Omaha Life Insurance Lawyer
In Omaha, Nebraska's largest city and a regional hub of business and culture, families facing life insurance disputes often find themselves overwhelmed by confusing policy terms and aggressive insurance tactics. At The Lassen Law Firm, we focus exclusively on life insurance claim denials, delays, and disputes, and we are here to help Omaha residents fight back and recover the benefits their loved ones intended them to receive.
Attorney Christian Lassen, Esq., brings over 25 years of experience handling life insurance cases across the country. With hundreds of millions recovered for clients, The Lassen Law Firm delivers unmatched expertise and personalized attention in every case.
Why Omaha Families Trust The Lassen Law Firm
Exclusively Life Insurance Law – We don’t handle injury or general litigation. Our practice is 100% focused on life insurance disputes.
National Representation – We serve clients in all 50 states, including Nebraska-based group and individual life insurance policies.
Hands-On Legal Strategy – Every client works directly with attorney Christian Lassen, not a junior associate or call center.
Recent Results for Midwestern Clients
$720,000 for an Omaha family after a group policy claim was denied based on alleged misrepresentation of prior medical conditions
$645,000 recovered following a lapse dispute caused by insurer billing errors during medical leave
$610,000 in an AD&D case after an insurer cited a drug exclusion despite toxicology reports showing non-impairment
Types of Omaha Life Insurance Cases We Handle
Accidental Death Denials – Including exclusions for alcohol, drugs, or criminal activity
Lapsed Policy Disputes – Where insurers failed to send proper notices or premiums were misapplied
Misrepresentation Allegations – Disputes involving medical history, prescription use, or employment status
Beneficiary Challenges – Conflicting claims from ex-spouses, children, or disputed last-minute changes
ERISA Group Plan Denials – Appeals and lawsuits under federal law for employer-sponsored life insurance
Areas We Serve in Omaha
We help clients across Omaha and surrounding areas, including:
Downtown Omaha
Dundee-Happy Hollow
Benson
Aksarben
Millard
Florence
Elkhorn
North and South Omaha
West Omaha
Whether your policy was issued privately or through an Omaha-based employer like Union Pacific, CHI Health, or a local school district, we are equipped to take on the insurance company and win.
Our Commitment to You
Free Consultation – No cost to learn your rights
No Fee Unless We Win – We work on contingency only
Detailed Case Review – Policy language, claim file, medical records, and correspondence all carefully analyzed
Aggressive Litigation – We don’t back down when insurers refuse to pay
Speak With Christian Lassen Today
Call The Lassen Law Firm at 800-330-2274 for a free and confidential case review. Let us fight for the payout your family was promised.
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 didn’t list a prior policy cancellation, and they used that to deny our claim. Lassen Law proved it was irrelevant and unrelated to the cause of death. We received the benefit without a prolonged legal battle.”- Daniel 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.