Paterson Life Insurance Lawyer
Life insurance claims are often denied or delayed for reasons that don’t hold up under scrutiny. At The Lassen Law Firm, we help Paterson families overcome insurance company roadblocks to recover the benefits their loved ones intended them to receive. From the Great Falls Historic District to South Paterson and Hillcrest, we represent beneficiaries throughout Passaic County with proven experience and powerful results.
Led by nationally recognized attorney Christian Lassen, Esq. (NJ License 006662000), our firm focuses exclusively on life insurance litigation. We've recovered hundreds of millions of dollars for clients across the U.S., including families right here in New Jersey.
Why Paterson Families Choose The Lassen Law Firm
Focused Expertise: We handle only life insurance disputes. That singular focus makes us more effective than general litigation firms.
Personal Attorney Access: You work directly with a life insurance lawyer, not a case manager or intake team.
Local Experience: We have represented clients in Paterson and nearby towns like Clifton, Passaic, and Totowa, and understand how local insurers and courts operate.
Recent Victories for Clients in Paterson
$810,000 recovered after a claim was denied for an alleged lapse due to non-payment reversed after proving the insurer sent defective notices.
$695,000 secured in Hillcrest when a group policy under ERISA was denied due to missing employer documents.
$580,000 obtained for a family in South Paterson after the insurer misapplied an exclusion related to criminal activity.
Common Insurance Tactics We Defeat in Paterson
Application Misstatements: When insurers deny based on supposed inaccuracies in the policyholder's application, we challenge whether the information was material to the cause of death.
Lapse-Related Denials: We assess whether premium notices were timely and properly sent. If not, the policy should remain in force.
Group Policy Denials (ERISA): We manage employer-based plan disputes, challenging administrative failures and policy ambiguity.
Beneficiary Disputes: We resolve conflicts between named beneficiaries and challengers claiming entitlement under wills or state law.
Legal Support from Start to Finish
From filing to litigation, our team ensures every step is handled with precision:
Filing your claim with accurate documentation
Challenging delays and requesting full disclosure of claim files
Negotiating settlements or filing lawsuits in the Passaic County Superior Court or federal court
Serving All of Paterson’s Neighborhoods
We serve families across:
Downtown Paterson
South Paterson
Hillcrest
Eastside
Lakeview
Riverside
Totowa Section
Wrigley Park
No Upfront Cost No Fee Unless We Win
We take life insurance cases on a contingency basis, meaning you pay nothing unless we recover money for you.
Call The Lassen Law Firm today at 800-330-2274 to schedule your free consultation.
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 accused my husband of intentionally misleading the insurer about a health issue. I was devastated. The Lassen team gathered the medical history, showed it was an honest mistake, and forced a reversal of the denial.”- Maria G.
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.