Fresno Life Insurance Lawyer
In Fresno, the heart of California’s Central Valley, families rely on life insurance to protect their future. But when a claim is denied or delayed, the financial burden can add to an already overwhelming time. At The Lassen Law Firm, we help Fresno residents recover denied life insurance benefits—quickly, effectively, and with no upfront fees.
Attorney Christian Lassen has handled life insurance disputes nationwide for over 25 years, recovering hundreds of millions for beneficiaries. Whether your claim involves a lapse, exclusion, or disputed beneficiary, we know how to fight back and win.
Why Fresno Clients Trust The Lassen Law Firm
Exclusive Focus: Life insurance law is all we do, every denial, every dispute, every day.
Nationwide Reach, Local Insight: We represent clients in California and across all 50 states, including group, private, and federal claims.
Attorney-Handled Cases: You’ll work directly with attorney Christian Lassen, no call centers or middlemen.
Real Results for Central Valley Families
$111,000 in a Transamerica denial after an application was flagged for a misstatement. We proved the information had no bearing on insurability and forced full payment.
$72,000 for a client in the Tower District after Old American denied a claim based on an incorrect date of birth. We used the original policy file to compel payout.
$289,000 following a denied accidental death claim near Clovis. The insurer cited a drug exclusion, but we challenged the toxicology interpretation and won.
Types of Life Insurance Claims We Handle in Fresno
Accidental Death Denials (AD&D): Including exclusions for alcohol, medications, or “hazardous activity.” We evaluate every clause and push back on misapplied rules.
Lapse and Grace Period Issues: We investigate whether insurers followed California’s legal requirements before terminating policies.
Application Misrepresentation Allegations: These denials often rely on outdated or immaterial health records. We gather the facts and build a defense.
Contested Beneficiaries: We represent rightful claimants in cases involving divorces, unprocessed changes, or multiple competing parties.
Federal and Employer-Sponsored Policy Denials: Including SGLI, FEGLI, and ERISA claims tied to agricultural employers, healthcare systems, or public sector jobs in Fresno County.
Areas We Serve in Fresno County
We assist clients throughout Fresno and nearby Central Valley communities, including:
Tower District
Fig Garden
Clovis
Kingsburg
Reedley
Fresno High area
Sunset
East Central Fresno
Roosevelt
Sunnyside
Whether you're dealing with a denial from Guardian, Primerica, Colonial Penn, or a government policy, we bring experience, strategy, and results to the table.
What to Expect from Our Firm
Complete case and policy review
Insurer correspondence and appeals
Litigation when necessary
Straightforward updates and personal service
No Fees Unless We Win
You pay nothing unless we recover money for you. Consultations are always free and 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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“My mom died after a non-traditional medical procedure, and the insurer refused to pay. Lassen Law proved the treatment had nothing to do with the cause of death. They fought like it was their own family involved.”- Emily N.
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.