Columbia Life Insurance Lawyer
In Columbia, South Carolina’s capital and a city steeped in tradition, families dealing with life insurance disputes often face large insurance companies that delay or deny valid claims. At The Lassen Law Firm, we help Columbia residents resolve denied, delayed, or disputed life insurance claims including accidental death and dismemberment (AD&D) cases and employer-sponsored policy disputes.
Attorney Christian Lassen, Esq. brings over 25 years of exclusive experience in life insurance law. With hundreds of millions recovered for clients nationwide, our firm stands ready to support Columbia families and ensure they receive the benefits their loved ones intended for them.
Why Columbia Residents Turn to The Lassen Law Firm
Life Insurance Only
We don’t take personal injury or general litigation cases. Life insurance law is all we do.
Nationwide Practice
Serving all 50 states, we handle both private policies and ERISA-regulated group claims.
Direct Attorney Access
You will work with Christian Lassen directly throughout your case no handoffs to junior staff.
Notable Results for South Carolina Clients
$615,000 for a Columbia family denied benefits due to an alleged misrepresentation on a health question. We proved the insurer waived its right to contest.
$550,000 for a client whose AD&D claim was rejected based on intoxication. We demonstrated the exclusion was misapplied.
$485,000 recovered after a lapse denial, where the insurer failed to provide the required notices under South Carolina law.
Life Insurance Disputes We Handle in Columbia
Accidental Death Denials
We fight back when insurers cite exclusions for drug use, criminal conduct, or other loosely defined reasons.
Policy Lapse Disputes
We investigate whether the policyholder was given appropriate notice and grace periods.
Misrepresentation Allegations
Insurers often deny claims based on minor or irrelevant health details. We challenge those denials with medical and legal evidence.
Beneficiary Conflicts
We resolve disputes involving ex-spouses, outdated forms, or multiple claimants.
Group Life Insurance Denials (ERISA)
We handle appeals and federal lawsuits for Columbia workers covered under employer-sponsored policies.
Columbia Neighborhoods We Serve
We assist clients throughout the Columbia region, including:
Forest Acres
Shandon
Rosewood
Five Points
The Vista
North Columbia
Eastover
Lake Katherine
Hampton Hills
University Hill
Whether the policy is privately purchased or tied to employment in South Carolina, we know how to enforce your rights and recover full benefits.
What You Can Expect
Thorough claim analysis
Aggressive insurer negotiations
Skilled federal and state litigation
No fee unless we win
Call Christian Lassen Today
Contact The Lassen Law Firm at 800-330-2274 to speak directly with attorney Christian Lassen. Your consultation is free and confidential.
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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“After waiting months with no payout, the insurer claimed we hadn’t submitted the right paperwork. The Lassen Law Firm took over, gathered the necessary forms, and pushed the claim through in under three weeks. Efficient and professional from start to finish.”- Michael H.
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.