Richmond Life Insurance Lawyer
In Richmond, a city known for its deep historical roots, thriving arts scene, and Southern charm, life insurance disputes can still create overwhelming stress especially when insurance companies delay or deny valid claims. At The Lassen Law Firm, we help individuals and families in Richmond and across Virginia get the full benefits they’re entitled to, even in the face of complex legal challenges.
Whether you're near the historic Shockoe Slip, the picturesque James River Park System, or anywhere throughout Henrico County and the greater Richmond region, we deliver experienced, results-driven legal support. We serve clients in all 50 states.
Richmond Beneficiary Dispute Lawyer: Let Us Protect Your Rights
Many of our clients come to us when there’s a dispute over who should receive the life insurance payout. If you're involved in a contested claim due to:
A suspicious last-minute change in beneficiaries
Competing claims from an ex-spouse or children
Accusations of fraud, forgery, or undue influence
Unclear or conflicting beneficiary designations
We know how to cut through red tape and win even the most challenging disputes.
We Handle All Types of Life Insurance Denials
Insurance companies often deny claims for reasons like:
Misrepresentation on the application
Policy lapse due to alleged missed premiums
Suicide exclusions or alcohol-related death denials
Delays under the pretext of “ongoing investigations”
We don’t accept excuses—and we don’t get paid unless we recover money for you.
Recent Life Insurance Case Results
$1,200,000 recovered for a Richmond widow after insurer claimed policy lapsed due to "nonpayment"
$750,000 paid to adult children excluded in a forged beneficiary change form
$300,000 secured for a brother wrongly denied benefits due to suicide clause misinterpretation
Why Richmond Clients Choose The Lassen Law Firm
25+ years of experience focused only on life insurance claims
Serving clients in all 50 states
We handle all beneficiary disputes, delays, and denials
No fee unless we win
National media recognition and a history of results
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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“My mom died after a non-traditional medical procedure, and the insurer refused to pay. Lassen Law proved the treatment had nothing to do with the cause of death. They fought like it was their own family involved.”- Emily N.
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.