Cranston Life Insurance Lawyer
In Cranston, a historic Rhode Island city known for its strong neighborhoods and family-friendly reputation, grieving families often find themselves unfairly facing insurance claim denials just when they need help the most. At The Lassen Law Firm, we represent Cranston residents in denied, delayed, or disputed life insurance claims, including complex accidental death and dismemberment (AD&D) cases and group policy disputes.
Attorney Christian Lassen, Esq. has focused exclusively on life insurance law for over 25 years. With hundreds of millions recovered for beneficiaries nationwide, our firm stands ready to protect Cranston families from bad faith insurance tactics.
Why Cranston Families Trust The Lassen Law Firm
100% Life Insurance Law
No injury cases or general legal practice, only life insurance disputes.
Serving the United States
We represent clients throughout Rhode Island and across all 50 states.
Direct Access to Christian Lassen
Your case will be handled by a seasoned attorney, not an intake assistant or junior associate.
Recent Recoveries for Rhode Island Clients
$257,000 for a Cranston family whose claim was denied for "misrepresentation" related to a minor past diagnosis. The policy had been active beyond Rhode Island's contestability window.
$612,000 after an AD&D denial involving a fall on private property. The insurer alleged it was not an accident, but we used witness evidence and toxicology reports to prove otherwise.
$545,000 in a lapse dispute where the insurer failed to follow proper notification protocols. Full benefits were recovered after litigation.
We Handle All Types of Cranston Life Insurance Disputes
Accidental Death Claim Denials
We challenge denials based on exclusions for alcohol use, self-harm, or criminal activity.
Lapsed Policies
We investigate whether the insurer followed Rhode Island’s notice and grace period laws.
Misrepresentation Disputes
Insurers often deny claims based on irrelevant or misinterpreted medical information.
Contested Beneficiary Claims
We help resolve disputes involving former spouses, multiple claimants, or forged documents.
Employer Group Policy Denials (ERISA)
We regularly litigate employer-sponsored life insurance claims under federal ERISA laws.
Areas We Serve in and Around Cranston
We assist clients throughout Cranston and the greater Providence County area, including:
Garden City
Edgewood
Arlington
Meshanticut
Auburn
Stadium
Pawtuxet Village
Oaklawn
Knightsville
Western Cranston
Whether the policy was issued privately or by a Rhode Island-based employer, we have the experience and track record to get results.
What We Provide
Free consultations
Thorough case evaluations and investigations
Aggressive insurer negotiations
Litigation when needed in state or federal court
You Pay Us Nothing Unless We Win
There are no legal fees unless we recover funds on your behalf. Every case starts with a free, confidential consultation.
Call The Lassen Law Firm at 800-330-2274 to speak with Christian Lassen directly.
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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“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.