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Concord Life Insurance Attorney

Concord Life Insurance Lawyer

Christian Lassen, Esq. | Quoted in The Wall Street Journal | 25 Years Experience

In Concord, New Hampshire’s capital city known for its historic charm, vibrant cultural offerings, and welcoming community, families dealing with denied, delayed, or disputed life insurance claims often face an uphill battle against powerful insurance companies. At The Lassen Law Firm, we handle life insurance claims exclusively, helping Concord residents secure the benefits their loved ones intended them to receive.

Attorney Christian Lassen, Esq., has over 25 years of focused experience in life insurance law. Having recovered hundreds of millions for beneficiaries nationwide, he offers direct, personalized legal representation to every client.

Why Concord Families Trust The Lassen Law Firm

We Only Handle Life Insurance Cases – No injury cases, no general practice. Our sole focus is life insurance law.

Serving Clients Across the U.S. – We represent clients in all 50 states, including policies governed by New Hampshire law.

Work One-on-One With a Lawyer – From first call to final result, you work directly with Christian Lassen.

Recent Case Successes in New England

$700,000 for a Concord-area family after an accidental death claim was denied due to a prescription drug exclusion

$655,000 recovered after proving an insurer failed to send proper lapse notices

$600,000 secured for a New Hampshire beneficiary after misrepresentation allegations were challenged and overturned

Contesting a Beneficiary in Concord

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 Concord

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.

We Handle All Life Insurance Disputes

Accidental Death & Dismemberment denials

Alleged policy lapses due to nonpayment or missed premium notices

Disputes over medical misstatements or application errors

Beneficiary fights involving ex-spouses or unsigned change forms

Group policy ERISA claim denials and appeals

Denied Life Insurance Claim FAQ

Can a life insurance claim be denied for alleged misrepresentation if the insurer summarized answers instead of recording them verbatim?

Yes. Insurers may still assert misrepresentation, but disputes often focus on whether the summary accurately reflected what the insured actually said.

Can a life insurance claim be denied for failing to disclose symptoms that occurred only once?

Yes. Insurers may argue symptoms should have been disclosed, but they must prove the information was material to underwriting.

Can a life insurance claim be denied for omission of medication taken briefly for a non serious issue?

Yes. However, brief use for minor issues is often not material unless tied to a significant condition.

Can a life insurance claim be denied during the contestability period based on differences between application answers and pharmacy benefit reports?

Yes. Insurers may rely on pharmacy data, but they must prove the discrepancy is material and accurate.

Can a life insurance claim be denied if the insurer claims the insured failed to disclose prior medical consultations?

Yes. Insurers may argue consultations should have been disclosed, but they must show the information was material.

Can an ERISA life insurance claim be denied because the employer failed to transmit enrollment data properly?

Yes. Administrative errors can lead to disputes over whether coverage should have been effective.

Can a FEGLI life insurance claim be disputed if the beneficiary designation form contains incomplete or conflicting information?

Yes. The insurer may delay payment while determining whether the designation is valid.

Can an SGLI life insurance claim be delayed if the beneficiary designation includes unclear beneficiary names?

Yes. The insurer may delay payment while verifying the intended beneficiaries.

Can a VGLI life insurance claim be denied if the veteran’s premium payment was made but not processed correctly?

Yes. Disputes may arise over whether the policy should have remained active.

Can a life insurance claim be denied because of an exclusion related to alcohol use even when levels were below legal limits?

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 without proof of a causal link to the death?

No. Insurers must show both the conduct and a direct connection to the cause of 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 reliance on certain medical records?

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 documents that are not reasonably obtainable?

No. Insurers must consider whether the records can be obtained before denying the claim.

Can a life insurance claim be denied because the beneficiary submitted documents over time instead of all at once?

No. Incremental submission is common and typically not a valid basis for denial.

Can a beneficiary dispute lead to an interpleader even if one claimant has strong documentation?

Yes. Insurers often file interpleader actions whenever competing claims are asserted.

Can an ERISA life insurance claim be denied based on strict plan language?

Yes. ERISA plans are often enforced as written, though courts may review whether the interpretation is reasonable.

Can a FEGLI claim be delayed if the insurer questions whether the beneficiary designation form was properly executed?

Yes. The insurer may review execution requirements before determining validity.

Can an SGLI claim be challenged if the beneficiary designation was made shortly before a significant 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.

 
 
 
 
 

 

Concord Neighborhoods and Surrounding Areas We Serve

Including:

Downtown Concord

Penacook

East Concord

South End

Heights

West Concord

Surrounding towns like Bow, Pembroke, and Loudon

Whether your policy is individually held or employer-sponsored, we bring the experience, precision, and advocacy needed to win.

What You Can Expect From Us

Free consultation with a life insurance lawyer

No fees unless you win

Thorough investigation and claim support

Direct, honest communication at every step

Talk to a Concord Life Insurance Lawyer Today

Call The Lassen Law Firm at 800-330-2274. Speak directly with Christian Lassen to get your questions answered and your case moving forward.

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

 

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!

  • 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.

  • No. In most states, insurers must send a written notice of overdue premiums and warn of pending lapse before terminating coverage.

  • The policy may still be enforceable. Beneficiaries can challenge the lapse based on the insurer’s failure to provide required notice.

  • Yes. If the insured dies during the grace period, the policy is still considered active, and benefits should be paid.

  • Yes. In group life insurance policies, employers sometimes fail to forward premiums properly, leading to wrongful lapse denials.

  • Yes. If automatic payment setups fail through no fault of the insured, lapses may be challenged.

  • Some policies automatically borrow against cash value to cover missed payments. Failure to apply this correctly can lead to wrongful lapse claims.

  • Possibly. Some courts excuse nonpayment if the insured was mentally incapacitated and missed premiums without proper notice.

  • No. Reinstatement must occur while the insured is alive, but wrongful lapse denials can still be challenged posthumously.

  • Not without following strict notice and grace period rules. Beneficiaries can often challenge technical denials.

  • Deadlines vary by state, but it’s critical to act within 1 to 5 years depending on the policy and jurisdiction.

  • Not necessarily. Payments mailed within grace periods or accepted by insurers may keep coverage active.

  • Bank records, payment receipts, insurer correspondence, and premium notices are key evidence.

  • If the insurer used an outdated address despite updated information, lapse denials can often be overturned.

  • Possibly. If the insured submitted a reinstatement application before death, it may help challenge a lapse denial.

  • In some states, special grace periods and protections applied during COVID-19 emergencies. They can help fight wrongful lapses.

  • Only if the insurer followed all legal notice and grace period requirements. Otherwise, beneficiaries may still recover.

  • Misapplied premiums can lead to wrongful lapses — and courts often hold insurers accountable for these errors.

  • 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
    Fraud Allegation by Insurer
    “They alleged policy fraud and said they wouldn’t pay. But Christian Lassen’s firm uncovered emails showing the insurer had approved everything months earlier. They settled the case quietly and quickly once the truth came out.”
    - Linda T.

Why The Lassen Law Firm Is Different

  • 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.

  • Recognized Expertise
    Perfect 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.
  • Client-First Advocacy
    No upfront fees: our contingency fee guarantee aligns our interests with yours; we provide personalized, compassionate representation from your initial consultation through resolution.
  • Media & Community Leadership
    Quoted in The Wall Street Journal and featured in leading legal publications; frequent speaker at national conferences; dedicated to charitable efforts supporting pediatric cancer care.

Do You Need a Life Insurance Lawyer?

Please contact us for a free legal review of your claim. Every submission is confidential and reviewed by an experienced life insurance attorney, not a call center or case manager. There is no fee unless we win.

We handle denied and delayed claims, beneficiary disputes, ERISA denials, interpleader lawsuits, and policy lapse cases.

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