Concord Life Insurance Lawyer
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
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
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: 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 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
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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.