Aurora Life Insurance lawyer
In Aurora, where vibrant neighborhoods meet scenic views of the Front Range, life insurance should offer families financial stability not frustration. But when benefits are denied or delayed, grieving families are left without the support they were promised. At The Lassen Law Firm, we focus exclusively on life insurance litigation, helping Aurora residents recover payouts after wrongful claim denials.
Attorney Christian Lassen brings over 25 years of experience in life insurance law, with hundreds of millions recovered for clients across the country. Whether your claim involves a lapse, an AD&D exclusion, or a contested beneficiary, we provide trusted legal representation rooted in compassion, precision, and results.
Why Aurora Families Trust The Lassen Law Firm
Exclusively Life Insurance Law
We don’t split our focus across other practice areas. Every case we take involves life insurance no exceptions.
Nationwide Power, Local Focus
Our firm handles policies from all insurers, including employer-sponsored ERISA plans and federal coverage like FEGLI and SGLI.
Direct Access to a Senior Attorney
You won’t be passed off to a junior associate or paralegal. Every case is led by Christian Lassen personally.
Recent Results for Colorado Clients
$301,000 secured after a denied AD&D claim involving a motorcycle accident in Central Aurora. We proved intoxication was not a factor and forced the payout.
$490,000 recovered in Southeast Aurora after an insurer denied a policy based on alleged nonpayment. Our investigation revealed procedural violations in lapse notification.
$150,000 payout obtained for a family near Buckley Space Force Base after a disputed FEGLI claim. We used federal appeal channels to reverse the denial.
Types of Life Insurance Denials We Handle in Aurora
Accidental Death Denials (AD&D)
We challenge denials that cite exclusions for alcohol, drugs, or risky behavior. Insurers frequently misuse these to avoid paying.
Policy Lapse and Nonpayment
Was a proper lapse notice sent? Did the employer meet ERISA obligations? We investigate every step and challenge illegal denials.
Misrepresentation Disputes
Insurers may claim the policy application was inaccurate. We push back with legal precedent and factual analysis.
Contested Beneficiaries
We handle disputes involving recent changes, questionable designations, or allegations of undue influence.
Federal and Military Policy Denials
We represent Aurora-area veterans, federal employees, and military families facing denied SGLI, FEGLI, and VGLI claims.
Aurora Neighborhoods We Serve
We help clients throughout Arapahoe, Adams, and Douglas counties, including:
Central Aurora
Southeast Aurora
Tollgate Overlook
Sable Ridge
Cherry Creek District
Morris Heights
Heather Gardens
Aurora Highlands
Hoffman Heights
City Center North
Near Buckley Space Force Base
East Colfax Corridor
Whether your claim involves a national insurer or a government policy, we bring aggressive advocacy and deep legal knowledge to every case.
What Sets Our Firm Apart
We investigate every denial in detail
We draft powerful appeals and negotiate directly with insurers
We litigate when necessary in Colorado and federal courts
We keep you informed and involved at every stage
You pay nothing unless we win your case
Get Help Today from an Aurora Life Insurance Lawyer
The insurance company has its legal team. You should have yours. Call The Lassen Law Firm today at 800-330-2274 for a free consultation. We’ll review your case, explain your rights, and begin building a strategy to recover your full benefits.
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 11, 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!
-
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.
-
No. In most states, insurers must send a written notice of overdue premiums and warn of pending lapse before terminating coverage.
-
The policy may still be enforceable. Beneficiaries can challenge the lapse based on the insurer’s failure to provide required notice.
-
Yes. If the insured dies during the grace period, the policy is still considered active, and benefits should be paid.
-
Yes. In group life insurance policies, employers sometimes fail to forward premiums properly, leading to wrongful lapse denials.
-
Yes. If automatic payment setups fail through no fault of the insured, lapses may be challenged.
-
Some policies automatically borrow against cash value to cover missed payments. Failure to apply this correctly can lead to wrongful lapse claims.
-
Possibly. Some courts excuse nonpayment if the insured was mentally incapacitated and missed premiums without proper notice.
-
No. Reinstatement must occur while the insured is alive, but wrongful lapse denials can still be challenged posthumously.
-
Not without following strict notice and grace period rules. Beneficiaries can often challenge technical denials.
-
Deadlines vary by state, but it’s critical to act within 1 to 5 years depending on the policy and jurisdiction.
-
Not necessarily. Payments mailed within grace periods or accepted by insurers may keep coverage active.
-
Bank records, payment receipts, insurer correspondence, and premium notices are key evidence.
-
If the insurer used an outdated address despite updated information, lapse denials can often be overturned.
-
Possibly. If the insured submitted a reinstatement application before death, it may help challenge a lapse denial.
-
In some states, special grace periods and protections applied during COVID-19 emergencies. They can help fight wrongful lapses.
-
Only if the insurer followed all legal notice and grace period requirements. Otherwise, beneficiaries may still recover.
-
Misapplied premiums can lead to wrongful lapses — and courts often hold insurers accountable for these errors.
-
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
-
“The insurer said there was a misstatement in the application and flat-out denied the claim. I contacted the Lassen Law Firm, and they immediately launched a legal challenge. In the end, they got the full benefit paid without me even stepping into a courtroom.”- Karen D.
Why The Lassen Law Firm Is Different
-
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.
-
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.
-
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.
-
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.