Albany Life Insurance Lawyer
In Albany, New York’s historic capital, insurance companies often complicate what should be a straightforward process. If your life insurance claim has been delayed, denied, or disputed, The Lassen Law Firm is here to help. Whether your case involves a traditional policy, accidental death and dismemberment (AD&D), or a group ERISA plan, we deliver results for families throughout Albany County.
Led by Christian Lassen, Esq. (NY License 5965058), our nationally recognized firm focuses exclusively on life insurance litigation. We’ve recovered hundreds of millions of dollars for beneficiaries nationwide and have successfully handled claims involving lapse, exclusions, misrepresentation, and more.
Why Albany Residents Choose The Lassen Law Firm
Focused Expertise: Life insurance litigation is all we do. We know the tactics insurers use, and how to defeat them.
Direct Attorney Access: Every case is personally managed by Christian Lassen, not handed off to junior staff.
Strong Track Record: We’ve resolved complex cases across New York with consistently high recoveries.
Sample Case Results from Albany Clients
$865,000 secured for a family near Center Square following a wrongful denial based on an alleged health misstatement.
$710,000 recovered for an AD&D claim denied under a questionable intoxication exclusion in Pine Hills.
$645,000 obtained for a client in Arbor Hill after an improperly handled ERISA group denial was litigated in federal court.
Common Albany Life Insurance Disputes We Resolve
Denied AD&D Claims: We fight back when insurers deny legitimate accidental death cases, often citing exclusions improperly.
Lapsed Policies: We examine whether legal notice and grace period requirements were followed before termination.
Contested Beneficiaries: When disputes arise among ex-spouses, siblings, or stepchildren, we advocate for rightful claimants.
ERISA Plan Denials: We represent employees whose employer-sponsored life coverage is denied for procedural reasons.
Misrepresentation Challenges: We counter claims that policyholders withheld or misstated application information.
Serving All of Albany and Surrounding Areas
Our firm works with clients in:
Center Square
Pine Hills
Arbor Hill
Washington Park
Mansion District
Delaware Area
Melrose
Buckingham Lake
West Hill
Our Legal Process
We provide full-service representation, including:
Filing and supporting your claim
Contesting delays, denials, and exclusions
Litigating in Albany County Supreme Court or federal court when required
No Fees Unless We Win
Our firm works on contingency. You don’t pay unless we recover money for you.
Call The Lassen Law Firm at 800-330-2274 for your free case evaluation.
Written & Reviewed by Christian Lassen, Esq.
NY Life Insurance Attorney | NY License 5965058 | 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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“We were denied after my dad changed jobs and the company claimed he never converted his life insurance policy. Mr. Lassen found the paperwork showing he had. The check arrived a month later.”- Brian C.
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.