Mesa Life Insurance Lawyer
Christian Lassen, Esq. | Quoted in The Wall Street Journal | 25 Years Experience
Families in Mesa facing a denied life insurance claim often discover that insurers rely on exclusions, administrative errors, or technical defenses that only appear after a death has occurred. These disputes commonly involve alleged policy lapses, accidental death exclusions, beneficiary conflicts, or employer sponsored coverage governed by federal law.
The Lassen Law Firm represents Mesa families and others across Arizona life insurance disputes involving private policies, employer sponsored group plans, and government backed benefits such as SGLI and VGLI. Our practice is devoted exclusively to life insurance law.
Attorney Christian Lassen, Esq. has more than 25 years of experience handling life insurance litigation nationwide and has been quoted by The Wall Street Journal on insurance related legal issues. Clients work directly with him throughout the claim, appeal, or litigation process.
Why Mesa Clients Choose The Lassen Law Firm
Focused Practice
We handle only life insurance matters, including delayed life insurance claims, wrongful denials, and contested beneficiary disputes.
Nationwide Reach
We represent Arizona families and out of state beneficiaries in cases involving private insurers, ERISA governed plans, and military benefit programs.
Direct Attorney Access
Clients work one on one with Christian Lassen from initial review through final resolution.
Successful Outcomes for Arizona Clients
A Mesa family denied benefits after an employer sponsored group life policy was terminated during a hospital stay. Review of continuation and notice requirements resulted in recovery under a life insurance claim denied due to lapse theory.
An accidental death claim denied under an intoxication exclusion following a recreational vehicle crash near Falcon Field. Ambiguous toxicology findings supported recovery under a denied AD&D claim analysis.
A veteran from Eastmark denied benefits after a VGLI application was marked incomplete. Federal review established intent to enroll, resulting in payment under a denied VGLI claim challenge.
These examples reflect common insurer defenses and how they are challenged.
Life Insurance Disputes We Handle in Mesa
Accidental Death and Dismemberment Denials
We litigate denied AD&D claims involving allegations of risky activity, alcohol use, or unclear causes of death.
Policy Lapse or Nonpayment Allegations
We examine billing records, grace periods, and employer conduct when a life insurance claim denied due to lapse is raised.
Application Misrepresentation Claims
Insurers frequently rely on immaterial or outdated application information to deny claims. We challenge these defenses with underwriting and medical records.
Beneficiary Disputes
We represent rightful claimants in life insurance beneficiary disputes involving divorced spouses, stepchildren, or last minute policy changes.
ERISA and Military Benefit Denials
We assist clients with denied ERISA claims as well as denied VGLI claims affecting Mesa area veterans and government workers.
Mesa Neighborhoods and Communities We Serve
We represent clients throughout Mesa and the East Valley, including Downtown Mesa, Las Sendas, Red Mountain Ranch, Dobson Ranch, Eastmark, Alta Mesa, Superstition Springs, Sunland Village, and Lehi.
Do I Need a Mesa Based Lawyer for a Life Insurance Claim
Life insurance disputes are governed by contract law and federal statutes rather than local courtroom appearances. What matters most is experience handling insurer tactics, ERISA procedures, and benefit litigation, not physical office location.
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: Jan 19, 2026
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 tried to connect my father’s death to an undisclosed pre-existing condition. Christian's firm reviewed the full medical file and showed it had no bearing. Within a month, we had the check.”- Susan B.
Why The Lassen Law Firm Is Different
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Proven National Results
With over two decades of exclusive focus on life insurance litigation, we’ve helped thousands of families recover wrongfully denied benefits. Our reputation for fast, strategic resolutions has made us a trusted national resource for complex claim disputes.
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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.
