Boise Life Insurance Lawyer
Christian Lassen, Esq. | Quoted in The Wall Street Journal | 25 Years Experience
Families in Boise often rely on life insurance tied to long term employment, small businesses, federal service, or individual policies purchased years before a loss. When a death occurs, beneficiaries expect the claim to be paid. Instead, many are met with investigation letters, document requests, or outright denials based on technical arguments never raised while the policyholder was alive.
The Lassen Law Firm represents Boise families in Denied Life Insurance Claim and Delayed Life Insurance Claim disputes throughout Ada County and the Treasure Valley. Our firm focuses exclusively on life insurance law. We do not handle unrelated legal matters. Our role is to enforce valid life insurance benefits after death.
Attorney Christian Lassen has more than 25 years of experience handling life insurance disputes nationwide and has been quoted by The Wall Street Journal on insurance related legal issues. Clients work directly with him from the initial review through appeal or litigation when necessary.
Why Life Insurance Claims in Boise Are Often Disputed
Life insurance disputes involving Boise frequently arise from a mix of private employment, federal benefits, and individual policies maintained over long periods of time. Common issues include:
Employer sponsored group life insurance affected by job changes or retirement
Individual policies with billing or address related issues
Accidental deaths involving outdoor activity, driving, or workplace incidents
Claims reviewed during the contestability period
Beneficiary changes made late in life or during illness
In many cases, insurers rely on administrative or technical defenses rather than whether coverage existed at the time of death.
How Boise Life Insurance Denials Are Reviewed
Some Boise life insurance claims are governed by Idaho insurance law, while others fall under federal statutes when coverage is provided through an employer or government program. Denied Life Insurance ERISA claims and federal benefit cases impose strict deadlines and limit what evidence can be considered if it is not submitted early in the process.
Identifying which law applies and acting quickly is often critical to preserving the claim and avoiding irreversible procedural mistakes.
Examples of Boise Life Insurance Disputes We Address
A Boise beneficiary denied benefits after the insurer alleged the policy lapsed due to missed premiums. Billing records and notice requirements supported recovery through a Life Insurance Lapse review.
An accidental death claim denied after the insurer relied on exclusion language involving medication or activity. Policy interpretation and factual analysis supported recovery through a Denied AD&D Claim challenge.
A beneficiary dispute involving competing claims after a late stage designation change. Documentation and capacity evidence supported recovery through a Life Insurance Beneficiary Dispute strategy.
These examples reflect common insurer defenses and how they are challenged rather than guaranteed outcomes.
Types of Life Insurance Claims We Handle for Boise Families
Accidental Death and AD&D Claims
We represent families in Denied AD&D Claim cases involving alleged intoxication, activity exclusions, or disputed causes of death.
Policy Lapse and Nonpayment Allegations
We challenge lapse denials by reviewing billing history, grace periods, and notice compliance under Life Insurance Lapse standards.
Application and Contestability Disputes
Insurers often rely on minor or outdated application information. We contest these denials under Denied Life Insurance Claim standards using underwriting and medical evidence.
Beneficiary Conflicts and Interpleader Actions
When insurers claim uncertainty about who should receive benefits, we handle Life Insurance Beneficiary Dispute matters and insurer filed Life Insurance Interpleader lawsuits.
Federal and Employer Related Coverage
We assist Boise families with Denied FEGLI Claim Lawyer cases involving federal employees, military related claims, and employer sponsored plans governed by Denied Life Insurance ERISA.
Communities We Serve Across the Treasure Valley
We represent clients throughout Boise and surrounding communities, including Boise, Meridian, Eagle, Garden City, Kuna, Nampa, Caldwell, Star, Emmett, and Mountain Home.
If the policyholder lived or worked anywhere in the Treasure Valley, we can evaluate your claim.
What to Expect When You Contact Our Firm
Review of the denial letter and full policy
Identification of legal and procedural violations
Clear strategy tailored to your specific coverage
Appeals, negotiation, or litigation when necessary
Direct communication with your attorney throughout
Denied Life Insurance Claim in Boise
Insurance companies often expect beneficiaries to accept a denial without challenge. You are not required to do that. If your claim involves delay, denial, lapse allegations, beneficiary conflicts, or an interpleader lawsuit, The Lassen Law Firm can help.
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: Jan 21, 2026 | 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!
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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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“I was told the life insurance policy had lapsed due to unpaid premiums. But Christian Lassen's team proved the company had failed to send proper notice. They fought back and got the policy reinstated retroactively. I’m incredibly grateful.”- James 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.
