Aurora Life Insurance lawyer
Christian Lassen, Esq. | Quoted in The Wall Street Journal | 25 Years Experience
Families in Aurora often find themselves dealing with multiple insurers, employers, or benefit administrators at once. That complexity is one of the reasons life insurance claims tied to Aurora are frequently delayed or denied. Many families reach out only after receiving a denied life insurance claim that cites exclusions, paperwork defects, or missed deadlines that were never explained before a death occurred.
The Lassen Law Firm represents Aurora families and others across Colorado life insurance disputes involving private policies, employer sponsored group coverage, and federal benefit programs. 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 from initial review through appeal or litigation.
Why Life Insurance Claims from Aurora Are Often Challenged
Aurora life insurance disputes commonly involve:
Employer sponsored coverage affected by job changes or medical leave
Accidental death investigations tied to vehicle or motorcycle accidents
Alleged policy lapses caused by billing or notice failures
Federal and military policies governed by rigid administrative rules
Beneficiary disputes involving blended families or recent designation changes
Insurers often rely on procedural defenses rather than addressing whether coverage actually existed.
How Aurora Life Insurance Disputes Are Decided
Many Aurora life insurance claims fall under federal law because coverage is provided through an employer or government position. ERISA claims and federal benefit appeals follow strict procedural rules that can permanently limit evidence if mistakes are made early.
Understanding when evidence must be submitted and how insurers use deadlines is often the difference between recovery and a final denial.
Examples of Aurora Life Insurance Disputes We Have Resolved
A Central Aurora family denied accidental death benefits after an insurer relied on an intoxication exclusion following a motorcycle crash. Expert review supported recovery under a denied AD&D claim strategy.
A Southeast Aurora policyholder denied benefits after an insurer declared the policy lapsed for nonpayment. Review of notice requirements supported recovery under a life insurance claim lapse analysis.
A military family near Buckley Space Force Base denied benefits after a paperwork based rejection. Administrative advocacy supported recovery under a denied FEGLI claim challenge.
These examples reflect common insurer defenses and how they are challenged rather than guaranteed outcomes.
The Types of Life Insurance Cases We Handle for Aurora Families
Accidental Death and Dismemberment Claims
We litigate denied AD&D claims involving disputed accident classifications, alleged intoxication, or risk related exclusions.
Policy Lapse and Nonpayment Allegations
We examine billing records, grace periods, and notice compliance when a life insurance claim denied due to lapse is raised.
Application Misrepresentation Accusations
Insurers often rely on immaterial or outdated application information. We challenge these denials with underwriting and medical records.
Beneficiary Conflicts and Interpleader Lawsuits
We represent families in life insurance beneficiary conflicts and insurer filed life insurance interpleader actions involving competing claims.
Federal and Military Benefit Denials
We assist Aurora families with denied ERISA life insurance claims, denied SGLI claims, denied VGLI claims, and denied FEGLI claims.
Communities We Serve Across Aurora
We represent clients throughout Aurora and surrounding areas across Arapahoe, Adams, and Douglas counties, including Central Aurora, Southeast Aurora, Tollgate Overlook, Sable Ridge, the Cherry Creek District, Heather Gardens, Aurora Highlands, Hoffman Heights, City Center North, the East Colfax Corridor, and neighborhoods near Buckley Space Force Base.
Do I Need an Aurora 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 handling insurer defenses, ERISA procedures, military benefit rules, and interpleader litigation, not office location.
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: Jan 19, 2026
Colorado Required Disclaimer: “Clients may be responsible for costs and expenses of litigation. Contingent fees are not permitted in criminal or certain family law matters.”
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 husband didn’t list a prior policy cancellation, and they used that to deny our claim. Lassen Law proved it was irrelevant and unrelated to the cause of death. We received the benefit without a prolonged legal battle.”- Daniel S.
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.
