Jersey City Life Insurance Lawyer
If your life insurance claim has been denied, delayed, or is under dispute in Jersey City, you deserve aggressive and informed legal representation. At The Lassen Law Firm, we fight exclusively for life insurance beneficiaries. Whether you live in Journal Square, Greenville, or the Heights, we bring powerful litigation experience and a national reputation for results to your case.
Led by Christian Lassen, Esq. (NJ License 006662000), our firm has recovered hundreds of millions of dollars in life insurance payouts for clients across the country. In New Jersey, we routinely handle cases involving ERISA policies, denied accidental death benefits, interpleader lawsuits, and policies wrongfully canceled due to lapse or misrepresentation.
Why Jersey City Clients Rely on The Lassen Law Firm
Exclusive Focus: We handle nothing but life insurance cases—giving us an edge against general practice firms.
Attorney-Driven: Your case is handled by a lawyer, not given to junior staff.
Local and National Impact: We’ve resolved claims for families throughout Jersey City and across Hudson County with speed and precision.
Recent Legal Wins for Clients in Jersey City
$890,000 recovered in Bergen-Lafayette after a claim was denied for allegedly incomplete medical disclosures.
$715,000 secured for a client in the Heights after a lapse dispute revealed the insurer failed to comply with NJ notice laws.
$645,000 obtained for a family in Greenville following a contested beneficiary dispute stemming from an outdated designation.
Common Claim Issues We Handle in Jersey City
Misrepresentation Allegations: When insurers try to retroactively void a policy, we push back with medical evidence and contract analysis.
Policy Lapse Disputes: We examine billing histories and notification procedures to hold insurers accountable.
ERISA and Group Plan Denials: Our firm has a national reputation for handling complex group policy denials governed by federal law.
Contested Beneficiaries: Whether due to divorce, competing claims, or family conflict, we ensure rightful beneficiaries prevail.
End-to-End Legal Support Through Every Stage
We work side-by-side with clients in Jersey City through:
Filing the initial claim properly
Responding to delay tactics and documentation overload
Appealing wrongful denials and litigating when necessary in Hudson County courts or U.S. District Court of New Jersey
Representing All Areas of Jersey City
We proudly assist clients throughout:
Journal Square
Downtown Jersey City
Bergen-Lafayette
The Heights
Greenville
McGinley Square
West Side
Newport
No Fee Unless We Win
Our representation is strictly contingency-based. You owe us nothing unless we successfully recover money for you.
Contact The Lassen Law Firm today at 800-330-2274 to schedule a free, confidential case evaluation.
Written & Reviewed by Christian Lassen, Esq.
NJ Life Insurance Attorney | NJ License 006662000 | 25+ Years of Experience | Quoted in The Wall Street Journal (May 17, 2025)
Last reviewed: June 10, 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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“They said my brother’s death during a jet ski accident wasn’t covered because it was a high-risk activity. Lassen Law Firm carefully reviewed the policy and forced the insurer to pay up. Their legal arguments were rock solid.”- Laura P.
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.