Denver Life Insurance Lawyer
Christian Lassen, Esq. | Quoted in The Wall Street Journal | 25 Years Experience
Families in Denver often assume that once a loved one passes, life insurance benefits will be released as a matter of course. Instead, many encounter silence, repeated document requests, or a formal denied life insurance claim that raises issues never mentioned while the policyholder was alive. These disputes are especially common in Colorado, where insurers frequently rely on lapse notices, accident classifications, or administrative technicalities.
The Lassen Law Firm represents Denver families and others across Colorado life insurance disputes involving private life insurance, 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.
What Triggers Life Insurance Denials in Denver
Life insurance disputes in the Denver area often begin with:
Missed or allegedly late premium payments tied to address or billing changes
Accidental death investigations involving toxicology or activity exclusions
Employer sponsored coverage affected by job transitions or leave
Federal employee and military policies delayed over paperwork or timing issues
Insurers frequently rely on process based defenses rather than the policyholder’s actual coverage.
Where Denver Life Insurance Claims Go Wrong
Many Denver claims are governed by federal law when coverage comes through an employer or government position. ERISA claims and federal benefit disputes follow strict procedural rules that can permanently limit evidence if not handled correctly from the outset.
Understanding when evidence must be submitted and how insurers exploit deadlines is often the difference between recovery and permanent denial.
Examples of Colorado Life Insurance Disputes We Have Resolved
A Capitol Hill family denied benefits after an insurer declared the policy lapsed for nonpayment. Review of notice requirements supported recovery under a life insurance claim denied due to lapse analysis.
A Highlands Ranch family denied accidental death benefits after the insurer alleged intoxication. Expert review supported recovery under a denied AD&D claim challenge.
A federal employee’s spouse denied benefits after a paperwork based rejection. Administrative advocacy supported recovery under a denied FEGLI claim strategy.
These examples illustrate common insurer defenses and how they are challenged rather than guaranteed outcomes.
The Types of Life Insurance Cases We Handle in Denver
Accidental Death and Dismemberment Claims
We litigate denied AD&D claims involving disputed accident classifications, alleged intoxication, or criminal conduct 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 disputes and insurer filed life insurance interpleader actions involving competing claims.
Federal and Military Benefit Denials
We assist Denver families with denied ERISA life claims, denied SGLI claims, denied VGLI claims, and denied FEGLI claims.
Communities We Serve Across the Denver Metro Area
We represent clients throughout Denver and surrounding communities, including Capitol Hill, Five Points, Sloan’s Lake, Cherry Creek, the Highlands, Washington Park, Aurora, Lakewood, Englewood, Stapleton, Lowry, Berkeley, and Green Valley Ranch.
Do I Need a Denver Based Lawyer for a Life Insurance Claim
Life insurance disputes are governed by contract law and federal statutes, not local courtroom appearances. What matters most is experience handling insurer defenses, ERISA procedures, and federal benefit rules, not where the lawyer’s office is located.
Consultations Are Free. You Only Pay If We Win.
Call The Lassen Law Firm at 800-330-2274 to speak with Christian Lassen about your life insurance claim. We’ll review your case and help you decide the next best step.
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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“The insurer said the activity my father was doing at the time of his death wasn’t covered. Lassen reviewed the policy and showed there was no such exclusion. They got it paid out without a lawsuit.”- Deborah L.
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.
