Philadelphia Life Insurance Lawyer
At The Lassen Law Firm, we exclusively handle life insurance disputes, advocating fiercely for Philadelphia beneficiaries facing delayed, denied, or disputed claims. Led by attorney Christian Lassen, Esq. (PA License 87022), our nationally renowned practice has recovered hundreds of millions of dollars for clients across Philadelphia and beyond.
We deeply understand Pennsylvania-specific laws such as the two-year contestability period, automatic beneficiary revocation provisions for divorced spouses, and ERISA regulations impacting group policies. Operating centrally from our office in Center City, we have successfully handled complex cases from South Philly to Northeast Philadelphia and suburban counties.
Why Philadelphia Families Choose The Lassen Law Firm
Philadelphia families trust us for our specialized knowledge, unmatched local reputation, and proven results:
Nationally Recognized Expertise: Christian Lassen, Esq., quoted by major media outlets including The Wall Street Journal (May 17, 2025), maintains a perfect 10.0 Avvo rating with endorsements from over 1,700 attorneys nationwide.
Local Court and Insurer Insight: We routinely manage cases in Philadelphia courts, expertly navigating the city's unique procedural dynamics and leveraging relationships built over decades.
Personalized, Attorney-Led Representation: Unlike many firms, you receive direct, personalized counsel and advocacy from a skilled attorney, ensuring your case gets the detailed attention it deserves.
Specific Life Insurance Issues We've Successfully Addressed in Philadelphia
Our attorneys tackle common Philadelphia insurance disputes head-on:
Delayed Life Insurance Payments: For example, we recently expedited a delayed $1.4 million policy by demonstrating insurer negligence in the timely review of claims documentation.
Denied Claims Due to Alleged Misrepresentation: In a notable case, we overturned a $900,000 denial in Northeast Philadelphia involving an alleged misrepresentation of health history.
Wrongful Policy Lapses: In South Philly, we successfully recovered $800,000 by demonstrating the insurer’s failure to provide proper premium notices before policy cancellation.
Contested Beneficiary Disputes: We recently resolved a complex beneficiary dispute involving families in Center City Philadelphia, securing the full policy of $750,000 .
Navigating the Life Insurance Claims Process in Philadelphia
Our attorneys meticulously guide each client through the claims process, ensuring:
Timely notification to insurance carriers, properly documented with death certificates and detailed supporting evidence.
Persistent follow-ups to expedite insurer evaluations and minimize delays.
Immediate legal interventions when insurers act unreasonably or unlawfully.
Expert Resolution of Beneficiary Disputes
In cases involving beneficiary disputes, The Lassen Law Firm:
Thoroughly examines policy documentation, beneficiary forms, and historical communications.
Skillfully negotiates and mediates to quickly resolve conflicts, avoiding prolonged litigation whenever possible.
Represents your interests vigorously in Philadelphia courts, drawing on extensive trial experience when litigation becomes necessary.
Proven Results Specifically for Philadelphia Residents
Recent case highlights demonstrating our specialized expertise include:
$1.5 million recovered for a client in Chestnut Hill whose claim was wrongfully denied due to alleged policy exclusions.
$1 million secured for a family in Roxborough after overturning a denial based on supposed misrepresentation.
$600,000 recovered swiftly for clients in University City by challenging improper lapse notices.
Comprehensive Legal Advocacy Across Philadelphia
Our attorneys proudly represent residents throughout the city, including:
Center City
South Philadelphia
West Philadelphia
Northeast Philadelphia
Fishtown
Northern Liberties
Mount Airy
Chestnut Hill
University City
Roxborough
Kensington
Manayunk
Why The Lassen Law Firm is Your Best Choice
Exclusive Focus on Life Insurance: Our sole focus on life insurance litigation equips us to handle complex claims other general firms cannot.
No Fees Unless We Win: Our contingency structure ensures zero upfront costs—your success is our incentive.
Direct Attorney Access: Personal attention from attorneys at every stage of your case.
Take decisive action today. Call The Lassen Law Firm at 800-330-2274 for your free consultation. Let our premier attorneys fight tirelessly to secure the life insurance benefits your family deserves.
Written & Reviewed by Christian Lassen, Esq.
Nationally recognized life insurance attorney | PA License 87022 | 25+ years of focused legal excellence | Quoted in The Wall Street Journal (May 17, 2025)
Last reviewed: June 10, 2025
The Lassen Law Firm
1515 Market Street #1510, Philadelphia, PA 19102
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 said my brother’s death during a jet ski accident wasn’t covered because it was a high-risk activity. Lassen Law Firm carefully reviewed the policy and forced the insurer to pay up. Their legal arguments were rock solid.”- Laura P.
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.