Colorado Springs Life Insurance Lawyer
In Colorado Springs, where the beauty of Pikes Peak meets a community built on resilience, life insurance is supposed to offer peace of mind not legal frustration. But when claims are delayed or wrongfully denied, grieving families are often left to navigate complex insurance laws alone. At The Lassen Law Firm, we represent beneficiaries throughout Colorado Springs in recovering the payouts they are rightfully owed.
Led by attorney Christian Lassen, a nationally recognized life insurance lawyer with over 25 years of experience, our firm has recovered hundreds of millions for clients across the country. Whether your claim involves a lapse, exclusion, or contested beneficiary, we provide the skilled representation and local understanding that Colorado Springs families need.
Why Colorado Springs Clients Choose The Lassen Law Firm
Life Insurance Is All We Do
We handle only life insurance litigation—nothing else. That focus brings sharper strategy and faster action.
Licensed Nationwide, Trusted Locally
We litigate policies from all insurers, including employer-sponsored, private, and federal claims like FEGLI and SGLI.
You Work Directly with Christian Lassen
You won’t be handed off to junior staff. Every case is managed by an experienced attorney from start to finish.
Recent Results for Colorado Clients
$487,000 secured for a family near Old Colorado City after a denied AD&D claim involving a fall at Garden of the Gods. We proved the insurer misused an activity exclusion.
$218,000 paid out to a client in the Broadmoor area after a lapse denial. Our team demonstrated that the insurer failed to meet Colorado’s required grace period procedures.
$590,000 recovered from an interpleader dispute in Northgate involving two competing beneficiary claims. We resolved the issue in El Paso County.
Colorado Springs Life Insurance Claim Types We Handle
Denied Accidental Death Claims (AD&D)
We challenge denials involving alcohol use, high-risk activities, or vague exclusions. Many of these are applied unfairly or without proper evidence.
Lapsed Policies and Nonpayment Denials
We investigate whether policyholders received timely lapse notices and whether employers fulfilled their legal obligations under ERISA.
Misrepresentation Allegations
Insurers may try to void policies based on application errors. We defend these claims aggressively using expert testimony and statutory protections.
Contested Beneficiary Situations
We represent clients in disputes involving ex-spouses, caregiver influence, or changes made while the insured was incapacitated.
Federal and Military Coverage Denials
We appeal denied claims under FEGLI, SGLI, and VGLI programs for military families and federal workers in the Colorado Springs area.
Areas We Serve in Colorado Springs
We provide legal help to families across El Paso County, including:
Downtown Colorado Springs
Old Colorado City
Briargate
Northgate
Cimarron Hills
Broadmoor
Powers Corridor
Rockrimmon
Security-Widefield
Woodland Park
Falcon
Manitou Springs
Whether your claim was denied by a national insurer, a group plan, or a federal agency, we are here to fight for your rights and the financial support your family depends on.
What You Can Expect from Our Firm
In-depth review of your policy and denial letter
Timely and aggressive action
Expert support and court-tested strategies
No upfront cost and no fee unless we recover payment for you
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: 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!
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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 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.