Morgantown Life Insurance Lawyer
In Morgantown, a scenic and energetic city known for its rolling hills, lakeside views, and the vibrant spirit of West Virginia University, families facing life insurance disputes often find themselves caught off guard by unexpected delays or wrongful denials. At The Lassen Law Firm, we understand that life insurance is meant to provide security in a time of loss, not uncertainty and stress.
We serve clients throughout Morgantown and Monongalia County with unmatched dedication, helping beneficiaries secure the payments they are rightfully owed. Whether you're dealing with a denied claim, a contested beneficiary designation, or a confusing insurance dispute after a loved one's passing, we bring more than two decades of proven results and legal experience to your case.
We Handle Life Insurance Disputes in Morgantown—Including Beneficiary Conflicts
Some of the most emotionally charged life insurance cases in Morgantown involve beneficiary disputes, often triggered by:
Sudden last-minute changes to the policy
Divorced spouses still listed as beneficiaries
Disputes between children and a second spouse
Claims of forgery or undue influence over the insured
Missing or ambiguous beneficiary paperwork
When these disputes arise, life insurance companies often try to avoid liability by filing interpleader lawsuits, asking the court to decide who gets the money. While this relieves the insurer of responsibility, it drags grieving families into legal battles. At The Lassen Law Firm, we represent rightful beneficiaries with clarity, urgency, and focus, resolving these issues swiftly and decisively whenever possible.
Common Reasons Life Insurance Claims Are Denied in West Virginia
Whether you live near the heart of Downtown Morgantown or out by Cheat Lake, policyholders across Monongalia County often face the same unfair tactics from insurance companies, such as:
Claiming misrepresentations on the application
Enforcing suicide exclusions even when not applicable
Asserting the policy lapsed due to missed payments
Denying claims during the contestability period
Refusing to pay on technicalities or clerical errors
Delays caused by the death occurring out of the country
Our firm conducts a thorough review of every claim and immediately contacts the insurer to begin building pressure. We don’t wait—we act.
Why Morgantown Families Trust The Lassen Law Firm
Focused solely on life insurance law, not distracted by other practice areas
25+ years of national experience, serving clients in all 50 states
Hundreds of millions recovered for wronged beneficiaries
No recovery, no fee, you pay nothing unless we win
Fast, aggressive, and personalized service with same-day evaluations
Recognized authority, featured in The Wall Street Journal
From Star City to Sabraton, we serve every corner of the Morgantown area with tenacity and care. Whether you're the named beneficiary or a potential claimant in a contested matter, we have the tools and experience to protect your rights.
Recent Case Results
$370,000 recovered in a claim denied based on alleged alcohol use that was irrelevant to the cause of death
$400,000 awarded to a daughter wrongfully removed as beneficiary after undue influence by a caregiver
$900,000 secured in an interpleader dispute between ex-spouse and new partner, resolved in favor of our client
Speak to a Morgantown Life Insurance Lawyer Today
If your life insurance claim has been delayed, denied, or contested, don't face the insurance company alone. The Lassen Law Firm offers experienced, aggressive representation to beneficiaries across Morgantown and beyond.
Call today for a free, confidential consultation. We’re ready to fight for you.
Written & Reviewed by Christian Lassen, Esq.
Nationally recognized life insurance lawyer with 25 years of experience and hundreds of millions recovered.
Quoted in The Wall Street Journal (May 17, 2025)
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!
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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 died overseas, and the insurer stalled the claim citing lack of documentation. The Lassen team got official death records from abroad, translated and authenticated them, and made the insurer pay. They truly handled everything.”- Patricia W.
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.