Allentown Life Insurance Lawyer
If you're facing a denied or delayed life insurance claim in Allentown, The Lassen Law Firm is ready to fight for you. Led by Christian Lassen, Esq. (PA License 87022), our nationally acclaimed firm focuses solely on life insurance disputes. We represent beneficiaries across Lehigh County, from West End to Hamilton District and beyond, ensuring they receive the benefits their loved ones intended for them.
With over 25 years of dedicated experience and hundreds of millions recovered for clients, we understand what it takes to challenge insurers head-on and win. We handle cases involving policy lapse, misrepresentation allegations, exclusion clauses, and beneficiary conflicts, issues we routinely resolve for Allentown families.
Why Allentown Families Turn to The Lassen Law Firm
Specialized Focus: We only handle life insurance litigation, giving us unmatched insight into insurer strategies and how to defeat them.
Results in Complex Cases: From ERISA-governed claims to interpleader lawsuits and accidental death exclusions, we’ve secured full payouts in cases many firms won’t even take.
Attorney-Led Service: You’ll work directly with a lawyer, not passed off to a paralegal or intake coordinator.
Successful Recoveries for Allentown Clients
$850,000 recovered for a family in West End whose claim was denied due to alleged misrepresentation. Our investigation revealed the insurer’s argument lacked material relevance.
$780,000 secured for an Allentown resident whose ERISA group policy was initially denied for insufficient documentation, reversed after we challenged it.
$620,000 obtained following a lapse-related denial when the insurer failed to prove it had issued proper notices.
Common Denial Tactics We Defeat in Allentown
False Misrepresentation Claims: We defend against unfair accusations that minor application discrepancies invalidate coverage.
Lapsed Policies: We evaluate insurer communications and billing practices to prove when coverage should have remained in force.
Improper Exclusions: Suicide, drug use, and hazardous activity exclusions are often misapplied, we investigate thoroughly.
Beneficiary Disputes: We help rightful beneficiaries in cases involving divorced spouses, contested designations, or outdated forms.
Helping You Navigate the Claims Process in Lehigh County
We handle every step of the claims process:
Ensure claims are properly initiated with all required documentation
Challenge delays, requests for unnecessary paperwork, or shifting explanations for denial
Litigate aggressively if necessary in the Lehigh County Court of Common Pleas or federal court
Our firm also represents clients in interpleader lawsuits involving multiple claimants to the same policy.
Serving Clients Throughout Allentown and Surrounding Communities
We proudly represent clients in:
Downtown Allentown
West End
East Side
South Allentown
Hamilton District
Midway Manor
Lehigh Parkway
Old Fairgrounds
Our Commitment: No Recovery, No Fee
We never charge fees unless we win. That means no financial risk to you, only skilled focused representation with proven results.
Call The Lassen Law Firm at 800-330-2274 today to schedule your free consultation.
Written & Reviewed by Christian Lassen, Esq.
Nationally recognized life insurance attorney | PA License 87022 | 25+ Years of Experience | Quoted in The Wall Street Journal (May 17, 2025)
Last reviewed: June 8, 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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“My husband didn’t list a prior policy cancellation, and they used that to deny our claim. Lassen Law proved it was irrelevant and unrelated to the cause of death. We received the benefit without a prolonged legal battle.”- Daniel S.
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.