Meridian Life Insurance Lawyer
Christian Lassen, Esq. | Quoted in The Wall Street Journal | 25 Years Experience
Meridian has grown rapidly over the last decade, with families relocating for work, schools, and long term stability. Many residents carry life insurance through private policies, employer benefits, or federal programs obtained years before a loss. When a claim is denied after a death, the shock is often compounded by confusion about why coverage is suddenly being questioned.
The Lassen Law Firm represents Meridian beneficiaries facing Denied Life Insurance Claim and Delayed Life Insurance Claim situations. Our practice is limited exclusively to life insurance disputes. We focus on enforcing benefits after death and correcting insurer decisions that rely on technical or administrative defenses.
Attorney Christian Lassen has over 25 years of experience handling life insurance litigation nationwide and has been quoted by The Wall Street Journal on insurance related legal issues. Meridian clients work directly with him throughout the claim review, appeal, or litigation process.
Why Life Insurance Claims in Meridian Are Frequently Challenged
Life insurance disputes in Meridian often stem from changes that occur over time rather than any issue with coverage itself. Common triggers for denial include:
Employer group coverage affected by job changes or retirement
Premium billing issues tied to address or bank account updates
Accidental deaths followed by broad exclusion reviews
Policies reviewed during the contestability period
Beneficiary changes made late in life or during illness
In many cases, insurers focus on paperwork issues instead of whether the policy was active and enforceable at the time of death.
How Meridian Life Insurance Denials Are Evaluated
Some Meridian 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 cases and federal benefit claims involve strict deadlines and limit what evidence may be considered if it is not submitted early.
Determining which law applies and building the record correctly from the start often determines whether benefits can be recovered.
Examples of Meridian Life Insurance Disputes We Review
A Meridian family denied benefits after the insurer claimed the policy lapsed despite ongoing payroll deductions. Documentation supported recovery through a Life Insurance Lapse analysis.
An accidental death claim delayed while the insurer investigated medication use without supporting medical evidence. Policy interpretation supported recovery through a Denied AD&D Claim review.
A beneficiary dispute involving competing claims after a late designation change. Capacity and documentation issues were addressed through a Life Insurance Beneficiary Dispute strategy.
These examples illustrate common insurer defenses rather than guaranteed outcomes.
Types of Life Insurance Claims We Handle for Meridian Families
Accidental Death and AD&D Claims
We represent families in Denied AD&D Claim cases involving disputed causes of death, alleged intoxication, or activity based exclusions.
Policy Lapse and Grace Period Disputes
We analyze billing history, grace period compliance, and notice requirements under Life Insurance Lapse standards.
Contestability and Application Based Denials
Insurers often rely on minor or outdated application information. We challenge these denials under Denied Life Insurance Claim principles using underwriting and medical records.
Beneficiary Conflicts and Interpleader Lawsuits
When insurers claim uncertainty about who should receive benefits, we handle Life Insurance Beneficiary Dispute matters and insurer filed Life Insurance Interpleader actions.
Employer and Federal Life Insurance Coverage
We assist Meridian families with employer sponsored plans governed by Denied Life Insurance ERISA, as well as federal and military policies including FEGLI and SGLI.
Areas We Serve in and Around Meridian
We represent clients throughout Meridian and West Ada County, including North Meridian, South Meridian, Paramount, SpurWing, Tuscany, Heritage Commons, Bridgetower, Settlers Bridge, and the Cherry Lane corridor. We also assist beneficiaries in Eagle, Kuna, Star, and across the greater Treasure Valley.
If the policyholder lived or worked in the Meridian area, we can review your claim regardless of where the policy was issued.
What to Expect When You Contact Our Firm
Comprehensive review of the policy and denial letter
Clear explanation of applicable law and deadlines
A strategy tailored to your policy and denial reason
Appeals, negotiation, or litigation when necessary
Direct communication with your attorney throughout
Denied Life Insurance Claim in Meridian
Insurance companies often expect beneficiaries to accept a denial without challenge. You are not required to do that. If your claim involves delay, lapse allegations, beneficiary conflicts, or an interpleader lawsuit, The Lassen Law Firm can help.
Call 800-330-2274 or complete our online form to schedule a free consultation with attorney 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: 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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“The company claimed my dad died during a criminal act and denied the policy. Christian’s firm conducted their own investigation, cleared his name, and the benefit was paid in full. They didn’t back down.”- Steven
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.
