Boise Life Insurance Lawyer
In Boise, where the foothills meet the frontier spirit, life insurance should be a source of financial peace, not another obstacle during a time of grief. But when insurance companies deny or delay claims, the impact on families can be devastating. At The Lassen Law Firm, we represent Boise residents with one clear goal: getting your life insurance claim paid in full and as fast as possible.
Whether you're near the Boise River Greenbelt, in the historic North End, or in the growing Meridian suburbs, we bring aggressive representation and trusted legal experience to every corner of the Treasure Valley. Attorney Christian Lassen has recovered hundreds of millions of dollars in wrongfully denied claims for families across the country including right here in Idaho.
Why Boise Clients Choose The Lassen Law Firm
We Handle Life Insurance Cases Exclusively
No distractions, no dabbling, our entire practice is dedicated to fighting life insurance denials.
Serving All 50 States, Trusted Nationwide
We handle Idaho-based insurers, ERISA group plans, and federal policies like SGLI and FEGLI.
Attorney-Led From Start to Finish
You’ll work directly with Christian Lassen, not shuffled to an intake assistant or case manager.
No Fee Unless You Win
If we don’t recover money for you, you owe us nothing.
Life Insurance Disputes We Handle in Boise
Lapse or Nonpayment Denials
We investigate whether proper premium notices were sent under Idaho law and hold insurers accountable for administrative errors.
Accidental Death Denials (AD&D)
When insurers cite drug use, risky activity, or medical conditions, we scrutinize the evidence and challenge overbroad exclusions.
Contestability Period Denials
Most policies can be contested within the first two years, our firm specializes in dismantling alleged misrepresentations that aren’t material to the death.
Beneficiary Disputes
From ex-spouse conflicts to handwritten changes, we resolve fights over who should receive the payout.
Federal & Military Benefits
We handle SGLI, VGLI, and FEGLI claims for service members and federal employees throughout Idaho.
Recent Case Outcomes for Western Clients
$475,000 recovered after a lapse denial stemming from a postal error in an ERISA plan. We proved the employer’s HR department never mailed required grace notices.
$120,000 obtained for a Boise family following a contested accidental death claim after a hiking fall in the foothills. We successfully argued the cause of death didn’t trigger any exclusion.
$315,000 secured in a disputed claim involving a revoked beneficiary designation that was legally invalid under Idaho contract law.
Communities We Serve Across the Treasure Valley
Boise
Meridian
Eagle
Garden City
Kuna
Nampa
Caldwell
Star
Emmett
Mountain Home
Whether you're up against a national insurer, a group policy through your employer, or a federal benefits program, The Lassen Law Firm brings trusted results and unmatched focus.
What to Expect from Our Firm
Thorough policy and claim review
Legal action customized to your situation
Appeals, negotiation, or litigation if needed
Ongoing communication and support
No recovery, no fee guarantee
Denied Life Insurance Claim in Boise? Get Help Now
You don’t have to fight a life insurance company alone. Let our firm step in and take action on your behalf starting with a free consultation.
Call 800-330-2274 or complete our contact form today.
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 12, 2025 | Contact: 800-330-2274
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!
-
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.
-
No. In most states, insurers must send a written notice of overdue premiums and warn of pending lapse before terminating coverage.
-
The policy may still be enforceable. Beneficiaries can challenge the lapse based on the insurer’s failure to provide required notice.
-
Yes. If the insured dies during the grace period, the policy is still considered active, and benefits should be paid.
-
Yes. In group life insurance policies, employers sometimes fail to forward premiums properly, leading to wrongful lapse denials.
-
Yes. If automatic payment setups fail through no fault of the insured, lapses may be challenged.
-
Some policies automatically borrow against cash value to cover missed payments. Failure to apply this correctly can lead to wrongful lapse claims.
-
Possibly. Some courts excuse nonpayment if the insured was mentally incapacitated and missed premiums without proper notice.
-
No. Reinstatement must occur while the insured is alive, but wrongful lapse denials can still be challenged posthumously.
-
Not without following strict notice and grace period rules. Beneficiaries can often challenge technical denials.
-
Deadlines vary by state, but it’s critical to act within 1 to 5 years depending on the policy and jurisdiction.
-
Not necessarily. Payments mailed within grace periods or accepted by insurers may keep coverage active.
-
Bank records, payment receipts, insurer correspondence, and premium notices are key evidence.
-
If the insurer used an outdated address despite updated information, lapse denials can often be overturned.
-
Possibly. If the insured submitted a reinstatement application before death, it may help challenge a lapse denial.
-
In some states, special grace periods and protections applied during COVID-19 emergencies. They can help fight wrongful lapses.
-
Only if the insurer followed all legal notice and grace period requirements. Otherwise, beneficiaries may still recover.
-
Misapplied premiums can lead to wrongful lapses — and courts often hold insurers accountable for these errors.
-
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
-
“They tried to deny my mom’s claim by referencing a vague exclusion clause. Christian quickly proved the exclusion didn’t apply. What seemed impossible at first became a closed case thanks to their persistence.”- Thomas E.
Why The Lassen Law Firm Is Different
-
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.
-
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.
-
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.
-
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.