Norman Life Insurance Lawyer
In Norman, home to the University of Oklahoma and a proud community spirit, families facing life insurance disputes often find themselves up against large insurers who delay or deny legitimate claims. At The Lassen Law Firm, we help Norman residents resolve denied, delayed, and disputed life insurance claims including accidental death cases and group policy denials.
Attorney Christian Lassen, Esq. has spent more than 25 years handling life insurance claims exclusively. With hundreds of millions recovered across the country, he brings national experience and a local commitment to every case in Norman and Cleveland County.
Why Norman Residents Choose The Lassen Law Firm
We Only Handle Life Insurance Law
No personal injury. No general litigation. Life insurance disputes are our sole focus.
Licensed in All 50 States
We represent clients in Oklahoma and nationwide, including both individual and ERISA group policies.
Work Directly with Attorney Christian Lassen
You won’t be passed to a paralegal. Clients receive personal attention from start to finish.
Recent Results for Oklahoma Policyholders
$720,000 recovered from a group policy after a Norman family was told their claim lapsed. We showed the insurer failed to give proper notice during a medical leave.
$645,000 accidental death benefit after an insurer blamed “misconduct” in a fall from a rooftop. The exclusion was vague and inapplicable.
$595,000 in an ERISA claim denial that was reversed when we proved the insurer relied on flawed medical opinions and failed to follow federal procedure.
Common Life Insurance Claim Issues We Handle in Norman
AD&D Denials
We take on insurers that deny claims based on alcohol use, illegal activity, or unclear exclusions.
Policy Lapse Allegations
We evaluate whether the company followed Oklahoma’s legal requirements for nonpayment notices and grace periods.
Misrepresentation Accusations
We challenge wrongful rescissions for alleged omissions or outdated application responses.
Beneficiary Conflicts
We represent rightful beneficiaries in disputes involving ex-spouses, contested wills, or conflicting paperwork.
Group Policy (ERISA) Denials
We handle appeals and lawsuits involving employer-provided coverage governed by federal law.
Areas We Serve Around Norman
We help families throughout:
Downtown Norman
University Area
Campus Corner
Hall Park
Lake Thunderbird
Little Axe
Brookhaven
East Norman
Goldsby
Noble
Whether your policy is private or tied to an Oklahoma employer, we have the experience and tools to recover what you're owed.
What Our Law Firm Offers
Thorough claim investigation
Experienced legal strategy
Direct communication with the insurer
Aggressive litigation when necessary
Support from start to finish
No Recovery, No Fee
You pay nothing unless 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 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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“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.