Reno Life Insurance Lawyer
In Reno, the "Biggest Little City in the World," celebrated for its vibrant arts scene, stunning Sierra Nevada backdrop, and dynamic energy, families dealing with denied, delayed, or disputed life insurance claims often face an uphill battle against large insurance companies. At The Lassen Law Firm, we focus exclusively on life insurance law, helping residents of Reno recover the full policy benefits their loved ones intended them to have.
Attorney Christian Lassen, Esq. brings more than 25 years of experience to every case. With hundreds of millions recovered in life insurance disputes nationwide, he personally guides clients through every stage of their claim.
Why Reno Clients Turn to The Lassen Law Firm
Life Insurance-Only Practice – We handle only life insurance matters. No distractions, no general practice
Nationwide Service – Representing beneficiaries in all 50 states, including Nevada-based group and private policies
Direct Access to an Attorney – Christian Lassen works directly with you from start to finish
Recent Success Stories for Western Policyholders
$715,000 payout after an AD&D denial citing intoxication was overturned through medical expert review
$655,000 recovered in a lapse dispute after the insurer failed to provide mandatory notice of missed premium
$600,000 for a Reno-area beneficiary denied based on alleged health misrepresentation later disproven by medical records
We Handle the Full Range of Life Insurance Disputes in Reno
Accidental death (AD&D) exclusions based on alcohol, drugs, or high-risk activity
Policy lapse claims involving missed payments, grace periods, or improper notice
Denials for alleged misstatements in the insurance application
Contested beneficiary designations, including ex-spouse and probate disputes
ERISA group life denials through employers like hospitals, universities, or state agencies
Serving All of Reno and Washoe County
Including:
Downtown Reno
South Meadows
Northwest Reno
Damonte Ranch
Midtown
North Valleys
Spanish Springs
Whether your policy came through an employer or was privately purchased, we have the expertise to recover what you’re owed.
What to Expect From Our Firm
No legal fees unless we win your case
Thorough case evaluation and strategy
Aggressive appeals and litigation when necessary
Responsive, personalized legal care
Contact Our Office 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 your full benefit.
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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“The insurer said the activity my father was doing at the time of his death wasn’t covered. Lassen reviewed the policy and showed there was no such exclusion. They got it paid out without a lawsuit.”- Deborah 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.