Nashua Life Insurance Lawyer
Christian Lassen, Esq. | Quoted in The Wall Street Journal | 25 Years Experience
In Nashua, a vibrant city known for its picturesque parks, rich industrial history, and welcoming community, families facing denied, delayed, or disputed life insurance claims often find themselves overwhelmed by complex insurance processes. At The Lassen Law Firm, we handle life insurance cases exclusively, helping Nashua residents recover the benefits their loved ones intended them to receive.
Attorney Christian Lassen, Esq., has over 25 years of experience focused solely on life insurance law. With hundreds of millions recovered nationwide, he provides direct, personalized legal representation for every client.
Why Nashua Residents Choose The Lassen Law Firm
Life Insurance Focus – We don’t handle car accidents or slip and falls. Life insurance law is all we do.
Nationwide Reach – We serve clients in all 50 states, including those with policies governed by New Hampshire law.
Work Directly With an Attorney – You’ll work one-on-one with Christian Lassen from consultation to resolution.
Recent Victories for Northeastern Clients
$730,000 in an AD&D claim after the insurer denied payment due to alleged drug use
$645,000 recovered after a lapse dispute revealed improper premium notices
$620,000 secured for a Nashua-area family after a denial based on inaccurate health records was reversed
Contesting a Beneficiary in Nashua
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 Nashua
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 provided the full application for review?
Yes. Insurers may still assert misrepresentation, but disputes often focus on whether the insured had a meaningful opportunity to review the recorded answers.
Can a life insurance claim be denied for failing to disclose symptoms that were brief and resolved on their own?
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 only as a precaution after a routine visit?
Yes. However, precautionary use is often not material unless tied to a serious underlying condition.
Can a life insurance claim be denied during the contestability period based on differences between application answers and electronic health records?
Yes. Insurers may rely on electronic records, but they must prove the discrepancy is material.
Can a life insurance claim be denied if the insurer claims the insured failed to disclose prior recommendations for testing?
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 properly enroll the employee due to clerical error?
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 contains incomplete information?
Yes. The insurer may delay payment while determining whether the beneficiary can be clearly identified.
Can an SGLI life insurance claim be delayed if the beneficiary designation includes conflicting beneficiary shares?
Yes. The insurer may delay payment while determining how to distribute the proceeds.
Can a VGLI life insurance claim be denied if the veteran’s premium payment was made but applied to the wrong period?
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 or drug use even when the amounts were minimal?
Yes. Insurers may attempt to apply exclusions, but they must clearly establish that the exclusion applies.
Can a life insurance claim be denied for alleged criminal conduct without proof it caused the death?
No. Insurers must show both the conduct and a direct causal connection to the death.
Can a life insurance claim be denied if the cause of death is listed as pending or inconclusive?
Yes. Insurers may delay or deny claims, but they must eventually rely on confirmed findings.
Can a life insurance claim be denied based on selective interpretation of autopsy findings?
Yes. Insurers may rely on certain conclusions, but courts often require a full and balanced review.
Can a life insurance claim be denied for failure to provide documents that are unavailable or destroyed?
No. Insurers must consider whether the records can reasonably be obtained before denying a claim.
Can a life insurance claim be denied because the beneficiary submitted documents gradually?
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 appears clearly entitled?
Yes. Insurers often file interpleader actions whenever competing claims exist.
Can an ERISA life insurance claim be denied based on strict enforcement of plan terms?
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 major life change?
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 administrative 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
Accidental death exclusions for alcohol, drugs, or risky behavior
Lapse-related denials involving grace period errors or billing issues
Application misrepresentation disputes over outdated or minor disclosures
Beneficiary conflicts involving multiple claims or ex-spouses
Employer-provided ERISA life insurance denials
Areas We Serve Around Nashua
Including:
Downtown Nashua
French Hill
South End
North End
Broad Street Parkway
Amherst Street Corridor
Hollis and Merrimack (neighboring communities)
Whether your policy was purchased individually or through a New Hampshire employer, we have the experience and dedication to help you win your case.
What You Can Expect
Free initial consultation
No fee unless we win
Hands-on legal representation
Clear communication and support throughout your case
Call The Lassen Law Firm Today
To speak directly with attorney Christian Lassen, call 800-330-2274. We’ll review your case, explain your options, and begin the 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: 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!
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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 tried to connect my father’s death to an undisclosed pre-existing condition. Christian's firm reviewed the full medical file and showed it had no bearing. Within a month, we had the check.”- Susan B.
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.
