Austin Life Insurance Lawyer
In Austin, Texas’ dynamic capital known for its live music, cultural diversity, and progressive energy, families dealing with life insurance disputes often find themselves overwhelmed. Whether your claim has been denied, delayed, or caught up in a beneficiary conflict, The Lassen Law Firm is here to help. We represent clients throughout Austin and Travis County in life insurance disputes, including complex accidental death claims and interpleader lawsuits.
Attorney Christian Lassen, Esq. has more than 25 years of experience handling life insurance cases exclusively. With hundreds of millions recovered nationwide, our firm brings the legal strength and focus Austin families need when their rightful benefits are on the line.
Why Austin Families Choose The Lassen Law Firm
Life Insurance Only
We don’t take on car accidents or wills. This firm is 100% dedicated to life insurance law.
Nationwide Reach, Texas Experience
We handle cases in all 50 states, including ERISA-based group policy denials involving Austin employers.
You Work Directly with Christian Lassen
You won’t be passed off to case managers or junior lawyers. Attorney Lassen personally handles your claim from start to finish.
Recent Texas Case Highlights
$940,000 recovered in a beneficiary dispute where a former spouse and current partner both claimed the proceeds of a group life policy tied to a tech company in Austin.
$715,000 for a family denied an accidental death benefit following a suspected overdose. We proved the cause of death was accidental under Texas insurance law.
$635,000 from a lapsed policy denial involving late payment miscommunications. Our investigation showed the insurer failed to meet Texas grace period notice requirements.
Beneficiary Disputes and Interpleader Lawsuits in Austin
Austin is home to many blended families and nontraditional households. That means beneficiary conflicts are more common than many realize. If more than one party claims the same policy, or if the insurer is unsure who should receive the money, they often file an interpleader lawsuit and leave it to the court to decide.
Our firm handles these cases regularly and can represent you in disputes involving:
Outdated beneficiary designations
Divorce-related disputes under Texas Family Code §9.301
Claims involving alleged undue influence or lack of capacity
Missing or incomplete change-of-beneficiary forms
Conflicts between surviving spouses and adult children
ERISA-governed policies from large Austin employers
Whether your issue is part of a federal interpleader or state probate dispute, we have the litigation experience to fight for your rightful share of the policy.
Other Life Insurance Issues We Handle
AD&D Claim Denials
We challenge exclusions based on drug use, criminal conduct, or high-risk activity, especially when not clearly defined in the policy.
Lapsed Policy Denials
We evaluate whether notices were legally sufficient and if the insurer violated Texas Insurance Code requirements.
Alleged Misrepresentation on Applications
Minor health history discrepancies are often used unfairly to void coverage. We fight these denials with factual and legal evidence.
ERISA Group Life Denials
If your claim was denied under an employer-provided policy, we handle administrative appeals and federal litigation under strict ERISA guidelines.
Austin Areas We Serve
We assist clients across all neighborhoods and surrounding suburbs, including:
Downtown Austin
South Congress (SoCo)
Zilker
East Austin
Westlake
Mueller
Round Rock
Pflugerville
Cedar Park
Bee Cave
Lakeway
What to Expect From Our Firm
Free claim evaluation
No upfront fees
Personalized legal strategy
Transparent communication throughout the case
Aggressive litigation if insurers refuse to pay
No Fee Unless We Win
We work on contingency. That means you pay nothing unless we recover money for you.
Call The Lassen Law Firm at 800-330-2274 to speak directly 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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“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.