Nashville Life Insurance Lawyer
In Nashville, Tennessee’s capital and iconic “Music City,” families facing life insurance disputes often find themselves battling powerful insurers who delay or deny valid claims. At The Lassen Law Firm, we help Nashville residents resolve denied, delayed, or disputed life insurance claims, including complex accidental death and dismemberment (AD&D) cases.
Attorney Christian Lassen, Esq. has more than 25 years of experience practicing exclusively in life insurance law. With hundreds of millions recovered for clients across the country, our firm stands with families in Nashville to ensure they receive the benefits their loved ones intended.
Why Nashville Families Choose The Lassen Law Firm
Life Insurance Focus Only
We do not split our focus with personal injury or general practice. Life insurance law is all we do.
Handling Cases Nationwide
We assist clients across all 50 states, including ERISA-governed employer policies and private policies issued in Tennessee.
Attorney Access from Day One
You will work directly with Christian Lassen throughout the entire legal process.
Real Results for Tennessee Clients
$220,000 recovered for a Nashville client after an insurer denied an AD&D claim based on a “drug use” exclusion. We proved the toxicology report was misinterpreted and successfully reversed the denial.
$150,000 settlement for a widow after a group policy was terminated without proper notice during a short-term disability leave.
$800,000 payout following a denied claim based on alleged medical misrepresentation. We demonstrated the insurer’s underwriting error and secured full benefits.
Types of Life Insurance Disputes We Handle in Nashville
Accidental Death & Dismemberment (AD&D) Denials
Including claims denied due to intoxication, reckless behavior, or criminal act exclusions.
Policy Lapses
We investigate whether the insurer followed Tennessee law regarding notices and grace periods.
Application Misrepresentation
We challenge claim denials based on outdated or inaccurate health information.
Beneficiary Disputes
We resolve conflicts involving family members, ex-spouses, and disputed beneficiary designations.
ERISA Group Policy Denials
We handle appeals and federal litigation under ERISA for employer-sponsored plans in Nashville.
Serving the Entire Nashville Area
We represent clients throughout Davidson County and the greater Nashville area, including:
Downtown
East Nashville
Green Hills
Belle Meade
The Gulch
Germantown
Sylvan Park
Antioch
Donelson
Hillsboro Village
Whether your life insurance policy is private or employer-provided, our legal team is ready to help you get the money you are owed.
What You Can Expect
Thorough case evaluation
Aggressive negotiations and litigation
Step-by-step support through the entire process
No legal fees unless we recover money for you
Speak with a Life Insurance Lawyer Today
Call The Lassen Law Firm at 800-330-2274 for a free, confidential consultation with attorney Christian Lassen.
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.