
Tacoma Life Insurance Lawyer
In Tacoma, a vibrant city known for its scenic waterfront, thriving arts culture, and strong sense of community, navigating life insurance claims can still be a stressful and frustrating experience, especially when benefits are unfairly delayed or denied. At The Lassen Law Firm, we are dedicated to helping families and individuals in Tacoma secure the financial protection they deserve.
Whether you’re near the bustling Downtown district, the peaceful Point Defiance Park, or anywhere throughout Pierce County, we provide trusted legal counsel and personalized support in life insurance disputes. We serve clients in all 50 states and focus exclusively on life insurance claims.
Handling Life Insurance Beneficiary Disputes in Tacoma
Many of the cases we handle in Washington involve complex beneficiary conflicts, such as:
Claims by competing beneficiaries
Disputes involving ex-spouses or stepchildren
Allegations of undue influence or forged changes
Errors in beneficiary designations
Our firm brings clarity and results to these often emotionally charged and time-sensitive situations.
Other Common Life Insurance Disputes We Handle
Denied claims based on alleged misrepresentations
Contestability denials within the first two years
Accidental death exclusion disputes
Lapse and nonpayment defenses
Delays caused by insurance investigations or missing paperwork
Recent Case Results
$156,000 recovered in a disputed claim where a former spouse challenged the named beneficiary
$520,000 secured for a family denied due to an alleged lapse in premium payment
$290,000 won for a Tacoma client after a delay caused by conflicting death certificate issues
Why Choose The Lassen Law Firm
National practice with clients in all 50 states
Over 25 years of experience in life insurance litigation
Hundreds of millions recovered for our clients
No recovery, no fee
Quoted in The Wall Street Journal (May 17, 2025)
Get a free consultation today.
Written & Reviewed by Christian Lassen, Esq.
Nationally Recognized Life Insurance Lawyer
25 Years Experience | Hundreds of Millions Recovered
Last reviewed: June 13, 2025 | Contact 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!
-
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.
-
No. In most states, insurers must send a written notice of overdue premiums and warn of pending lapse before terminating coverage.
-
The policy may still be enforceable. Beneficiaries can challenge the lapse based on the insurer’s failure to provide required notice.
-
Yes. If the insured dies during the grace period, the policy is still considered active, and benefits should be paid.
-
Yes. In group life insurance policies, employers sometimes fail to forward premiums properly, leading to wrongful lapse denials.
-
Yes. If automatic payment setups fail through no fault of the insured, lapses may be challenged.
-
Some policies automatically borrow against cash value to cover missed payments. Failure to apply this correctly can lead to wrongful lapse claims.
-
Possibly. Some courts excuse nonpayment if the insured was mentally incapacitated and missed premiums without proper notice.
-
No. Reinstatement must occur while the insured is alive, but wrongful lapse denials can still be challenged posthumously.
-
Not without following strict notice and grace period rules. Beneficiaries can often challenge technical denials.
-
Deadlines vary by state, but it’s critical to act within 1 to 5 years depending on the policy and jurisdiction.
-
Not necessarily. Payments mailed within grace periods or accepted by insurers may keep coverage active.
-
Bank records, payment receipts, insurer correspondence, and premium notices are key evidence.
-
If the insurer used an outdated address despite updated information, lapse denials can often be overturned.
-
Possibly. If the insured submitted a reinstatement application before death, it may help challenge a lapse denial.
-
In some states, special grace periods and protections applied during COVID-19 emergencies. They can help fight wrongful lapses.
-
Only if the insurer followed all legal notice and grace period requirements. Otherwise, beneficiaries may still recover.
-
Misapplied premiums can lead to wrongful lapses — and courts often hold insurers accountable for these errors.
-
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
-
“Apparently, there were so-called inconsistencies on the application. The insurer used that as an excuse to avoid paying. Thankfully, Lassen Law stepped in and proved everything had been disclosed accurately. Claim paid.”- Rebecca M.


Why The Lassen Law Firm Is Different


-
Representing clients coast to coast and recovering hundreds of millions in denied life insurance claims, we secure justice and peace of mind for families everywhere.
-
Perfect 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.
-
No upfront fees: our contingency fee guarantee aligns our interests with yours; we provide personalized, compassionate representation from your initial consultation through resolution.
-
Quoted in The Wall Street Journal and featured in leading legal publications; frequent speaker at national conferences; dedicated to charitable efforts supporting pediatric cancer care.