Memphis Life Insurance Lawyer
In Memphis, Tennessee’s iconic river city and music capital, families dealing with life insurance disputes often find themselves up against large insurance companies determined to delay or deny valid claims. At The Lassen Law Firm, we represent Memphis residents in denied, delayed, or disputed life insurance claims, including challenging accidental death and dismemberment (AD&D) cases.
Attorney Christian Lassen, Esq. has practiced life insurance law exclusively for over 25 years. With hundreds of millions recovered for clients nationwide, our firm is proud to fight for Memphis families to secure the benefits their loved ones intended them to have.
Why Memphis Families Trust The Lassen Law Firm
Exclusive Life Insurance Focus
We don’t take car accident cases or handle general law. Life insurance litigation is all we do.
Serving All 50 States
We represent clients throughout the country, including group and private life insurance policyholders in Tennessee.
Direct Attorney Access
You won’t be handed off to an assistant. Christian Lassen handles each case personally from start to finish.
Notable Life Insurance Recoveries for Tennessee Clients
$1,000,000 recovered in an AD&D denial involving a workplace accident where the insurer tried to apply an “hazardous activity” exclusion. We proved the activity was work-related and the claim was covered.
$580,000 from a private insurer after a lapse was wrongfully declared during a grace period following job loss. We forced the carrier to honor the original policy.
$600,000 secured for a Memphis client whose ERISA-based group policy claim was denied based on alleged misstatements. We successfully reversed the denial on appeal.
Life Insurance Disputes We Handle in Memphis
AD&D Denials
We challenge exclusions based on intoxication, reckless conduct, or alleged illegal activity.
Lapsed Policy Claims
We investigate whether required premium notices and grace periods were followed under Tennessee law.
Misrepresentation Allegations
We fight back when insurers try to deny claims based on outdated or misleading health records.
Beneficiary Conflicts
We resolve family disputes and unclear beneficiary designations that hold up rightful payments.
ERISA Group Policy Appeals
We regularly handle claims involving employer-sponsored plans, including federal court litigation if needed.
Serving All of Memphis and Shelby County
We assist clients throughout the Memphis metro area, including:
Downtown Memphis
Midtown
Cordova
Germantown
Whitehaven
East Memphis
Southwind
Raleigh
Frayser
Bartlett
Whether the policy was issued by a private insurer or through an employer in Tennessee, we have the experience to pursue your case and recover what you're owed.
What You Can Expect
Detailed policy and claim review
Persistent negotiation with insurers
Federal and state litigation when necessary
Support and guidance every step of the way
No Recovery, No Fee
We charge nothing unless we win your case. Every consultation is free and confidential.
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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“The company claimed my dad died during a criminal act and denied the policy. Christian’s firm conducted their own investigation, cleared his name, and the benefit was paid in full. They didn’t back down.”- Steven
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.