Cleveland Life Insurance Lawyer
In Cleveland, a city steeped in industrial legacy and home to a thriving cultural and sports scene, families facing life insurance denials often encounter insurers that delay, dispute, or reject valid claims. At The Lassen Law Firm, we represent Cleveland residents in recovering life insurance payouts wrongfully withheld under individual, group, or AD&D policies.
Attorney Christian Lassen, Esq. brings over 25 years of exclusive experience in life insurance litigation. Having recovered hundreds of millions nationwide, our firm is trusted by families across Cleveland to deliver results when insurance companies fail to honor their obligations.
Why Cleveland Clients Trust The Lassen Law Firm
Life Insurance Focus
We don’t take car accident or injury cases. We handle life insurance claims only.
Serving All 50 States
We’re fully equipped to handle ERISA group denials and private policy disputes in Ohio.
Attorney-Managed Process
Christian Lassen is directly involved in every case from intake to resolution.
Real Recoveries for Ohio Beneficiaries
$790,000 AD&D recovery for a family in Cleveland Heights after the insurer cited a “hazardous activity” exclusion. We proved the exclusion did not apply.
$645,000 from a lapsed workplace policy. Our team demonstrated the employer failed to issue proper continuation and conversion notices.
$580,000 from a misrepresentation denial involving minor discrepancies in medical records. Our review showed the answers were truthful based on known information at the time of application.
Common Life Insurance Disputes in Cleveland
Accidental Death Denials
Including disputes over intoxication, criminal activity, or ambiguous exclusions.
Policy Lapse & Nonpayment
We assess whether notices were properly sent, as required under Ohio law.
Misstatement Claims
Insurers often misuse medical questionnaires to deny claims—especially in older policies.
Contested Beneficiary Issues
We resolve disputes involving updated forms, prior spouses, or last-minute changes.
ERISA Group Policy Denials
We regularly sue insurers and plan administrators under federal law on behalf of Ohio workers.
We Serve All Areas of Cleveland
Our clients come from all parts of the metro region, including:
Ohio City
Tremont
Downtown
Cleveland Heights
Lakewood
University Circle
Old Brooklyn
West Park
Shaker Heights
Glenville
No matter where you live in Cuyahoga County, we can help.
What We Provide
Detailed review of your policy and claim
Aggressive communication with the insurer
Litigation in Ohio state or federal courts
Personalized attention throughout
No Fee Unless We Win
You owe nothing unless we recover life insurance benefits on your behalf. Start with a free consultation.
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 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.