Idaho Falls Life Insurance Lawyer
In Idaho Falls, where the Snake River winds through historic downtown and community ties run deep, facing a denied life insurance claim can bring unexpected hardship. At The Lassen Law Firm, we focus solely on life insurance litigation and help Idaho Falls families challenge wrongful denials, delays, and disputes so you receive the benefits your loved one intended for you.
Whether you're walking the Idaho Falls River Walk, living in Ammon or the numbered streets, or just minutes from Freeman Park, we offer seasoned legal advocacy backed by 25+ years of national experience and hundreds of millions in life insurance claims recovered.
Why Idaho Falls Families Choose The Lassen Law Firm
Only Life Insurance Cases, Nationwide
We don’t divide our focus. Every policy, every denial, we know how to fight and win.
Attorney Access from Day One
Your case is personally managed by Christian Lassen, not a junior associate or call center.
No Fee Unless You Win
If we don’t recover money for you, you pay nothing. Period.
We Handle All Life Insurance Disputes in Idaho Falls
Denied Accidental Death Claims (AD&D)
Whether it’s a misapplied intoxication clause or questionable exclusions, we challenge wrongful denials with medical records, expert evidence, and policy analysis.
Lapse and Nonpayment Accusations
We determine if your insurer followed Idaho’s notice laws, grace periods, and ERISA rules for employer-based plans.
Misrepresentation During Contestability
Denials based on outdated or immaterial statements are common. We dismantle these arguments with documentation and expert review.
Beneficiary Disputes
When ex-spouses, siblings, or other relatives contest the benefit, we step in to resolve conflicts whether through negotiation or litigation.
Federal and Military Policies (SGLI, FEGLI, VGLI)
We represent federal employees, veterans, and their families in navigating these complex systems.
Recent Case Results in the Mountain West
$311,000 from a denied AD&D claim after a fatal ATV accident outside Idaho Falls was excluded for alleged intoxication. We disproved the claim with bloodwork and eyewitness statements.
$164,000 secured for an Ammon widow after a misrepresentation denial tied to an old application question was reversed.
$97,000 paid after an ERISA-based lapse dispute was resolved in favor of a former INL employee’s family.
Areas We Serve Around Idaho Falls
Ammon
Shelley
Lincoln
Iona
West Idaho Falls
Downtown Idaho Falls
Sunnyside
Rose Hill
Fairway Estates
Whether you’re dealing with a group policy, an individual contract, or a federal benefit, we bring personalized service and proven results to families across Bonneville County and beyond.
What You Can Expect
In-depth claim and policy review
Strategic negotiation or litigation
Fast, clear communication
Contingency-based legal fees (no win, no fee)
Start Your Idaho Falls Life Insurance Claim Today
Don’t let an insurer’s denial go unchecked. Let us help you recover what’s rightfully yours.
Call 800-330-2274 or complete our contact form to speak directly with Christian Lassen.
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
-
“Apparently, there were so-called inconsistencies on the application. The insurer used that as an excuse to avoid paying. Thankfully, Lassen Law stepped in and proved everything had been disclosed accurately. Claim paid.”- Rebecca M.
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.