Billings Life Insurance Lawyer
In Billings, Montana's largest city, nestled against the picturesque Yellowstone River and Rimrocks, life insurance claims are often met with aggressive resistance from insurers. At The Lassen Law Firm, we represent families in Billings and throughout Yellowstone County in recovering wrongfully denied or delayed life insurance benefits. Whether your case involves accidental death, an alleged lapse in coverage, or a disputed beneficiary, we provide focused legal guidance and nationwide experience every step of the way.
Led by attorney Christian Lassen, Esq., a nationally recognized life insurance lawyer, our firm has recovered hundreds of millions of dollars for clients over the past 25 years. Life insurance law is our sole focus, and our results reflect that dedication.
Why Billings Families Choose The Lassen Law Firm
Exclusive Focus on Life Insurance — No car accidents, no criminal defense, just life insurance disputes
Representation in All 50 States — Including claimants with Montana-based group and private policies
Personal Attention From Christian Lassen — Clients deal directly with their attorney from start to finish
Recent Life Insurance Victories Nationwide
$720,000 paid after a claim was denied based on a disputed toxicology report
$665,000 settlement in a lapse case where premium notices were not properly mailed
$580,000 recovered after an AD&D denial involving a recreational vehicle accident
Types of Disputes We Handle for Montana Clients
Accidental death and dismemberment (AD&D) exclusions
Application misrepresentation or health history disputes
Lapsed policy defenses due to administrative or billing errors
Contested beneficiary designations or will conflicts
ERISA group life insurance denials
Areas We Serve in and Around Billings
West End
Heights
Downtown Billings
South Side
Lockwood
Blue Creek
Briarwood
Billings Bench
We serve clients throughout Yellowstone County, whether the policy was purchased privately or through a Montana-based employer.
Our Services Include
Free consultation and claim review
No fees unless we recover benefits
Detailed investigation of policy terms and claim denial
Aggressive negotiation or litigation when necessary
Contact The Lassen Law Firm Today
Call 800-330-2274 for a free, confidential consultation with attorney Christian Lassen. We are ready to stand up to the insurance company on your behalf.
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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“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
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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.