Sacramento Life Insurance Lawyer
In Sacramento, where historic roots meet the rhythm of state government and everyday life, families depend on life insurance for stability after loss. But when insurers delay or deny a claim, grieving loved ones often face legal barriers they didn’t anticipate. At The Lassen Law Firm, we help Sacramento residents recover life insurance benefits wrongfully withheld.
Led by nationally recognized attorney Christian Lassen, our firm focuses exclusively on life insurance litigation. With over 25 years of experience and hundreds of millions recovered nationwide, we bring strategic legal power and compassionate support to families throughout the Capital Region.
Why Sacramento Families Choose The Lassen Law Firm
Exclusive Focus: We handle only life insurance disputes, no general practice, no distractions.
Nationwide Experience: Whether the claim involves a California-based insurer or federal policy like FEGLI or SGLI, we’re licensed and equipped to fight anywhere.
Attorney-Directed: Every case is managed personally by Christian Lassen, not handed to junior staff.
Recent Results for Clients in Sacramento
$1 million for a family after a foreign death certificate was rejected in a case involving overseas travel. We authenticated the documentation and forced the insurer to honor the claim.
$351,000 in an ERISA group policy dispute involving a state agency employee. The insurer challenged the beneficiary designation, but we proved it was legally valid under plan terms.
$187,000 after an AD&D claim was denied due to a “self-inflicted injury” exclusion. We demonstrated the cause of death was accidental and unrelated to the exclusion language.
Sacramento Life Insurance Claim Types We Handle
Accidental Death Denials (AD&D): We challenge exclusions involving substance use, “risky behavior,” and vague policy clauses.
Lapse and Grace Period Disputes: We investigate whether notices were sent properly and whether coverage was unlawfully terminated.
Misrepresentation Accusations: Insurers often try to void policies over alleged application errors. We respond with documentation and legal precedent.
Contested Beneficiaries: We represent rightful claimants in disputes involving divorce, estate confusion, and last-minute changes.
Federal and Group Policy Denials: We assist government workers, educators, and union members across Sacramento with complex ERISA and federal benefit claims.
Sacramento Communities We Serve
We proudly represent clients throughout Sacramento County, including:
Downtown Sacramento
Midtown
East Sacramento
Land Park
Oak Park
Natomas
Arden-Arcade
South Sacramento
Tahoe Park
Elk Grove
Whether your case involves Zurich, Mutual of Omaha, Colonial Life, or a government policy, we know how to challenge denials and deliver results.
What You Can Expect
Detailed policy analysis and claim review
Direct communication with insurers
Federal and state litigation when necessary
Clear guidance and responsive legal support
No Fees Unless We Recover for You
We never charge fees unless we win your case. Consultations are free and confidential.
Call The Lassen Law Firm today at 800-330-2274 to speak 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 accused my husband of intentionally misleading the insurer about a health issue. I was devastated. The Lassen team gathered the medical history, showed it was an honest mistake, and forced a reversal of the denial.”- Maria G.
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.