Pawtucket Life Insurance Lawyer
In Pawtucket, a city with deep industrial roots and a strong sense of community, families facing life insurance disputes often find themselves up against insurers determined to delay or deny rightful benefits. At The Lassen Law Firm, we help Pawtucket residents resolve denied, delayed, or contested life insurance claims, including complex accidental death and dismemberment (AD&D) policies and group plans governed by ERISA.
Christian Lassen, Esq., a nationally recognized life insurance attorney with more than 25 years of exclusive experience in this field, has recovered hundreds of millions of dollars for clients across the country. Our firm stands with Pawtucket families to make sure insurers are held accountable.
Why Pawtucket Families Choose The Lassen Law Firm
Only Life Insurance Law
We focus entirely on life insurance cases, not personal injury or general practice.
Serving All 50 States
We handle private and employer-sponsored policies in Rhode Island and beyond.
Work Directly With Attorney Lassen
Your case is managed by an experienced attorney not handed off to junior staff.
Recent Results for Rhode Island Clients
$590,000 for a Pawtucket family after a denied accidental death claim. The insurer pointed to a medical exclusion, but we proved the death met the policy’s definition of accidental.
$530,000 in a lapse dispute involving failure to send required notices. Our litigation forced the insurer to pay full benefits.
$488,000 after a group life claim was denied due to alleged employer error. We used ERISA protections to secure payment for the client’s spouse.
We Handle All Types of Life Insurance Disputes in Pawtucket
Accidental Death Denials
We challenge exclusions related to intoxication, illegal activity, or ambiguous policy language.
Lapsed Policy Claims
We investigate whether grace periods and notices complied with Rhode Island law.
Misrepresentation Allegations
Insurers often cite application issues unfairly. We fight back with medical evidence and legal precedent.
Beneficiary Disputes
We resolve cases involving multiple claimants, outdated forms, or potential fraud.
Group Life Policy Denials (ERISA)
We represent employees and families in appeals and lawsuits involving employer-provided coverage.
Areas We Serve Throughout Pawtucket
We assist clients throughout Pawtucket and surrounding neighborhoods, including:
Slater Park
Darlington
Fairlawn
Oak Hill
Woodlawn
Quality Hill
Downtown Pawtucket
Pine Crest
Pleasant View
Riverfront Lofts District
Whether the policy was purchased privately or provided by a Rhode Island employer, we know how to challenge unjust denials and recover the benefits your family is owed.
What You Get
Free, confidential case evaluation
Comprehensive legal investigation
Direct communication with your attorney
No recovery, no fee
Speak With Attorney Christian Lassen Today
Call The Lassen Law Firm at 800-330-2274 to get started with a free consultation.
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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“The insurer said the activity my father was doing at the time of his death wasn’t covered. Lassen reviewed the policy and showed there was no such exclusion. They got it paid out without a lawsuit.”- Deborah L.
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.