San Antonio Life Insurance Lawyer
In San Antonio, a city steeped in history and known for its vibrant culture and iconic landmarks like the Alamo and River Walk, families grieving the loss of a loved one often face a second battle, getting life insurance benefits paid. Insurance companies delay, deny, and dispute valid claims, especially when multiple parties are involved or the insurer files an interpleader. At The Lassen Law Firm, we help San Antonio families resolve denied claims, accidental death disputes, and complex beneficiary conflicts.
Attorney Christian Lassen, Esq. brings over 25 years of experience practicing life insurance law exclusively. With hundreds of millions recovered across the country, our firm stands ready to represent individuals throughout San Antonio and Bexar County.
Why San Antonio Clients Choose The Lassen Law Firm
Sole Focus on Life Insurance Law
We are not a personal injury mill or general practice firm. Life insurance disputes are our only focus.
Serving All 50 States
We represent clients in Texas and nationwide, including ERISA-based employer policies and private individual coverage.
One-on-One Representation
You’ll work directly with attorney Christian Lassen from start to finish, not a case manager or junior associate.
Texas Results and Representation
$795,000 after a group life policy denial where a missed premium was blamed for a lapse. We proved the insurer failed to issue required notices.
$710,000 accidental death recovery after a motorcycle crash near I-10. The insurer cited a drug exclusion; we dismantled their medical evidence in federal court.
$645,000 for a San Antonio client in a contested beneficiary case involving a handwritten form signed shortly before the decedent’s passing. We resolved the dispute through an interpleader defense strategy.
We Handle These Life Insurance Disputes in San Antonio
Beneficiary Disputes and Interpleader Lawsuits
Life insurance companies often file interpleader lawsuits in cases where:
An ex-spouse is still named on the policy
The insured made last-minute changes before death
A new partner and adult children both claim the benefit
Allegations of fraud, forgery, or undue influence arise
Conflicting versions of the policy or beneficiary designation exist
In these cases, the insurer deposits the funds with the court and sues all potential claimants. We defend your claim, build the evidence, and resolve the dispute efficiently—often through mediation, but prepared to litigate aggressively when needed.
Other Claim Denials We Handle
Accidental Death (AD&D) Denials
We challenge exclusions involving alcohol or drug use, "risky behavior," or alleged misconduct.
Policy Lapse Claims
We determine if the insurer complied with Texas law by issuing all required lapse notices and grace period protections.
Misrepresentation Allegations
Insurers often deny claims for so-called “material misstatements” on the application. We expose flawed reasoning and bad faith.
ERISA Group Policy Appeals
We frequently handle appeals and lawsuits under the federal ERISA law for San Antonio employees with employer-provided life coverage.
Areas We Serve in the San Antonio Region
We represent clients across Bexar County, including:
Downtown
Alamo Heights
Stone Oak
Southtown
Helotes
Castle Hills
Westover Hills
Converse
Live Oak
Shavano Park
Leon Valley
Whether the policy was private or employer-based, we have the experience and legal tools to recover what you are owed.
What You Can Expect
Thorough review of the policy and denial
Customized strategy based on Texas and federal law
Direct attorney access throughout your case
No recovery, no fee
No Fee Unless We Win
You pay nothing unless we obtain money for you. Every case begins with a free 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 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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“My husband didn’t list a prior policy cancellation, and they used that to deny our claim. Lassen Law proved it was irrelevant and unrelated to the cause of death. We received the benefit without a prolonged legal battle.”- Daniel S.
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.