St Louis Life Insurance Lawyer
In St. Louis, a city rich in history and known for its iconic Gateway Arch, vibrant music culture, and diverse neighborhoods, life insurance disputes can create added stress during an already painful time. At The Lassen Law Firm, we focus solely on helping families and individuals in St. Louis recover wrongfully delayed or denied life insurance benefits. Whether you live in the Central West End, near Forest Park, or anywhere across St. Louis City or County, we bring decades of legal experience and personalized attention to your claim.
Attorney Christian Lassen, Esq., is a nationally recognized life insurance lawyer who has helped clients recover hundreds of millions of dollars in denied claims. With over 25 years of experience, Christian leads every case personally—you will never be passed off to a junior associate or paralegal.
Why Clients in St. Louis Choose The Lassen Law Firm
Life Insurance Law Only — We don’t handle personal injury or criminal cases. Our focus is 100% on life insurance.
Serving Clients in All 50 States — Including Missouri beneficiaries and policyholders with group and private coverage.
Direct Representation by Christian Lassen — Clients speak directly with their attorney from day one.
Recent Missouri Case Outcomes
$700,000 recovery after a fatal motorcycle accident denied under an AD&D exclusion
$665,000 settlement following a claim denial citing an alleged misrepresentation in the application
$615,000 life insurance payout after lapse was improperly applied due to administrative error
Disputes We Handle in St. Louis
Accidental death and dismemberment (AD&D) denials
Alleged misrepresentations on insurance applications
Disputed beneficiary claims
Lapsed policy defenses
ERISA group life insurance appeals and lawsuits
Neighborhoods and Communities We Serve
Downtown St. Louis
Central West End
Dogtown
Soulard
The Hill
Tower Grove
Kirkwood
Clayton
University City
Maryland Heights
Whether your policy was issued through an employer or purchased individually, our team knows how to challenge unfair denials and pursue every dollar you are owed.
Our Process Includes
Free, private consultation
No fee unless we win your case
Detailed policy and claim analysis
Strategic negotiation or federal litigation
Get Legal Help Today
Contact The Lassen Law Firm at 800-330-2274 to speak directly with attorney Christian Lassen. We are ready to stand up to the insurance company on your behalf.
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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“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
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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.