Toledo Life Insurance Lawyer
In Toledo, a city defined by its industrial legacy, scenic Maumee River views, and resilient community, families are often blindsided when life insurance claims are denied or delayed. At The Lassen Law Firm, we fight for Toledo beneficiaries facing denied, delayed, or disputed life insurance claims, including group and accidental death benefits.
Attorney Christian Lassen, Esq. has practiced life insurance law exclusively for over 25 years. With hundreds of millions recovered nationwide, our firm provides the strength and experience Toledo families need when facing powerful insurance companies.
Why Toledo Residents Trust The Lassen Law Firm
Focused Practice
We only handle life insurance disputes. That’s it. No personal injury or general law.
Nationwide Reach
We assist with private and employer-sponsored life insurance claims in Ohio and all 50 states.
Personal Representation
Every case is led by Christian Lassen from start to finish. No call centers. No handoffs.
Results for Ohio Clients
$720,000 Prudential payout for a Toledo family after a denial based on “material misrepresentation” related to a minor, undisclosed condition. We proved the omission was irrelevant to the cause of death.
$645,000 AD&D policy paid after a denial citing alleged intoxication. Our firm presented clear toxicology evidence showing the exclusion did not apply.
$595,000 recovered when a group life policy was terminated during a job transfer without proper notice. We proved the employee should have remained covered.
Common Toledo Life Insurance Disputes
AD&D Claim Denials
Challenging exclusions involving alcohol, criminal activity, or “intentional acts.”
Policy Lapse Disputes
We review billing records and statutory grace period notices under Ohio law.
Misrepresentation Allegations
Insurers often cite incomplete applications long after issuing the policy. We hold them accountable.
Beneficiary Disputes
Including ex-spouses, stepchildren, or multiple named beneficiaries causing delays.
ERISA & Employer-Based Policies
We handle administrative appeals and litigation in federal court.
Serving All of Toledo and Surrounding Communities
We represent families across Lucas County, including:
Old West End
Downtown
Point Place
Ottawa Hills
Reynolds Corners
Westgate
South Toledo
Beverly
North Toledo
Scott Park
Whether your policy is individual or tied to your employer, we have the experience to help you prevail.
Our Services Include
Comprehensive claim evaluations
Aggressive negotiation with insurers
Federal and state litigation
Personal legal guidance at every step
You Don’t Pay Unless We Win
There are no upfront fees. We only get paid if we recover benefits for you.
Call The Lassen Law Firm at 800-330-2274 to speak 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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“After waiting months with no payout, the insurer claimed we hadn’t submitted the right paperwork. The Lassen Law Firm took over, gathered the necessary forms, and pushed the claim through in under three weeks. Efficient and professional from start to finish.”- Michael H.
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.