Houston Life Insurance Lawyer
In Houston, Texas’s largest city and home to world-class institutions, life insurance disputes often arise at the worst possible time, right after the loss of a loved one. Insurance companies frequently delay, deny, or dispute claims, especially in complex cases involving beneficiary conflicts or contested policies. At The Lassen Law Firm, we help Houston families navigate denied claims, accidental death cases, and interpleader lawsuits with confidence and clarity.
Attorney Christian Lassen, Esq. has focused exclusively on life insurance law for over 25 years. With hundreds of millions recovered nationwide, our firm stands with families across Houston and Harris County when insurers fail to honor their obligations.
Why Houston Families Choose The Lassen Law Firm
Exclusive Life Insurance Focus
We don’t split our attention with personal injury or other practice areas. Life insurance law is all we do.
Nationwide Reach, Texas Experience
We represent clients across all 50 states and regularly handle claims involving Texas-based employers and private insurers.
Work Directly with Christian Lassen
Clients speak directly with the attorney handling their case, not a junior associate or intake team.
Texas Case Results
$830,000 denied AD&D claim from a major oil company group policy. Insurer claimed self-inflicted injury; we proved it was accidental and covered.
$760,000 recovery after lapse denial based on a technical premium payment issue during COVID-related hardship. We established the policy remained in force.
$1,620,000 for a Houston widow in a high-conflict interpleader suit involving an ex-spouse and a disputed beneficiary form. We resolved it quickly.
Life Insurance Disputes We Handle in Houston
Beneficiary Disputes and Interpleaders
We frequently represent clients in complex cases where multiple individuals claim entitlement to the same life insurance benefit. These often involve:
Ex-spouses still listed on outdated policies
Children from different marriages
Recent handwritten changes to beneficiary forms
Allegations of undue influence, fraud, or mental incapacity
ERISA employer-sponsored policies requiring strict documentation
If the insurer has filed an interpleader lawsuit in federal or state court, we act swiftly to defend our clients' rights and obtain the benefits they deserve.
Other Disputes We Handle
AD&D Claim Denials
We challenge denials involving exclusions for drug or alcohol use, risky behavior, or alleged criminal conduct.
Lapse Disputes
Our team investigates whether notice requirements and grace periods were properly followed under Texas law.
Misrepresentation Allegations
Many insurers deny claims based on old or incomplete medical records. We expose wrongful denial tactics.
ERISA Denials
We litigate group life insurance cases governed by federal ERISA laws, especially those involving Houston’s corporate employers and hospital systems.
Houston Areas We Serve
We help clients throughout the Houston metro area and Harris County, including:
The Heights
Galleria/Uptown
River Oaks
Midtown
Memorial
Pearland
Pasadena
Sugar Land
Katy
Cypress
Spring
Clear Lake
Whether the policy was purchased privately or obtained through a Texas employer, our firm is ready to fight for your rights.
What We Offer
Thorough investigation of all claim denials
Skilled negotiation and litigation experience
Federal and state court representation
Hands-on legal support from start to finish
No Fee Unless We Win
You owe nothing unless we secure payment on your claim. 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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“The insurer said the application wasn’t complete, so the claim couldn’t be processed. I felt helpless until I hired Lassen Law. They located the original records and showed that everything was properly submitted. Case closed.”- Christopher A.
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.