Providence Life Insurance Lawyer
In Providence, Rhode Island’s capital and a city known for its historic neighborhoods, thriving arts culture, and scenic riverside views, families dealing with life insurance disputes often find themselves up against insurers that delay or deny payment unjustly. At The Lassen Law Firm, we represent clients in Providence facing denied, delayed, or disputed life insurance claims including accidental death and dismemberment (AD&D) cases and ERISA-related denials.
Attorney Christian Lassen, Esq. brings more than 25 years of experience focused solely on life insurance law. With hundreds of millions recovered for beneficiaries nationwide, we are proud to support families across Providence as they fight for the benefits their loved ones intended.
Why Providence Clients Choose The Lassen Law Firm
Exclusive Focus on Life Insurance
We do not handle general litigation or injury law, life insurance is all we do.
Nationwide Reach
Serving all 50 states, including Rhode Island, we handle both private and group policies.
Direct Attorney Access
Your case is handled personally by Christian Lassen from start to finish.
Notable Life Insurance Recoveries in the Region
$710,000 in a disputed AD&D case involving a waterfront drowning. The insurer denied the claim citing intoxication; we demonstrated the denial violated policy terms.
$645,000 for a Providence family after a group policy through a university was improperly terminated during a medical leave.
$600,000 in a lapse dispute where the insurer failed to provide adequate grace period and notice as required under Rhode Island law.
Common Life Insurance Disputes We Handle in Providence
Accidental Death & Dismemberment Denials
Including denials based on drug or alcohol use, criminal allegations, or hazardous activity exclusions.
Lapsed Policy Claims
We determine whether the insurer followed required notice and premium procedures.
Alleged Misrepresentation
Often used unfairly to deny claims over minor or misunderstood medical disclosures.
Beneficiary Conflicts
Including issues involving ex-spouses, multiple claims, or outdated beneficiary forms.
Group Life & ERISA Claims
We litigate denied employer-based life insurance under federal ERISA law.
Serving All of Providence and Surrounding Communities
We represent clients across Providence County, including:
Downtown
Federal Hill
College Hill
Mount Pleasant
Smith Hill
Silver Lake
Elmhurst
Cranston
Pawtucket
North Providence
Whether the policy came from a private insurer or a Rhode Island employer, we can help.
Our Legal Services Include
Free consultation and policy review
Thorough investigation of denial reasons
Communication and negotiation with insurers
Litigation in state or federal court when necessary
No Fee Unless You Win
We charge nothing unless we recover money for you. Every case begins with a free, confidential consultation.
Call The Lassen Law Firm at 800-330-2274 to speak directly with Christian Lassen, Esq.
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.