Pheonix Life Insurance Lawyer
In Phoenix, Arizona’s thriving desert metropolis, families facing denied or delayed life insurance claims often encounter a frustrating and confusing process. At The Lassen Law Firm, we help Phoenix residents secure the benefits they are owed whether those claims involve accidental death, contested beneficiaries, or alleged policy lapses.
With over 25 years of exclusive experience in life insurance law and hundreds of millions recovered nationwide, attorney Christian Lassen represents clients in Phoenix and throughout Maricopa County with strategic precision and a commitment to results.
Why Phoenix Clients Choose The Lassen Law Firm
Focused Expertise: We handle only life insurance cases, no family law, no criminal law, no distractions.
National Reach: Licensed in all 50 states, we represent both Arizona policyholders and out-of-state beneficiaries.
Attorney-Led Cases: Clients work directly with Christian Lassen from the start of their claim through resolution.
Proven Results for Arizona Clients
$182,000 Pacific Life for a Phoenix widow after a group policy denial involving a major regional healthcare provider. The insurer claimed the policy lapsed during a medical leave. We proved the client was protected under continuation-of-coverage rules.
$550,000 Aflac after an AD&D claim was denied following a fatal hiking fall in the Superstition Mountains. The insurer tried to invoke an “hazardous activity” exclusion. We overturned the denial with expert input.
$295,000 Penn Mutual for a Tempe family after a private insurer alleged a misrepresentation on a diabetes diagnosis. Medical records revealed the policyholder disclosed the condition properly during underwriting.
Types of Life Insurance Disputes We Handle in Phoenix
Accidental Death Denials (AD&D): Including exclusions related to drug or alcohol use, criminal allegations, or outdoor risks.
Lapse Disputes and Missed Premiums: We investigate whether Arizona notice requirements were followed before terminating policies.
Misrepresentation Allegations: Insurers often deny claims based on vague or immaterial discrepancies in the application process.
Contested Beneficiaries: We represent rightful beneficiaries in disputes involving ex-spouses, unclear forms, or suspected fraud.
ERISA and Group Policy Denials: We assist clients with claims involving employer-provided coverage, including tech, healthcare, and public sector jobs in Phoenix.
Phoenix Neighborhoods and Communities We Serve
We help clients throughout the Phoenix metro area, including:
Arcadia
Central City
Paradise Valley
Ahwatukee
South Mountain
Camelback East
Desert Ridge
North Phoenix
Tempe
Glendale
Whether you live in the city center or the surrounding suburbs, our firm has the knowledge and experience to help you fight back and recover what’s rightfully yours.
What You Can Expect
Detailed legal review and claim strategy
Clear communication and insurance correspondence
Federal and state litigation when needed
A personalized approach with national firepower
No Fees Unless Recovery
We don’t charge legal fees unless we recover money for you. Your consultation is always free and confidential.
Call The Lassen Law Firm at 800-330-2274 today 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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“The company claimed my dad died during a criminal act and denied the policy. Christian’s firm conducted their own investigation, cleared his name, and the benefit was paid in full. They didn’t back down.”- Steven
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.