Knoxville Life Insurance Lawyer
In Knoxville, Tennessee’s gateway to the Great Smoky Mountains, families facing life insurance disputes often find themselves overwhelmed by insurers determined to delay or deny rightful claims. At The Lassen Law Firm, we represent Knoxville residents in denied, delayed, and disputed life insurance cases, including complex accidental death and dismemberment (AD&D) matters.
Attorney Christian Lassen, Esq. brings more than 25 years of experience practicing life insurance law exclusively. With hundreds of millions recovered nationwide, our firm proudly helps Knoxville families secure the benefits their loved ones intended them to have.
Why Knoxville Residents Choose The Lassen Law Firm
Focused on Life Insurance Law
We don’t handle injury or general litigation. Our entire practice is devoted to life insurance claims.
Winning Cases Nationwide
We represent clients throughout Tennessee and across the United States in both private and group life insurance matters.
Direct Attorney Access
From your first call through resolution, you’ll work directly with Christian Lassen—not an assistant or case manager.
Successes for Tennessee Clients
$725,000 secured from a group policy denial involving an alleged misrepresentation in the application. We showed the medical history in question was irrelevant and won full benefits.
$675,000 recovered after a Knoxville insurer denied an AD&D claim based on an “intentional act” exclusion. We proved the incident was accidental under Tennessee law.
$615,000 settlement in a lapse dispute for a client whose payment was misapplied during a policy grace period.
Knoxville Life Insurance Disputes We Handle
AD&D Denials
We challenge denials based on intoxication, criminal conduct, or excluded risk classifications.
Lapse and Nonpayment Issues
We analyze notice procedures and grace period compliance under Tennessee law.
Misrepresentation Accusations
We defend against wrongful claim denials based on minor or unrelated health disclosure issues.
Beneficiary Disputes
We resolve conflicts involving multiple claims or unclear designations.
ERISA Group Plan Denials
We appeal and litigate employer-sponsored life insurance denials under federal law.
Areas We Serve in the Knoxville Region
We assist clients across Knox County, including:
Market Square
Bearden
Fountain City
Sequoyah Hills
West Hills
Downtown
South Knoxville
Cedar Bluff
Inskip
Halls Crossroads
Whether your policy was issued privately or through a Tennessee-based employer, we have the experience to help you win your case.
What You Can Expect
Thorough case evaluation
Direct insurer negotiations
Aggressive litigation when needed
Guidance and support throughout your claim
No Fee Unless We Win
You pay nothing unless we recover money for you. Every case starts with a free, private 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 tried to connect my father’s death to an undisclosed pre-existing condition. Christian's firm reviewed the full medical file and showed it had no bearing. Within a month, we had the check.”- Susan B.
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.