Springfield MO Life Insurance Lawyer
In Springfield, the "Queen City of the Ozarks," celebrated for its natural beauty, outdoor attractions, and close-knit community, life insurance claims are often met with unnecessary resistance from insurance carriers. At The Lassen Law Firm, we help families in Springfield and throughout Greene County recover wrongfully delayed or denied life insurance benefits. Whether your claim involves an accidental death, an alleged lapse, or a contested beneficiary designation, our firm brings extensive legal experience and personalized attention to every case.
Led by nationally recognized life insurance attorney Christian Lassen, Esq., our practice is devoted solely to life insurance matters. With over 25 years of experience and hundreds of millions recovered, we know how to stand up to major insurers and win.
Why Springfield Families Turn to The Lassen Law Firm
We Only Handle Life Insurance Cases — No injury law or criminal defense, just insurance disputes.
Serving Clients in All 50 States — Including Missouri group and private policyholders.
Work One-on-One With Christian Lassen — No junior associates or paralegal handoffs.
Recent Missouri Recoveries
$695,000 settlement after denial of benefits citing undisclosed pre-existing conditions
$610,000 recovered after an employer-sponsored policy lapsed without proper COBRA notification
$575,000 payout in a disputed AD&D claim where drug use was wrongfully cited as the exclusion
Common Life Insurance Issues We Handle in Missouri
AD&D exclusions based on substance use or misconduct
Policy lapse claims stemming from billing errors
Misrepresentation allegations related to application details
Beneficiary disputes and interpleader lawsuits
ERISA group policy claim denials and appeals
We Serve Clients Throughout Springfield
Downtown
Rountree
Southern Hills
Brentwood
Midtown
Phelps Grove
Parkcrest
University Heights
Fassnight
Delaware Neighborhood
Whether your loved one’s policy was issued individually or through a Missouri-based employer, our team investigates every angle to build the strongest case possible.
What We Provide
Free case evaluation
No attorney fees unless we recover benefits
Detailed policy review and claim analysis
Aggressive litigation when negotiation fails
Talk to Christian Lassen Today
Call The Lassen Law Firm at 800-330-2274 to speak directly with Christian Lassen. We’re ready to pursue your case with the urgency and precision it deserves.
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.