Tucson Life Insurance Lawyer
In Tucson, where the Sonoran Desert meets rich culture and community, families dealing with life insurance claim denials often face a legal system stacked in favor of insurers. At The Lassen Law Firm, we help Tucson residents take control of their claim, challenge unfair denials, and recover the benefits their loved ones intended.
Led by nationally recognized attorney Christian Lassen, our firm focuses solely on life insurance litigation. With over 25 years of experience and hundreds of millions recovered, we serve families throughout Tucson with clarity, urgency, and legal strength.
Why Tucson Clients Choose The Lassen Law Firm
Exclusive Focus: We don’t dabble in other areas. We handle only life insurance claims and disputes.
Nationwide Reach: Licensed in all 50 states, we help clients in Arizona with both private policies and federal benefits.
Attorney-Led Representation: Clients speak and work directly with attorney Christian Lassen from day one.
Case Results for Arizona Families
$375,000 Northwestern Mutual for a Tucson widow after a lapse-related denial involving an employer policy through a regional healthcare system. The insurer failed to follow Arizona's notice requirements, and full benefits were paid.
$402,000 secured in an SGLI claim for a military family in South Tucson after the insurer rejected a beneficiary form submitted before deployment. We rebuilt the paper trail and resolved the matter.
$83,000 obtained for a family in Oro Valley after a Navy Mutual AD&D claim was denied following a recreational sports accident. We challenged the policy language and won payout under ambiguity rules.
Life Insurance Claim Types We Handle in Tucson
Accidental Death (AD&D) Denials: Often based on exclusions for risky behavior, substances, or non-covered activities. We dig into the details.
Policy Lapse Disputes: We investigate premium notices, grace periods, and employer conduct to determine if coverage was wrongly canceled.
Application Misrepresentation Claims: These are frequently used as a tactic to void payouts based on outdated or immaterial information.
Contested Beneficiary Disputes: These often involve former spouses, adult children, or conflicting claimants. We help rightful beneficiaries claim what’s theirs.
ERISA & Group Plan Denials: We represent clients with group life policies from Tucson-area employers, as well as federal workers and military families.
Tucson Communities We Serve
We represent clients across the greater Tucson area, including:
Catalina Foothills
Oro Valley
University Area
South Tucson
Midtown
Sam Hughes
Rita Ranch
Tucson Estates
Drexel Heights
Wherever you're located in the Old Pueblo, we bring deep legal knowledge and personal service to your case.
What to Expect From Our Life Claim Attorneys
Thorough legal review and claim strategy
Direct insurer communication
Federal and state litigation when necessary
Clear updates and unwavering advocacy
No Fee Unless We Recover for You
You never pay unless we win. Every consultation is free and fully confidential.
Call The Lassen Law Firm today 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 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
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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.