Mesa Life Insurance Lawyer
In Mesa, where East Valley growth meets deep Arizona roots, families often turn to life insurance policies to ensure long-term security. But when claims are denied or delayed, that sense of security can vanish overnight. At The Lassen Law Firm, we help Mesa residents challenge wrongful denials, clarify confusing policy issues, and recover the life insurance benefits they’re rightfully owed.
Led by attorney Christian Lassen, our firm focuses exclusively on life insurance disputes. With over 25 years of experience and hundreds of millions recovered for clients nationwide, we’re proud to serve the Mesa community with dedication, legal insight, and real results.
Why Mesa Clients Choose The Lassen Law Firm
Laser-Focused Practice: We handle only life insurance claims, no personal injury, no family law, no distractions.
Licensed Nationwide: We take on cases involving private policies, ERISA plans, and military benefits across Arizona and the U.S.
Direct Attorney Access: Clients work one-on-one with attorney Christian Lassen from initial review through resolution.
Successful Outcomes for Arizona Clients
$128,000 for a Mesa family after a group life policy was wrongfully terminated during a hospital stay. The employer failed to notify the insured of COBRA continuation rights.
$105,000 in an AD&D claim denied under an “intoxication” exclusion after a recreational vehicle crash near Falcon Field. Toxicology results were inconclusive, and we proved the clause was misapplied.
$400,000 in a VGLI case involving a veteran from Eastmark whose application was marked incomplete. We established intent to enroll and secured full payout after federal review.
Life Insurance Disputes We Handle in Mesa
Accidental Death & Dismemberment Denials (AD&D): We challenge denials based on risky activity, alcohol, or unclear causes of death.
Policy Lapse or Nonpayment Claims: Insurers often terminate coverage improperly. We examine whether legal notice and grace periods were followed under Arizona law.
Misrepresentation Allegations: These denials often rely on minor or irrelevant application details. We expose weak insurer justifications.
Beneficiary Disputes: We represent claimants in cases involving divorced spouses, stepchildren, or last-minute policy changes.
ERISA & Military Benefit Denials: Including employer-sponsored plans, SGLI, and VGLI coverage for Mesa-area veterans and government workers.
Mesa Neighborhoods and Communities We Serve
We proudly represent clients across Mesa and the East Valley, including:
Downtown Mesa
Las Sendas
Red Mountain Ranch
Dobson Ranch
Eastmark
Alta Mesa
Superstition Springs
Sunland Village
Lehi
Whether your case involves a national carrier or a military benefit provider, we bring the legal strength and clarity you need to recover your claim.
What You Can Expect From Our Firm
Complete legal review and documentation strategy
Skilled insurer communication and negotiation
Federal and Arizona-based litigation support
Direct updates from an attorney who knows your case
No Fees Unless You Get Money
We never charge unless we recover benefits for you. Consultations are always free and confidential.
Call The Lassen Law Firm at 800-330-2274 to speak directly with attorney Christian Lassen.
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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“They accused my husband of intentionally misleading the insurer about a health issue. I was devastated. The Lassen team gathered the medical history, showed it was an honest mistake, and forced a reversal of the denial.”- Maria G.
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.