Fairbanks Life Insurance Lawyer
In Fairbanks, where remote Alaskan terrain meets a close-knit community, families often depend on life insurance policies as a critical safeguard. But when claims are denied or delayed, the legal process can feel just as harsh as the winter. At The Lassen Law Firm, we help Fairbanks residents take on the insurance companies and win.
Led by nationally recognized attorney Christian Lassen, our firm focuses exclusively on life insurance disputes. With over 25 years of experience and hundreds of millions recovered, we provide dedicated legal representation to clients across Alaska, including Fairbanks and surrounding areas.
Why Fairbanks Families Choose The Lassen Law Firm
Life Insurance Law Only: We don’t split our attention as our entire practice is devoted to life insurance claims and litigation.
Licensed Nationwide: We handle Alaska-based claims involving private, employer-provided, and government-issued life insurance.
Attorney-Led Advocacy: Every client communicates directly with attorney Christian Lassen throughout their case.
Recent Successes for Alaska Clients
$310,000 for a Fairbanks family after an AD&D policy denied benefits for a crash in the White Mountains. The insurer cited a prescription drug exclusion, which we challenged successfully.
$400,000 following a denied SGLI claim connected to a service member stationed at Fort Wainwright. A dispute over a beneficiary update was resolved through legal brief.
$520,000 after a lapse dispute involving a Fairbanks resident whose policy was terminated following misapplied premiums.. We proved the insurer failed to follow proper notice procedures.
Life Insurance Claim Types We Handle in Fairbanks
Accidental Death Denials (AD&D): Common in Alaska due to outdoor risks. We examine exclusion clauses and push back with evidence and legal interpretation.
Lapse and Grace Period Disputes: We evaluate whether insurers followed Alaska's laws regarding premium notices and terminations.
Application Misrepresentation Claims: These denials often arise from outdated health info or alleged omissions. We investigate and rebut these claims in full.
Contested Beneficiaries: We represent rightful claimants in cases involving old forms, divorce, or conflicting paperwork—often decades old.
Military and Federal Claims: We assist with SGLI, VGLI, and FEGLI disputes involving service members and retirees across Alaska.
Fairbanks Neighborhoods and Areas We Serve
We represent clients throughout Fairbanks and nearby communities, including:
University West
Hamilton Acres
Fort Wainwright
Aurora Subdivision
Goldstream
Chena Ridge
Downtown Fairbanks
North Pole
College
Whether your claim involves a major national insurer, a federal agency, or a regional provider, we have the experience to fight back and recover what you’re owed.
Our Legal Support Includes
Detailed policy review and legal strategy
Direct communication with insurers and agencies
Appeals, litigation, and interpleader resolution
Compassionate, consistent communication with clients
No Fees Unless We Win
There is no cost unless we recover benefits for you. Your consultation is free and confidential.
Call The Lassen Law Firm at 800-330-2274 to speak with attorney Christian Lassen about your Fairbanks life insurance claim.
Written & Reviewed by Christian Lassen, Esq.
National Life Insurance Attorney | 25+ Years of Experience
Quoted in The Wall Street Journal (May 17, 2025)
Last reviewed: June 10, 2025
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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“We were told the policy lapsed before my mother died. But we had receipts showing otherwise. Lassen Law Firm used them to force the company to honor the contract. They don’t mess around.”- David K.
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.