Great Falls Life Insurance Lawyer
In Great Falls, a charming Montana city along the Missouri River and home to Giant Springs and the Lewis and Clark Interpretive Center, families navigating life insurance disputes often face uphill battles against powerful insurers. At The Lassen Law Firm, we help residents of Great Falls and Cascade County recover life insurance benefits that have been wrongfully denied, delayed, or disputed. Whether the issue involves accidental death coverage, lapse claims, or contested beneficiaries, we bring focused expertise and aggressive advocacy to every case.
Attorney Christian Lassen, Esq., a nationally recognized life insurance attorney, leads the firm with over 25 years of experience and a singular focus on life insurance law. Our clients benefit from direct access to Christian and a legal strategy tailored specifically to their policy and circumstances.
Why Clients in Great Falls Choose The Lassen Law Firm
We Only Handle Life Insurance Cases — We don’t dilute our focus with other practice areas. Life insurance is all we do.
Representation in All 50 States — Including Montana residents with private, employer-sponsored, or association-based policies.
You Work With Christian Lassen Directly — No handoffs to junior staff or intake teams.
Recent Case Wins for Montana Clients
$685,000 recovered for a denied AD&D claim wrongfully denied due to a recreational activity exclusion
$625,000 payout secured after a lapse claim was issued despite proper premium payments
$590,000 in a disputed beneficiary case where an ex-spouse challenged the policy proceeds
Great Falls Life Insurance Disputes We Handle
AD&D claim denials based on exclusions for alcohol, drugs, or criminal activity
Lapse issues caused by billing errors or insufficient notice
Denials based on alleged misrepresentations during the application process
Competing beneficiary claims and interpleader lawsuits
Employer-provided group policy denials under ERISA
We Serve Clients Throughout Great Falls
Downtown Great Falls
Fox Farm
Westside
Black Eagle
Riverview
Valley View
Prospect Heights
South Hills
Parkdale
Gibson Flats
We work with clients regardless of how the policy was issued—private purchase, union-provided, or employer-based.
What to Expect From Our Firm
Free policy and claim review
No fee unless we recover benefits
Detailed insurer communication and negotiation
State and federal litigation when necessary
Contact Christian Lassen Today
Call The Lassen Law Firm at 800-330-2274 for a free consultation. Christian Lassen will personally review your case and fight for the benefits your loved one intended for you to have.
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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“They tried to deny my mom’s claim by referencing a vague exclusion clause. Christian quickly proved the exclusion didn’t apply. What seemed impossible at first became a closed case thanks to their persistence.”- Thomas E.
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.