Warwick Life Insurance Lawyer
In Warwick, a coastal Rhode Island city known for its scenic bays, deep history, and strong local character, families facing life insurance disputes often find themselves battling large insurance companies determined to delay or deny valid claims. At The Lassen Law Firm, we help Warwick residents resolve denied, delayed, or disputed life insurance matters, including accidental death and dismemberment (AD&D) cases and group policy denials.
Attorney Christian Lassen, Esq. has over 25 years of experience practicing exclusively in life insurance law. With hundreds of millions recovered for clients across the country, our firm proudly serves Warwick families in need of justice.
Why Warwick Families Choose The Lassen Law Firm
Life Insurance Focus
We handle nothing but life insurance law, no distractions, no dilution of expertise.
Serving All 50 States
We represent clients across Rhode Island and nationwide in both private and employer-based life insurance claims.
Work Directly with an Attorney
Every case is led by Christian Lassen personally, not passed off to paralegals or associates.
Results for Rhode Island Clients
$292,000 recovered from a lapse denial where the insurer failed to provide proper grace period notices on a group policy from a regional hospital.
$674,000 in an AD&D denial after a Warwick man died in a boating accident and the insurer cited an “intoxication” exclusion. We challenged the exclusion successfully.
$581,000 recovered for a client whose claim was rejected for alleged misrepresentation of a non-critical medical condition. The policy had been in effect for over two years, making the denial improper under Rhode Island contestability laws.
Types of Life Insurance Disputes We Handle in Warwick
Accidental Death & Dismemberment (AD&D) Denials
We fight exclusions based on technicalities such as alleged alcohol use or criminal conduct.
Policy Lapses
We investigate whether the insurer complied with state-mandated grace periods and notification rules.
Misrepresentation Allegations
Frequently misused to deny valid claims based on outdated or irrelevant medical history.
Beneficiary Conflicts
Including disputes involving ex-spouses, recent changes to beneficiary forms, and multiple claimants.
ERISA and Group Life Policy Denials
We litigate denials under employer-sponsored life insurance governed by federal law.
Serving Warwick and All of Kent County
We proudly help clients in Warwick neighborhoods and nearby communities including:
Apponaug
Pawtuxet
Oakland Beach
Conimicut
Hillsgrove
Norwood
Potowomut
Greenwood
Cowesett
East Natick
Whether the policy was purchased individually or provided through a Rhode Island employer, we know how to fight for what you’re owed.
How We Help
Free consultations and case evaluations
In-depth review of policy documents and denial letters
Aggressive communication with insurers
Litigation in federal or state court if needed
You Pay Nothing Unless We Win
No legal fees unless we recover compensation. Every case starts with a no-obligation 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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“We were denied after my dad changed jobs and the company claimed he never converted his life insurance policy. Mr. Lassen found the paperwork showing he had. The check arrived a month later.”- Brian C.
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.