Kenosha Life Insuance Lawyer
In Kenosha, a picturesque city along the shores of Lake Michigan, known for its scenic harbor, historic charm, and strong community ties, life insurance issues often surface at the worst possible time. When a claim is unfairly denied, delayed, or tied up in a dispute, grieving families in Kenosha are left fighting for the financial protection their loved one intended.
At The Lassen Law Firm, we help beneficiaries throughout Kenosha County recover the life insurance proceeds they are rightfully owed. Whether you live near the vibrant Downtown area, peaceful Simmons Island, or anywhere in between, we deliver aggressive, trusted legal representation to resolve your claim efficiently and effectively.
Beneficiary Disputes Are Common in Kenosha—And We Win Them
One of the most common life insurance issues we handle in Wisconsin involves disputed beneficiaries. These cases often include:
Conflicts between current and former spouses
Children contesting recent changes to the beneficiary
Alleged forgery or lack of capacity when changes were made
Disputes arising from divorce settlements or outdated designations
We know how to resolve these cases fast. Whether you're defending your rights as the named beneficiary or contesting a suspicious change, we will fight for your rightful claim.
Denied Life Insurance Claims in Wisconsin: What You Need to Know
Kenosha residents often reach out after a denial letter from the insurance company, citing:
Material misrepresentation on the application
Policy lapse due to non-payment
Denial based on alleged suicide or excluded risk
Group policy issues related to employment status
We review the full history, gather evidence, and force insurance companies to honor their obligations no matter how complex the case.
Real Life Insurance Recoveries, Real Results
We serve clients in all 50 states and focus exclusively on life insurance law. Our firm has recovered hundreds of millions of dollars for beneficiaries, including many right here in the Midwest.
Recent Wins:
$200,000 recovered for a Kenosha-area widow after the insurer claimed her husband failed to disclose a prior medical condition
$140,000 secured in a heated beneficiary dispute between two children from separate marriages
$350,000 paid after a group life claim was denied based on alleged lapse reversed with employment records and policy documents
We charge no fee unless we win and initial consultations are always free.
Talk to a Kenosha Life Insurance Lawyer Today
Whether your claim has been denied or you're in the middle of a beneficiary dispute, don’t go it alone. Let us protect your rights and fight for the benefits your loved one intended you to receive.
Free consultation. No recovery, no fee.
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!
-
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
-
“They alleged policy fraud and said they wouldn’t pay. But Christian Lassen’s firm uncovered emails showing the insurer had approved everything months earlier. They settled the case quietly and quickly once the truth came out.”- Linda T.
Why The Lassen Law Firm Is Different
-
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.
-
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.
-
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.
-
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.