Denver Life Insurance Lawyer
In Denver, where financial security matters as much as the mountain views, life insurance is meant to protect families during life’s most difficult moments. But when a claim is denied or delayed, the result is often legal confusion and financial stress. At The Lassen Law Firm, we represent beneficiaries across Denver and the surrounding communities in challenging wrongful denials and recovering the payouts they were promised.
Attorney Christian Lassen has more than 25 years of experience and has recovered hundreds of millions of dollars for clients across the United States. Whether you’re facing a denial involving a lapse, misrepresentation, or a disputed beneficiary form, we bring strategic legal support backed by a nationwide reputation.
Why Denver Clients Choose The Lassen Law Firm
Life Insurance Litigation Is All We Do
Every case involves life insurance — no other practice areas, no distractions.
Licensed in All 50 States
We handle private, employer-sponsored, and federal policy claims including FEGLI, SGLI, and VGLI.
Work Directly with Christian Lassen
Your case is handled by an experienced attorney, not passed off to support staff.
Recent Results for Colorado Beneficiaries
$230,000 paid to a family in Capitol Hill after a claim denial involving a missed premium. We showed the notice of lapse violated Colorado law.
$615,000 secured in Highlands Ranch following a denied AD&D claim. The insurer cited intoxication, but our experts proved otherwise.
$384,000 recovered for a federal worker in Stapleton whose FEGLI claim was denied due to incomplete paperwork. We forced the agency to reverse.
Common Life Insurance Disputes We Handle in Denver
Accidental Death Denials (AD&D)
We challenge exclusions involving alcohol, risk-based clauses, or criminal allegations. Many are misapplied or unsupported.
Lapse and Nonpayment Denials
We evaluate whether the insurer followed Colorado’s rules on grace periods and notice before canceling a policy.
Misrepresentation Claims
We push back against denials that rely on application errors that don’t relate to the cause of death or weren’t intentional.
Beneficiary Disputes and Interpleaders
We represent claimants in cases involving ex-spouses, adult children, caregivers, and others disputing who should receive the proceeds.
Federal and Military Life Insurance Claims
We help Denver-area families appeal denied FEGLI, SGLI, and VGLI claims after service-related or administrative issues.
Communities We Serve in and Around Denver
We assist clients throughout the entire Denver metro area, including:
Capitol Hill
Five Points
Sloan’s Lake
Cherry Creek
Highlands
Washington Park
Aurora
Lakewood
Englewood
Stapleton
Lowry
Berkeley
Green Valley Ranch
Wherever you’re located in the Mile High City or surrounding counties, we’re prepared to help you challenge an unfair denial and pursue full payment.
What You Can Expect from The Lassen Law Firm
Complete review of the life insurance policy and denial letter
Fast, strategic action to build your appeal or litigation plan
Personal attention from an experienced attorney
No out-of-pocket cost unless we recover compensation for you
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: 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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“They tried to connect my father’s death to an undisclosed pre-existing condition. Christian's firm reviewed the full medical file and showed it had no bearing. Within a month, we had the check.”- Susan B.
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.