Tucson Life Insurance Lawyer
Christian Lassen, Esq. | Quoted in The Wall Street Journal | 25 Years Experience
Families in Tucson facing a denied life insurance claim often discover that insurers rely on exclusions, technical defenses, or alleged paperwork failures only after a death has occurred. These disputes are rarely simple and commonly involve accidental death provisions, lapse allegations, beneficiary conflicts, or employer sponsored coverage governed by federal law.
The Lassen Law Firm represents Tucson families and others across Arizona life insurance disputes involving private policies, group life insurance, and government backed benefits such as SGLI and FEGLI. 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 Tucson Clients Choose The Lassen Law Firm
Exclusive Focus
We handle only life insurance matters, including delayed life insurance claims, wrongful denials, and contested payouts.
Nationwide Reach
We assist Arizona families and out of state beneficiaries in cases involving private insurers, employer plans, and federal benefits.
Attorney Led Representation
Clients communicate directly with Christian Lassen from the beginning of the case through final resolution.
Case Results for Arizona Families
A Tucson widow denied benefits after an employer sponsored policy was terminated for alleged nonpayment. Review of notice requirements showed the insurer failed to comply, resulting in recovery under a life insurance claim denied due to lapse theory.
A military family in South Tucson denied benefits after an insurer rejected a beneficiary designation submitted before deployment. The matter was resolved through a denied SGLI claim challenge after reconstructing the administrative record.
A family in Oro Valley denied accidental death benefits following a recreational sports accident. Ambiguous policy language supported recovery under a denied AD&D claim analysis.
These examples illustrate common insurer defenses and how they are challenged.
Life Insurance Claim Types We Handle in Tucson
Accidental Death and Dismemberment Denials
We litigate denied AD&D claims involving allegations of risky behavior, substances, or non covered activities.
Policy Lapse Disputes
We examine billing records, grace periods, and employer conduct when a life insurance claim denied due to lapse is raised.
Application Misrepresentation Allegations
Insurers frequently rely on immaterial or outdated information to deny claims. We challenge these defenses with underwriting and medical records.
Contested Beneficiary Disputes
We represent rightful claimants in life insurance beneficiary disputes involving former spouses, adult children, or conflicting forms.
ERISA and Group Plan Denials
We assist clients with denied ERISA claims arising from employer sponsored life insurance common among Tucson area employers, universities, and public sector jobs.
Tucson Communities We Serve
We represent families throughout the greater Tucson area, including Catalina Foothills, Oro Valley, University Area, South Tucson, Midtown, Sam Hughes, Rita Ranch, Tucson Estates, and Drexel Heights.
Do I Need a Tucson 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 with insurer tactics, ERISA procedures, and benefit litigation, not physical office location.
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: 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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“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 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.
