Cherry Hill NJ Life Insurance Lawyer

Christian Lassen, Esq. | Licensed in New Jersey (NJ 006662000) | Quoted in The Wall Street Journal | 25 Years Experience

Life insurance companies do not always honor the promises made in their policies. If your life insurance claim was denied, delayed, or disputed in Cherry Hill, The Lassen Law Firm is prepared to step in and pursue the benefits your family is entitled to receive.

Led by Christian Lassen, Esq., a nationally recognized life insurance litigation attorney licensed in New Jersey, our firm focuses exclusively on life insurance disputes. We represent beneficiaries in Cherry Hill and throughout Camden County who are facing insurers that refuse to pay valid claims.

With more than 25 years devoted solely to life insurance litigation and hundreds of millions recovered for clients nationwide, we bring focused experience, strategic pressure, and proven results to families across Cherry Hill and South Jersey.

Why Cherry Hill Clients Choose The Lassen Law Firm

Life Insurance Litigation Only

We do not handle personal injury, auto accidents, or general insurance disputes. Our practice is limited to life insurance claims, giving us deep insight into insurer denial tactics and policy interpretation strategies.

Attorney Level Representation From Day One

Clients work directly with an attorney. Your case is not handed off to intake teams or nonlawyer staff.

New Jersey Experience With National Reach

We handle individual and group life insurance disputes across New Jersey, including ERISA governed employer plans, beneficiary conflicts, lapse denials, accidental death claims, and interpleader actions.

Cherry Hill Area Life Insurance Recoveries

Results depend on the facts of each case. Examples of matters we have handled for New Jersey beneficiaries include:

$850,000 recovered for a Camden County family after a denial based on alleged medical misstatements that were unrelated to the cause of death.

$725,000 secured after an insurer claimed a policy lapsed, despite failing to prove proper notice and grace period compliance.

$500,000 resolved in a beneficiary dispute involving late changes and competing claims where the insurer attempted to avoid making a coverage decision.

NJ Disclaimer: No aspect of this advertisement has been approved by the Supreme Court of New Jersey.

Common Life Insurance Disputes We Handle in Cherry Hill

Misrepresentation Allegations

Insurers frequently attempt to rescind policies after a death by scrutinizing the original application. We challenge denials based on immaterial or unrelated information that does not meet New Jersey’s legal standards.

Lapse and Nonpayment Claims

Many lapse denials fail because insurers did not send required notices, misapplied payments, or ignored grace period protections. These cases are often recoverable.

Beneficiary Disputes

Cherry Hill claims commonly involve former spouses, blended families, missing paperwork, or last minute beneficiary changes. We represent beneficiaries in both direct disputes and interpleader actions.

Policy Exclusions

We challenge denials involving exclusions such as suicide, alcohol, or alleged illegal activity, especially when insurers stretch policy language beyond what New Jersey law allows.

How We Help Cherry Hill and Camden County Beneficiaries

Our approach is direct, strategic, and aggressive when necessary. We:

Communicate directly with the insurance company and control the claim narrative.

Push back against improper document requests and delay tactics.

File lawsuits in the Camden County Superior Court or the United States District Court for the District of New Jersey when insurers refuse to pay.

Our objective is to recover the full policy amount as efficiently and fairly as possible.

Denied Life Insurance Claim FAQ

Can a life insurance claim be denied if the insured dies within the two year contestability period and the insurer claims the application omitted prior emergency room visits?

Yes. When death occurs during the first two years of coverage, insurers often review medical records and may argue that prior emergency care should have been disclosed on the application.

Can a life insurance company deny a claim during the two year contestability period because the insured did not list all prescription medications?

Insurers sometimes review pharmacy records after death and claim certain medications were not disclosed during underwriting.

Can a life insurance policy be rescinded during the contestability period if the insurer claims the insured misrepresented their health history on the application?

Some insurers attempt to rescind coverage after death if they believe the application contained material inaccuracies that affected underwriting.

Can an accidental death and dismemberment claim be denied because the insurer says the death resulted from a medical event rather than an accident?

Yes. AD&D policies generally require the accident to be the direct cause of death, and insurers sometimes argue that illness contributed to the fatal outcome.

Can a denied AD&D claim involve disputes about whether a fall was caused by dizziness or fainting rather than an accident?

Yes. Insurers sometimes claim that a medical condition caused the fall instead of an accidental event.

Can AD&D claims be denied under exclusions related to alcohol intoxication at the time of the accident?

Some policies contain intoxication exclusions, and insurers may rely on toxicology reports when applying those provisions.

Can AD&D claims be denied because the insurer claims illegal drug use contributed to the accident?

Certain policies contain exclusions involving illegal substances, which insurers sometimes cite during claim investigations.

Can AD&D claims be denied under exclusions involving participation in hazardous activities such as racing or certain aviation activities?

Some policies contain exclusions for high risk activities, and disputes sometimes arise over whether the activity falls within the exclusion.

Can a life insurance claim be delayed while the insurer gathers medical records and investigative reports?

Yes. Insurers sometimes delay claims while requesting records from hospitals, physicians, and other sources.

Can a life insurance claim be delayed during the contestability period while the insurer reviews the application and underwriting file?

Yes. Deaths within the first two years frequently trigger a detailed investigation before the claim is decided.

Can a beneficiary dispute arise if the insured named multiple beneficiaries but the designation is unclear?

Yes. Ambiguous beneficiary designations sometimes lead to disputes among family members or other claimants.

Can a beneficiary dispute occur when relatives challenge a beneficiary change made shortly before death?

Yes. Family members sometimes argue that the insured lacked capacity or was influenced when making the change.

Can an interpleader lawsuit be filed when the insurer receives competing claims for the same life insurance proceeds?

Yes. Insurers sometimes deposit the proceeds with the court and allow a judge to determine the rightful beneficiary.

Can an interpleader case involve allegations that the beneficiary designation form was forged?

Yes. Courts may examine documents, handwriting evidence, and testimony to determine whether the form is valid.

Can an ERISA life insurance claim be denied because the employee allegedly failed to meet the employer plan’s eligibility requirements?

Yes. Employer benefit plans often contain eligibility rules that insurers rely on when evaluating ERISA governed claims.

Can ERISA life insurance disputes involve disagreements about whether the employer properly recorded a beneficiary designation?

Yes. Administrative errors in employer benefit systems sometimes lead to disputes about the correct beneficiary.

Can a FEGLI life insurance claim involve disputes about the beneficiary designation on file with the federal government?

Yes. The official designation form recorded with the federal agency generally controls who receives the proceeds.

Can a FEGLI policy still pay benefits based on a beneficiary form filed many years earlier?

Yes. Unless a new designation form was submitted, the earlier beneficiary designation typically remains valid.

Can life insurance claims be denied because the insurer says the insured failed to disclose abnormal medical test results on the application?

Insurers sometimes review laboratory or imaging records and argue that certain findings should have been disclosed during underwriting.

Can life insurance claims be denied because the insurer claims the insured failed to disclose ongoing treatment for a chronic medical condition?

Insurers sometimes rely on records showing repeated medical visits or treatment when alleging application misrepresentation.

Serving Cherry Hill and Surrounding Communities

We represent beneficiaries throughout Cherry Hill and nearby areas, including:

Barclay
Kingston Estates
Ashland
Erlton
Woodcrest
Greentree
Springdale
Surrounding Camden County communities

No Fee Unless We Recover Benefits

You do not pay us unless we recover money for you. There are no upfront fees and no hourly billing.

To speak with a life insurance attorney about a denied or delayed claim in Cherry Hill, call 800-330-2274 for a free consultation.

Written and reviewed by Christian Lassen, Esq.
New Jersey Life Insurance Attorney | NJ License 006662000 | 25+ Years Experience | Quoted in The Wall Street Journal
Last reviewed: Feb 19, 2026

New Jersey Required Disclaimer:
No aspect of this advertisement has been approved by the Supreme Court of New Jersey.