Newark NJ Life Insurance Lawyer
Life insurance companies don’t always play fair. If your claim has been wrongfully denied, unreasonably delayed, or disputed in Newark, The Lassen Law Firm is ready to fight for the payout your loved one intended you to receive. Led by attorney Christian Lassen, Esq. (NJ License 006662000), our nationally recognized firm focuses exclusively on life insurance litigation.
With over 25 years of experience and hundreds of millions recovered for clients, we are one of the most trusted names in life insurance disputes nationwide, and we bring that same tenacity and precision to families throughout Newark, from the Ironbound to the University Heights, Forest Hill, and beyond.
Why Newark Residents Choose The Lassen Law Firm
Life Insurance Litigation Only: Our narrow focus gives us unmatched insight into the loopholes, tactics, and patterns used by insurance companies to deny or delay payment.
Direct Legal Access: Clients don’t get passed to intake teams or legal assistants. You’ll work directly with an attorney from day one.
Local Experience, National Recognition: We’ve successfully handled life insurance disputes throughout New Jersey, including ERISA group plans, interpleader cases, and claims involving complex beneficiary conflicts.
Real Newark-Based Legal Victories
$990,000 recovered for a family in the Ironbound after a denial based on alleged application misstatements.
$740,000 secured for a beneficiary near Weequahic Park when an insurer denied a policy due to a lapse it failed to properly document.
$600,000 settlement for a client in Forest Hill after the insurer misapplied an exclusion related to alleged high alcohol content.
Common Life Insurance Disputes We Resolve in Newark
Misrepresentation Allegations: Insurers often try to rescind policies by claiming false information was provided. We challenge the legal validity of such accusations, especially when the alleged issue was unrelated to the cause of death.
Lapsed Policy Disputes: If the insurer failed to give proper notice or applied payments incorrectly, we will uncover the facts and push for payment.
Beneficiary Disputes: From disputes involving ex-spouses to outdated or missing forms, we help rightful beneficiaries obtain what’s owed.
Exclusion Clauses: We challenge denials based on exclusions, including suicide, alcohol, and illegal activity, and have a strong record of success in reversing these.
How We Assist Clients Throughout Newark and Essex County
Our approach is aggressive, transparent, and hands-on. We:
Initiate the claim process and communicate directly with the insurer.
Respond to improper documentation demands and delay tactics.
File legal actions in Essex County courts or federal court when necessary.
Our goal is simple: to recover the full policy amount fast and fairly.
Proudly Representing Newark's Diverse Communities
We serve clients in:
Ironbound
Forest Hill
University Heights
North Ward
South Ward
West Side
Weequahic
Downtown Newark
Vailsburg
No Fee Unless We Win
You’ll never pay us unless we recover money for you. That’s our commitment, backed by decades of proven results and a national reputation for excellence.
Call The Lassen Law Firm today at 800-330-2274 for a free consultation.
Written & Reviewed by Christian Lassen, Esq.
NJ Life Insurance Attorney | NJ License 006662000 | 25+ Years 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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“The insurer said the application wasn’t complete, so the claim couldn’t be processed. I felt helpless until I hired Lassen Law. They located the original records and showed that everything was properly submitted. Case closed.”- Christopher A.
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.