Missoula Life Insurance Lawyer
In Missoula, a vibrant city nestled between mountain ranges and bisected by the Clark Fork River, families facing life insurance disputes often find themselves up against powerful insurance companies that delay or deny rightful payouts. At The Lassen Law Firm, we provide trusted representation to residents of Missoula and Missoula County dealing with denied, delayed, or contested life insurance claims. Whether your issue involves accidental death benefits, lapse disputes, or ERISA-related denials, we have the experience and focus to deliver results.
Attorney Christian Lassen, Esq. brings over 25 years of experience in life insurance law to every case. With hundreds of millions recovered for beneficiaries across the country, our firm is known for aggressive advocacy and deep knowledge of insurance company tactics.
Why Missoula Clients Choose The Lassen Law Firm
We Only Handle Life Insurance Cases — No general practice or injury law. 100% life insurance disputes.
Serving Clients in All 50 States — Including claimants under Montana employer and private life policies.
Work Directly With Christian Lassen — You get direct legal representation, not passed off to a junior associate.
Notable Recoveries for Montana Clients
$705,000 payout after a Missoula-area accidental death claim was denied under a misapplied intoxication exclusion
$630,000 recovered when a group life insurance policy lapsed during unpaid FMLA leave without proper notice
$585,000 secured in a case involving disputed beneficiary changes shortly before death
Types of Life Insurance Claims We Handle in Missoula
AD&D exclusions based on alleged misconduct or drug/alcohol use
Policy lapse disputes related to billing and grace period issues
Claims denied for supposed misrepresentations on the application
Disputes among multiple beneficiaries or family members
Employer-based policy (ERISA) denials and appeals
We Help Clients Across Missoula
Downtown Missoula
University District
South Hills
Rattlesnake
Miller Creek
Franklin to the Fort
Lewis and Clark
Riverfront
Upper Rattlesnake
Whether your loved one had a policy through a Missoula employer, purchased it privately, or held coverage through a union or association, we can help you pursue the benefits you’re entitled to.
What You Get With Our Firm
Free initial claim evaluation
Contingency representation – no legal fees unless we recover money for you
Complete review of policy language and correspondence
Aggressive litigation in state or federal court when insurers refuse to pay
Speak With Christian Lassen Today
Call The Lassen Law Firm at 800-330-2274 for a free consultation. Christian Lassen will personally evaluate your case and help you understand your options.
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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“My husband didn’t list a prior policy cancellation, and they used that to deny our claim. Lassen Law proved it was irrelevant and unrelated to the cause of death. We received the benefit without a prolonged legal battle.”- Daniel S.
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.