Chattanooga Life Insurance Lawyer
In Chattanooga, known as the “Scenic City” for its river views and mountainous skyline, families facing life insurance disputes often find themselves battling large insurance companies that delay or deny valid claims. At The Lassen Law Firm, we help Chattanooga residents resolve denied, delayed, or disputed life insurance claims, including accidental death and dismemberment (AD&D) policies.
Attorney Christian Lassen, Esq. brings more than 25 years of experience focused entirely on life insurance law. With hundreds of millions recovered for clients across the nation, our firm is proud to fight for Chattanooga families when insurers refuse to pay what’s owed.
Why Chattanooga Families Trust The Lassen Law Firm
We Focus Only on Life Insurance
We’re not a general practice firm. Life insurance law is all we do.
Nationwide Legal Reach
We represent clients in all 50 states, including Tennessee workers with employer-based or private policies.
Work Directly with a Senior Attorney
Attorney Christian Lassen personally handles every case from start to finish.
Successes for Tennessee Clients
$710,000 recovered from a denied AD&D claim after a fatal river boating accident near Chattanooga. The insurer cited alcohol use; we proved impairment was not the cause of death.
$645,000 secured from a lapse dispute involving a missed premium following hospitalization. We showed the notice requirements under the policy were not met.
$590,000 settlement for a Chattanooga family wrongly accused of misrepresentation over outdated health information.
Life Insurance Claims We Handle in Chattanooga
AD&D Claim Denials
We fight exclusions based on drug use, criminal activity, or alleged intentional acts.
Policy Lapse Disputes
We evaluate whether the insurer provided all required notices and followed grace period rules under Tennessee law.
Application Misrepresentation Claims
Often insurers deny claims based on inaccurate or outdated disclosures. We challenge those unfair denials.
Beneficiary Conflicts
We help resolve disputes among family members or claims involving ex-spouses and updated wills.
ERISA Life Insurance Denials
If you were denied benefits under a group policy through your employer, we handle federal appeals and lawsuits.
Chattanooga Neighborhoods We Serve
We work with clients throughout Hamilton County, including:
Lookout Mountain
North Shore
East Brainerd
St. Elmo
Signal Mountain
Hixson
Downtown
Red Bank
Missionary Ridge
East Ridge
Whether the policy was purchased individually or provided through a Tennessee employer, we have the experience to get results.
How We Help
Detailed claim review
Aggressive communication with insurers
Federal and state litigation
One-on-one legal guidance every step of the way
No Fee Unless We Win
You pay nothing unless we recover money for you. We offer a free and confidential consultation.
Call The Lassen Law Firm at 800-330-2274 to speak directly with attorney Christian Lassen today.
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.