Chesapeake Life Insurance Lawyer
In Chesapeake, a scenic city known for its nature preserves, family-friendly neighborhoods, and strong community values, navigating a life insurance claim can still be incredibly difficult especially when the claim is denied, delayed, or caught in a beneficiary dispute. At The Lassen Law Firm, we help clients in Chesapeake and across Virginia protect their rights and recover the life insurance payouts they are owed.
Whether you're near the tranquil Great Dismal Swamp, the bustling Greenbrier area, or anywhere in Chesapeake City, we offer trusted legal representation tailored to your situation. We serve clients in all 50 states.
Beneficiary Disputes in Chesapeake Require Immediate Legal Action
If you're involved in a dispute over who is entitled to the policy benefits, we can help. We represent:
Surviving spouses and children wrongly challenged by ex-spouses
Clients facing disputes due to last-minute or suspicious beneficiary changes
Claimants accused of undue influence, fraud, or forgery
Individuals navigating conflicting or unclear beneficiary designations
You don’t have to face a legal battle against relatives or the insurance company alone—we’ll fight for you.
Denied or Delayed Life Insurance Claim? We Handle It All
We have deep experience overturning denials based on:
Alleged misrepresentation on the policy application
Missed premium payments and policy lapse claims
Suicide or drug/alcohol exclusions
Delayed investigations or conflicting documents
We know how to pressure insurers into doing what’s right—and fast.
Recent Life Insurance Case Results
$1,000,000 paid to a son cut out due to a fraudulent beneficiary change by a caregiver
$600,000 recovered after a claim was delayed for over a year due to internal "investigation"
$250,000 awarded to a widow after the insurer wrongly claimed the death was excluded due to alcohol use
Why Chesapeake Clients Trust The Lassen Law Firm
25+ years focused exclusively on life insurance claims
We serve clients in all 50 states (no in-state license required)
No fee unless we win
National recognition and proven results
Personalized attention and aggressive representation
Contact us today for a free consultation.
Written & Reviewed by Christian Lassen, Esq.
Nationally Recognized Life Insurance Lawyer
Quoted in The Wall Street Journal (May 17, 2025)
25 Years Experience | Hundreds of Millions Recovered
Last reviewed: June 13, 2025 | Call 800-330-2274
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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“We were denied after my dad changed jobs and the company claimed he never converted his life insurance policy. Mr. Lassen found the paperwork showing he had. The check arrived a month later.”- Brian C.
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.