Charleston Life Insurance Lawyer
In Charleston, South Carolina’s most iconic and historic city, families facing life insurance disputes often encounter tough resistance from insurers eager to delay or deny payment. At The Lassen Law Firm, we help Charleston residents resolve denied, delayed, or disputed life insurance claims including complex accidental death and dismemberment (AD&D) cases.
Attorney Christian Lassen, Esq. has over 25 years of exclusive experience in life insurance law. With hundreds of millions recovered for clients across the country, our firm stands by Charleston families to ensure they receive the benefits their loved ones intended.
Why Charleston Families Choose The Lassen Law Firm
Life Insurance Is All We Do
We focus solely on life insurance cases. No distractions, no side practice areas.
Nationwide Reach, Local Focus
We represent clients in all 50 states, including those with employer-sponsored and private life insurance policies in South Carolina.
Direct Attorney Access
Clients work personally with Christian Lassen throughout the claim or litigation process.
Notable Results for South Carolina Clients
$925,000 for a Charleston family after a group life claim was denied for alleged misrepresentation. We proved the insurer ignored critical medical context.
$390,000 in an AD&D case after the insurer denied benefits based on a drug exclusion. We successfully argued the exclusion was improperly applied.
$510,000 recovered for a client after an alleged policy lapse. Our investigation showed the insurer failed to follow required notice procedures under South Carolina law.
Life Insurance Disputes We Handle in Charleston
Accidental Death Claim Denials
We challenge exclusions based on drugs, alcohol, or disputed causes of death.
Lapse and Nonpayment Disputes
We analyze billing records, notice compliance, and grace periods to overturn wrongful denials.
Application Misrepresentation Claims
We fight denials based on alleged health misstatements, especially when they are irrelevant or taken out of context.
Beneficiary Disputes
We resolve conflicts over who is entitled to the proceeds, including cases involving ex-spouses or conflicting documents.
ERISA Group Policy Denials
We handle administrative appeals and file federal lawsuits for Charleston workers covered by employer-sponsored plans.
Areas We Serve Across Charleston
We assist clients across the Charleston area, including:
Historic District
West Ashley
James Island
Johns Island
Mount Pleasant
North Charleston
Daniel Island
Folly Beach
Wagener Terrace
Summerville
Whether the policy is individually purchased or provided through a South Carolina-based employer, we have the experience to fight for the payout you deserve.
What We Provide
Detailed policy and claim review
Aggressive insurer negotiation
Federal and state litigation
No fee unless we recover money for you
Speak with Christian Lassen Today
Call The Lassen Law Firm at 800-330-2274 for a free consultation with attorney Christian Lassen. Get answers. Get results.
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.