Rochester MN Life Insurance Lawyer
In Rochester, a city known for its vibrant community and world-renowned Mayo Clinic, navigating life insurance claims can still be a complex and overwhelming process, especially when benefits are unfairly delayed or denied. At The Lassen Law Firm, we are dedicated to helping families and individuals in Rochester secure the financial peace of mind they deserve. Whether you’re near the bustling downtown area, the scenic Zumbro River, or anywhere across Olmsted County, we provide trusted legal expertise and personalized guidance every step of the way. Our experienced and trusted Minnesota life insurance lawyers are here to help.
Led by nationally recognized attorney Christian Lassen, Esq., The Lassen Law Firm focuses solely on denied, delayed, and disputed life insurance claims. With over 25 years of experience and hundreds of millions recovered nationwide, we aggressively advocate for clients throughout Rochester and across Minnesota.
Why Rochester Residents Trust The Lassen Law Firm
Exclusive Life Insurance Focus: We don’t take on injury cases or general civil litigation — just life insurance.
Serving All 50 States: Including Minnesota-based employer and private policies.
Direct Attorney Contact: You’ll work directly with Christian Lassen, not a paralegal or junior associate.
Recent Recoveries for Clients in Minnesota
$720,000 recovery for a denied claim involving alleged misrepresentation of a cardiac condition.
$680,000 settlement after AD&D benefits were rejected following a motorcycle crash.
$610,000 payout secured for a Rochester family whose policy was wrongly terminated during a disability leave.
Types of Life Insurance Disputes We Handle in Rochester
Accidental death and dismemberment (AD&D) denials
Claims denied due to misrepresentation
Lapse and grace period disputes
Beneficiary conflicts and will contests
ERISA group life insurance appeals and litigation
Serving All of Rochester and Surrounding Communities
Downtown Rochester
Historic Southwest
Eastside
Elton Hills
Kutzky Park
Folwell
Baihly Meadows
Zumbro Ridge Estates
Wherever you're located in Olmsted County, we are ready to represent your interests and fight for the benefits your loved one intended you to receive.
Why Choose The Lassen Law Firm
Free case review with no obligation
No legal fees unless we win
National reputation for excellence
Skilled in both negotiation and courtroom litigation
Contact The Lassen Law Firm
If your life insurance claim has been denied, delayed, or contested, call 800-330-2274 today for a free consultation with attorney Christian Lassen.
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 13, 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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“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 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.