Manchester Life Insurance Lawyer
In Manchester, New Hampshire's largest city known for its rich history, thriving arts scene, and scenic Merrimack River views, families facing denied, delayed, or disputed life insurance claims often struggle to get fair treatment from insurers. At The Lassen Law Firm, we handle only life insurance cases, offering Manchester residents experienced, focused legal representation to recover the benefits their loved ones intended.
Attorney Christian Lassen, Esq., has over 25 years of experience in life insurance law. With hundreds of millions recovered for clients across the country, he provides each client with direct, personalized legal guidance throughout the claims process.
Why Clients in Manchester Choose The Lassen Law Firm
Life Insurance-Only Firm – We don’t take car accidents or general litigation cases. Life insurance is all we do.
Serving All 50 States – We represent clients nationwide, including those with policies governed by New Hampshire law.
One-on-One With an Attorney – You won’t be passed off to staff. Christian Lassen personally manages every case.
Successes for Clients in the Northeast
$720,000 recovered in an AD&D case after the insurer claimed the insured’s fatal fall was excluded due to intoxication
$660,000 obtained after a lapse dispute involving a policy sold through a regional bank
$610,000 paid after a misrepresentation denial was reversed following medical and billing record analysis
Types of Life Insurance Disputes We Handle in Manchester
Accidental death (AD&D) denials related to drugs, alcohol, or criminal exclusions
Policy lapse disputes, including missed grace period notifications
Denials based on supposed health misstatements
Conflicts over beneficiary designations or competing family claims
ERISA group policy appeals from employers in healthcare, education, and manufacturing
Areas We Serve Around Manchester
We represent clients throughout the city and Hillsborough County, including:
Downtown Manchester
Rimmon Heights
North End
South Willow
Kalivas Union
Hanover Hill
Goffstown and Bedford (surrounding communities)
Whether your policy was purchased through an employer or individually, our team is ready to fight for your full benefit.
What We Offer
Free, private consultation
No fee unless we win
Nationwide strength with local knowledge
Full-service support through claim, appeal, or lawsuit
Contact Our Life Insurance Law Firm Today
Call The Lassen Law Firm at 800-330-2274 to speak directly with attorney Christian Lassen. We’ll review your case and explain your best next steps.
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!
-
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
-
“I was told the life insurance policy had lapsed due to unpaid premiums. But Christian Lassen's team proved the company had failed to send proper notice. They fought back and got the policy reinstated retroactively. I’m incredibly grateful.”- James L.
Why The Lassen Law Firm Is Different
-
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.
-
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.
-
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.
-
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.