Columbus Life Insurance Lawyer
In Columbus, a fast-growing city known for its vibrant neighborhoods and strong sense of community, families facing denied or delayed life insurance claims often find themselves up against powerful insurance companies with endless resources. At The Lassen Law Firm, we represent Columbus families in recovering life insurance benefits that have been unfairly withheld—whether from private policies, AD&D claims, or employer-sponsored group plans.
Attorney Christian Lassen, Esq. has over 25 years of exclusive experience handling life insurance disputes. With hundreds of millions recovered across all 50 states, our firm stands ready to help you fight back and win.
Why Columbus Families Choose The Lassen Law Firm
Life Insurance Only
We don’t dilute our focus with other areas of law. Life insurance is all we do.
Serving the United States
We handle both individual and ERISA group policy claims in Ohio and across the country.
Attorney-Driven Process
You’ll work directly with Christian Lassen, not paralegals or case managers.
Notable Recoveries for Ohio Clients
$775,000 payout from an AD&D policy after an insurer claimed intoxication voided the claim. Our expert toxicologist proved otherwise, forcing full payment.
$630,000 from a lapsed group policy where the employer failed to provide proper continuation notices under ERISA. We held both the insurer and employer accountable.
$590,000 for a Columbus client wrongly denied due to alleged misstatements on the application. We demonstrated the answers were accurate based on the medical records available at the time.
Types of Columbus Life Insurance Disputes We Handle
Accidental Death Denials
Including exclusions for drug use, alcohol, or “reckless behavior” claims.
Policy Lapse Disputes
We investigate whether the insurer complied with Ohio law on notices and grace periods.
Misrepresentation Allegations
Often used unfairly to deny claims based on minor or irrelevant details.
Beneficiary Conflicts
We resolve disputes involving ex-spouses, updated wills, or outdated policy forms.
ERISA Group Plan Denials
We represent employees covered by workplace policies who are denied under federal law.
Areas We Serve Around Columbus
We represent clients across the Columbus metro area, including:
Short North
German Village
Clintonville
Downtown
Westerville
Reynoldsburg
Dublin
Upper Arlington
Franklinton
Hilliard
Wherever you live in Franklin County, our firm is ready to help.
What You Can Expect
Complete case evaluation
Aggressive insurance company engagement
Lawsuit filing if necessary in state or federal court
Direct guidance from start to finish
No Win, No Fee
You pay nothing unless we recover money for you. Every consultation is free and confidential.
Call The Lassen Law Firm at 800-330-2274 to speak directly with attorney Christian Lassen today.
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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“The insurer said the activity my father was doing at the time of his death wasn’t covered. Lassen reviewed the policy and showed there was no such exclusion. They got it paid out without a lawsuit.”- Deborah L.
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.