after a lapse dispute during extended hospitalization.
$690,000 claim paid following a denied AD&D policy due to misapplied exclusion language.
Duluth Life Insurance Cases We Handle
Denials involving accidental death (AD&D) clauses
Disputes over policy lapses and missed premiums
Misrepresentation allegations based on medical history
ERISA employer-provided policy appeals
Beneficiary conflicts and contested payouts
Serving Duluth and Surrounding Areas
Canal Park
Congdon Park
Lincoln Park
Chester Park
Lakeside-Lester Park
Downtown Duluth
Central Hillside
East Hillside
From the Lakewalk to the Skyline Parkway, our firm is ready to fight for your rights throughout St. Louis County.
What You Can Expect from Us
Thorough claim analysis
Expert negotiation and litigation strategy
No fees unless we win
Compassionate support during difficult times
Call The Lassen Law Firm Today
Denied or delayed life insurance claim? Call 800-330-2274 now for a free consultation with 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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“After waiting months with no payout, the insurer claimed we hadn’t submitted the right paperwork. The Lassen Law Firm took over, gathered the necessary forms, and pushed the claim through in under three weeks. Efficient and professional from start to finish.”- Michael H.
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.