Mount Pleasant Life Insurance Lawyer
In Mount Pleasant, one of South Carolina’s most picturesque and fast-growing towns, families dealing with life insurance disputes often face complex and unfair roadblocks from insurance companies. At The Lassen Law Firm, we represent Mount Pleasant residents whose life insurance claims have been denied, delayed, or disputed including 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 nationwide, our firm stands with Mount Pleasant families to ensure they receive the benefits their loved ones intended.
Why Mount Pleasant Families Trust The Lassen Law Firm
Life Insurance Only
We don’t handle car accidents or divorces. Life insurance law is our entire focus.
Handling Cases Nationwide
We serve clients in all 50 states, including private and group policies issued in South Carolina.
Work Directly with Christian Lassen
You won’t be passed off to staff. Clients work directly with the lead attorney throughout their case.
Successful Outcomes for South Carolina Clients
$635,000 recovered in a denied group life claim involving a terminated policy. We proved the insurer failed to provide proper notice during a medical leave.
$590,000 for a wrongful AD&D denial based on a toxicology report. We successfully challenged the exclusion with expert testimony.
$505,000 paid to a Mount Pleasant beneficiary after an insurer alleged material misrepresentation. Our investigation proved the application was accurate and complete.
Types of Life Insurance Disputes We Handle in Mount Pleasant
Accidental Death Denials
We challenge claims denied due to alleged drug use, alcohol involvement, or unverified accident causes.
Policy Lapse Allegations
We investigate whether the insurer followed South Carolina’s strict grace period and notice requirements.
Misrepresentation Disputes
We defend policyholders against unfair claims that misstatements on the application void coverage.
Contested Beneficiary Claims
We handle disputes involving ex-spouses, stepchildren, or conflicting paperwork.
ERISA Group Plan Denials
We assist employees in Mount Pleasant with denied claims under employer-sponsored policies governed by federal law.
Mount Pleasant Areas We Serve
Our firm assists clients throughout the Mount Pleasant area, including:
Old Village
Shem Creek
Dunes West
Belle Hall
Park West
Carolina Park
I’On
Snee Farm
Brickyard Plantation
Hamlin Plantation
Whether the life insurance policy was employer-provided or privately purchased, we have the experience to protect your rights and recover your benefits.
How We Help
Thorough investigation and policy review
Direct negotiation with the insurer
Aggressive litigation when necessary
No fees unless we win
Start with a Free Consultation
Call The Lassen Law Firm at 800-330-2274 to speak directly with Christian Lassen. We’re ready to fight for what’s rightfully yours.
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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“I was told the life insurance policy had lapsed due to unpaid premiums. But Christian Lassen's team proved the company had failed to send proper notice. They fought back and got the policy reinstated retroactively. I’m incredibly grateful.”- James 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.