Norfolk Life Insurance Lawyer
In Norfolk, a historic port city celebrated for its vibrant waterfront, naval heritage, and tight-knit community, dealing with a life insurance claim can quickly become overwhelming especially when benefits are wrongfully denied, delayed, or caught in a beneficiary dispute. At The Lassen Law Firm, we help families and individuals in Norfolk get the payouts they are rightfully owed.
Whether you're near the bustling Downtown waterfront, the peaceful Norfolk Botanical Garden, or anywhere across Norfolk City, we offer trusted legal guidance and hands-on support. We handle claims in Virginia and across all 50 states.
We Resolve Beneficiary Disputes in Norfolk and Nationwide
Conflicts often arise over who should receive the life insurance payout. If you're facing:
A challenge by an ex-spouse or estranged relative
Disputes due to a last-minute change in the beneficiary
Allegations of fraud, forgery, or undue influence
Competing claims among multiple named or unnamed beneficiaries
The Lassen Law Firm can step in immediately and fight for your rightful claim.
Was Your Life Insurance Claim Denied or Delayed? We Can Help
We handle all types of denials, including those based on:
Misrepresentation on the original application
Lapsed policies due to alleged nonpayment
Suicide, drug, or alcohol exclusions
Delays due to incomplete or contested documentation
We know every tactic insurers use—and how to defeat them.
Recent Life Insurance Case Results
$1.2 million paid to the rightful daughter after a forged beneficiary change was uncovered
$750,000 collected in an accidental death case involving a contested alcohol exclusion
$500,000 recovered after a carrier wrongfully claimed the insured misrepresented medical history
Why Norfolk Residents Trust The Lassen Law Firm
25+ years handling only life insurance claims
Serving clients in all 50 states (we don’t need to be licensed in every state)
No fee unless we win
National success with hundreds of millions recovered
Personalized support, aggressive advocacy
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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“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.