Las Vegas Life Insurance Lawyer
Christian Lassen, Esq. | Quoted in The Wall Street Journal | 25 Years Experience
In Las Vegas, the dazzling city known for its world-class entertainment and vibrant culture, life insurance claimants often find themselves up against powerful insurers looking to delay or deny valid claims. At The Lassen Law Firm, we exclusively handle life insurance matters, helping families in Las Vegas recover the full benefits they are owed.
Attorney Christian Lassen, Esq. brings over 25 years of experience and a national reputation for recovering hundreds of millions in denied and disputed life insurance claims. We are proud to serve clients throughout Clark County and the entire state of Nevada.
Why Las Vegas Families Rely on The Lassen Law Firm
Exclusive Focus – Life insurance law is all we do
National Reach – Representing beneficiaries in all 50 states, including Nevada-based policies
Attorney-Driven – You work directly with Christian Lassen from consultation to resolution
Recent Successes for Western Clients
$725,000 from a denied AD&D claim involving a motorcycle accident where intoxication was wrongly alleged
$680,000 policy paid after insurer claimed a lapse that we disproved through payment history records
$600,000 secured in a case where the insurer alleged material misrepresentation that was not supported by medical records
Contesting a Beneficiary in Las Vegas
Life insurance beneficiary disputes often arise when there are questions about a last-minute change, conflicting forms, or whether the policyholder had the capacity to make the designation.
We represent clients nationwide in cases involving:
- Undue influence or coercion
- Lack of mental capacity
- Forged or suspicious beneficiary changes
- Conflicts between spouses, children, or prior beneficiaries
Contesting a beneficiary designation requires strong evidence and a clear legal strategy. We work to challenge invalid designations and protect the rights of the rightful beneficiary.
Interpleader Lawyer in Las Vegas
When a life insurance company faces competing claims or unclear beneficiary designations, it may file an interpleader lawsuit and deposit the funds with the court instead of paying the claim.
We represent beneficiaries nationwide in interpleader actions and life insurance disputes involving:
- Conflicting beneficiary claims
- Disputed beneficiary changes
- Divorce or remarriage issues
- Allegations of undue influence or fraud
Once an interpleader is filed, the case becomes a legal dispute between claimants. We work to protect rightful beneficiaries and pursue recovery of the full policy proceeds.
Denied Life Insurance Claim FAQ
Can a life insurance claim be denied for alleged misrepresentation if the insurer never confirmed the insured’s answers in writing?
Yes. Insurers may still assert misrepresentation, but disputes often focus on whether the insured had a fair opportunity to review and confirm the application.
Can a life insurance claim be denied for failing to disclose symptoms that were attributed to temporary stress?
Yes. Insurers may argue the symptoms should have been disclosed, but they must prove they were material to underwriting.
Can a life insurance claim be denied for omission of medications taken only during a short term condition?
Yes. However, short term medication use is often not material unless tied to a serious undisclosed condition.
Can a life insurance claim be denied during the contestability period based on inconsistencies between application answers and third party reports?
Yes. Insurers may rely on external data, but they must prove the discrepancy is material.
Can a life insurance claim be denied if the insurer claims the insured failed to disclose recommended follow up care?
Yes. Insurers may argue this should have been disclosed, but they must show it was material.
Can an ERISA life insurance claim be denied because the employer failed to process enrollment paperwork correctly?
Yes. Administrative errors can lead to disputes over whether coverage should have been in place.
Can a FEGLI life insurance claim be disputed if the beneficiary designation form is unsigned or incomplete?
Yes. The insurer may question the validity of the designation and apply the statutory order of precedence.
Can an SGLI life insurance claim be delayed if the beneficiary designation lists individuals with incomplete identifying information?
Yes. The insurer may delay payment while verifying the beneficiaries.
Can a VGLI life insurance claim be denied if the veteran’s premium payment was sent but never received?
Yes. Disputes may arise over whether the policy lapsed despite the attempted payment.
Can a life insurance claim be denied because of an exclusion related to prescription drug use even when taken properly?
Yes. Insurers may attempt to apply exclusions, but they must clearly establish that the exclusion applies under the policy.
Can a life insurance claim be denied for alleged criminal conduct that was never proven or charged?
Yes. Insurers may rely on allegations, but they must provide evidence and show a causal link to the death.
Can a life insurance claim be denied if the cause of death is listed as unknown?
Yes. Insurers may delay or deny claims, but ambiguity often benefits the beneficiary.
Can a life insurance claim be denied based on selective use of medical records or reports?
Yes. Insurers may attempt this, but courts often require a complete and balanced evaluation.
Can a life insurance claim be denied for failure to provide records that cannot reasonably be obtained?
No. Insurers must consider whether records are available before denying a claim.
Can a life insurance claim be denied because the beneficiary needed time to understand and respond to requests?
Yes. However, insurers must show that any delay materially affected their investigation.
Can a beneficiary dispute lead to an interpleader even if one claimant appears clearly entitled?
Yes. Insurers often file interpleader actions whenever competing claims exist.
Can an ERISA life insurance claim be denied based on strict compliance with plan deadlines?
Yes. ERISA plans often enforce deadlines strictly, though courts may examine whether proper notice was given.
Can a FEGLI claim be delayed if the insurer questions whether the beneficiary designation form was properly filed?
Yes. The insurer may verify agency records before determining validity.
Can an SGLI claim be challenged if the beneficiary designation was made shortly before a major life event?
Yes. Timing may lead to disputes about whether the designation reflects the insured’s intent.
Can a VGLI claim be denied if the insurer claims the policy never became effective due to incomplete processing?
Yes. The insurer may argue coverage was never in force, leading to disputes over whether all requirements were satisfied
We Handle All Types of Life Insurance Disputes in Las Vegas
Denied Accidental Death & Dismemberment (AD&D) Claims
Policy Lapses and Nonpayment Disputes
Alleged Misrepresentation or Fraud in the Application
Beneficiary Disputes and Contested Claims
Employer Group Policy Denials (ERISA Cases)
Serving All of Clark County, Including:
The Strip
Summerlin
Henderson
North Las Vegas
Paradise
Spring Valley
Enterprise
Whether your loved one had an individual life policy or an employer-provided plan, we can help you recover the full payout you’re entitled to.
What to Expect From Our Firm
No legal fees unless we recover for you
Aggressive negotiation and litigation if needed
Direct communication with an experienced life insurance attorney
A free, confidential case evaluation
Contact Us Today
Call The Lassen Law Firm at 800-330-2274 for a free consultation. We’ll review your denial, explain your rights, and fight for the justice you deserve.
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: Jan 3, 2026
Nevada Disclaimer: “The use of the Internet or this form for communication with the firm or any individual member of the firm does not establish an attorney-client relationship. Confidential or time-sensitive information should not be sent through this form.” “This website is legal advertising. Past results do not guarantee future outcomes.”
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 died overseas, and the insurer stalled the claim citing lack of documentation. The Lassen team got official death records from abroad, translated and authenticated them, and made the insurer pay. They truly handled everything.”- Patricia W.
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.
