Colorado Springs Life Insurance Lawyer
Christian Lassen, Esq. | Quoted in The Wall Street Journal | 25 Years Experience
Families in Colorado Springs often assume life insurance benefits will be released quickly once a death occurs. Instead, many are met with investigations, exclusions, or competing claims that delay payment for months. These issues are especially common in a city shaped by military service, federal employment, and outdoor recreation. Many families contact us only after receiving a denied life insurance claim that raises issues never mentioned while the policyholder was alive.
The Lassen Law Firm represents Colorado Springs 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 Commonly Stall in Colorado Springs
Life insurance disputes in Colorado Springs often arise from:
Accidental death investigations tied to hiking, climbing, or falls
Military and federal employment policies governed by rigid administrative rules
Alleged policy lapses following deployment, relocation, or medical leave
Beneficiary disputes involving former spouses, caregivers, or last minute changes
Insurers frequently rely on delay and procedural complexity rather than paying valid claims.
How Colorado Springs Life Insurance Disputes Are Decided
Many Colorado Springs life insurance claims are governed by federal law when coverage is provided through the military or an employer. ERISA cases and federal benefit claims follow strict procedural rules that can permanently limit evidence if deadlines are missed.
Understanding how these rules work is often the difference between recovery and a final denial.
Examples of Colorado Springs Life Insurance Disputes We Have Resolved
A family denied accidental death benefits after an insurer relied on a vague activity exclusion following a fall near Garden of the Gods. Evidence supported recovery under a denied AD&D claim analysis.
A Broadmoor area policyholder denied benefits after an insurer declared the policy lapsed. Review of notice and grace period requirements supported recovery under a life insurance claim denied due to lapse strategy.
A beneficiary dispute involving competing claimants where the insurer refused to decide who should be paid. Litigation resolved the matter through a life insurance interpleader action outcome.
These examples reflect common insurer defenses and how they are challenged rather than guaranteed outcomes.
The Types of Life Insurance Claims We Handle in Colorado Springs
Accidental Death and Dismemberment Claims
We litigate denied AD&D claims involving alleged intoxication, outdoor activity exclusions, or disputed causes of death.
Policy Lapse and Nonpayment Disputes
We examine billing records, grace periods, and notice compliance when a life insurance claim denied due to lapse is raised.
Application Misrepresentation Allegations
Insurers often rely on immaterial or outdated application information. We challenge these denials using underwriting and medical records.
Beneficiary Conflicts and Interpleader Actions
We represent families in life insurance beneficiary disputes and insurer filed life insurance interpleader lawsuits involving competing claims.
Federal and Military Benefit Denials
We assist Colorado Springs families with denied ERISA claims, denied FEGLI claims, denied SGLI claims, and denied VGLI claims.
Communities We Serve Around Colorado Springs
We represent clients throughout El Paso County and surrounding areas, including Downtown Colorado Springs, Old Colorado City, Briargate, Northgate, Cimarron Hills, Broadmoor, Rockrimmon, the Powers Corridor, Security Widefield, Woodland Park, Falcon, and Manitou Springs.
Do I Need a Colorado Springs 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, military benefit rules, ERISA procedures, and interpleader litigation, not office location.
Free Consultation with No Obligation
Call The Lassen Law Firm today at 800-330-2274 to speak directly with attorney Christian Lassen. We will review your case, explain your rights, and map out the best path forward.
Written & Reviewed by Christian Lassen, Esq.
National Life Insurance Attorney | 25+ Years 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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“Apparently, there were so-called inconsistencies on the application. The insurer used that as an excuse to avoid paying. Thankfully, Lassen Law stepped in and proved everything had been disclosed accurately. Claim paid.”- Rebecca M.
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.
