Southaven Life Insurance Lawyer
In Southaven, a growing city just south of Memphis known for its vibrant community and family-friendly atmosphere, dealing with a denied or delayed life insurance claim can place an unnecessary burden on grieving families. At The Lassen Law Firm, we help Southaven residents fight back when insurance companies refuse to pay. Whether you live near Snowden Grove, Silo Square, or anywhere across DeSoto County, our team offers focused legal support and aggressive representation to get you the payout your loved one intended.
Christian Lassen, Esq., brings more than 25 years of experience handling life insurance disputes across the nation. Our firm has recovered hundreds of millions of dollars for clients who were wrongfully denied benefits under both private and employer-sponsored life insurance policies.
Why Southaven Families Work With The Lassen Law Firm
Life Insurance Is Our Only Focus — We do not handle personal injury or general legal matters.
Serving Clients in All 50 States — Including Mississippi-based group and individual policies.
Work Directly With Attorney Christian Lassen — Your case won't be passed to an assistant or paralegal.
Mississippi Life Insurance Claim Results
$700,000 payout after an insurer wrongfully claimed the insured misrepresented medication use
$660,000 AD&D recovery for a client near Southaven whose claim was denied under a criminal act exclusion
$615,000 settlement after a grace period notice was never properly mailed
We Handle All Types of Life Insurance Disputes in Southaven
Denied accidental death & dismemberment (AD&D) claims
Lapse disputes involving missed payments or notice failures
Denials based on alleged misrepresentations in the application
Group policy denials under ERISA law
Beneficiary disputes, including challenges by ex-spouses or competing claimants
Proudly Serving the Southaven Area and Beyond
Snowden District
Silo Square
Plum Point
Central Southaven
Horn Lake
Olive Branch
Hernando
Whether your policy is individual or provided through an employer, we will examine every detail and fight to secure your rightful benefits.
We Offer
Free case evaluations
No legal fees unless we recover for you
Rapid response and personalized service
Powerful negotiation and litigation when needed
Contact The Lassen Law Firm
Call 800-330-2274 now to speak directly with attorney Christian Lassen and get the help you need.
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 insurer said there was a misstatement in the application and flat-out denied the claim. I contacted the Lassen Law Firm, and they immediately launched a legal challenge. In the end, they got the full benefit paid without me even stepping into a courtroom.”- Karen D.
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.