Raleigh Life Insurance Lawyer
In Raleigh, the capital of North Carolina and a growing center for technology, education, and healthcare, families dealing with denied or delayed life insurance claims are often left feeling powerless. At The Lassen Law Firm, we represent Raleigh residents in challenging wrongful claim denials and delays, including accidental death and dismemberment (AD&D) disputes.
Attorney Christian Lassen, Esq. has focused solely on life insurance law for over 25 years. With hundreds of millions recovered for clients across the country, our firm brings deep experience and aggressive legal strategy to families throughout Raleigh and Wake County.
Why Raleigh Families Trust The Lassen Law Firm
We Handle Life Insurance Only
We don’t dilute our practice with other case types. Every case we take involves life insurance.
Serving the Nation
We help clients with both private policies and employer-sponsored ERISA plans across all 50 states, including North Carolina.
Direct Access to the Attorney
From the first call to final recovery, clients work one-on-one with attorney Christian Lassen.
Real Results for North Carolina Clients
$720,000 AD&D payout from The Hartford after a claim was denied due to a so-called “hazardous activity” exclusion. We proved the exclusion was vague and improperly applied.
$650,000 reinstated for a Raleigh widow whose policy was marked as lapsed. Our firm uncovered mailing errors and forced full payment.
$585,000 from Prudential after a denial based on misrepresentation of medical history. Our challenge showed no material impact on insurability.
Raleigh Life Insurance Disputes We Handle
AD&D Claim Denials
We challenge exclusions based on alcohol, drugs, or alleged criminal activity.
Policy Lapses
We investigate whether grace periods, notices, and reinstatement rights were properly handled.
Alleged Misrepresentations
We fight denials based on incomplete or outdated medical information cited at the time of application.
Beneficiary Conflicts
Disputes involving ex-spouses, children from previous marriages, or contested designations.
ERISA Employer Group Plan Denials
We handle appeals and federal lawsuits for Raleigh employees denied group life insurance coverage.
Areas We Serve in and Around Raleigh
We work with clients throughout the Raleigh region, including:
Downtown Raleigh
North Hills
Five Points
Cameron Village
Wake Forest
Cary
Garner
Apex
Knightdale
Holly Springs
Whether your policy was purchased privately or offered through a North Carolina employer, our firm is ready to fight for your benefits.
Our Services Include
Policy analysis and claim review
Aggressive negotiation with insurance carriers
State and federal litigation when necessary
Step-by-step guidance from an experienced life insurance lawyer
No Recovery, No Fee
We only get paid if we win your case. Every consultation is free and confidential.
Call The Lassen Law Firm at 800-330-2274 to speak directly with attorney Christian Lassen.
Written & Reviewed by Christian Lassen, Esq.
National Life Insurance Attorney | 25+ Years of Experience
Quoted in The Wall Street Journal (May 17, 2025)
Last reviewed: June 13, 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.