Kansas City MO Life Insurance Lawyer
In Kansas City, a vibrant Midwestern hub known for its legendary jazz, mouthwatering barbecue, and thriving arts and tech scene, dealing with a denied or delayed life insurance claim can be deeply frustrating for grieving families. At The Lassen Law Firm, we help individuals and families in Kansas City and surrounding areas fight back against wrongful life insurance denials and delays. Whether you're near the Power & Light District, the Country Club Plaza, or anywhere across Jackson, Clay, or Platte Counties, our firm delivers experienced, aggressive representation.
Led by nationally recognized life insurance attorney Christian Lassen, Esq., our firm has spent more than 25 years focused exclusively on life insurance law. We’ve recovered hundreds of millions of dollars on behalf of beneficiaries wronged by powerful insurance companies.
Why Kansas City Families Trust The Lassen Law Firm
Exclusively Focused on Life Insurance — We don’t handle anything else.
Serving All 50 States — Including employer-sponsored and individual policies in Missouri.
Work Directly With Christian Lassen — No case managers or junior associates.
Notable Missouri Claim Recoveries
$720,000 AD&D recovery after a fatal accident denial based on an intoxication clause
$680,000 settlement in a group life lapse dispute where required notices were not sent
$645,000 recovery for a contested beneficiary dispute between ex-spouse and child
Disputes We Handle in the Kansas City Region
Denied accidental death (AD&D) benefits
Alleged material misrepresentations on applications
Claims denied over policy lapse or non-payment
Disputes under ERISA employer-sponsored plans
Beneficiary challenges and interpleader actions
We Serve Clients Throughout Kansas City
Brookside
Country Club Plaza
Crossroads
Northland
Midtown-Westport
River Market
Hyde Park
Blue Springs
Independence
Whether your loved one had an individual policy or coverage through a Missouri employer, we can help. We investigate every legal detail and push back hard against insurance companies that deny rightful claims.
What to Expect From Our Firm
Free, confidential consultation
No fee unless we recover benefits
Detailed claim analysis and legal strategy
Experienced litigation when needed
Speak With Attorney Christian Lassen Today
Call 800-330-2274 now for a no-obligation consultation. We’re ready to fight for your rights and your family’s financial security.
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 my wife’s death was suicide and refused to pay, citing a policy exclusion. I knew that wasn’t true. The team at Lassen Law proved the exclusion period had ended. They handled everything and got me justice.”- Robert S.
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.