Albuquerque Life Insurance Lawyer
In Albuquerque, New Mexico’s largest city and cultural heart, families facing life insurance disputes are often forced to battle large insurance companies that delay or deny rightful claims. At The Lassen Law Firm, we help Albuquerque residents recover denied, delayed, or disputed life insurance benefits, including complex accidental death and dismemberment (AD&D) cases.
Attorney Christian Lassen, Esq. brings more than 25 years of experience focused solely on life insurance law. With hundreds of millions recovered nationwide, our firm proudly supports families throughout Albuquerque who need strong legal representation to secure the benefits their loved ones intended.
Why Albuquerque Families Choose The Lassen Law Firm
Life Insurance Is All We Do
We do not handle personal injury or general practice matters—only life insurance disputes.
Serving All 50 States
We represent clients in New Mexico and across the country, including employer-sponsored and individual policies.
Direct Access to Christian Lassen
Your case is handled personally by a nationally recognized life insurance attorney, not passed off to junior staff.
Notable Results for New Mexico Clients
$730,000 Lincoln Financial for an Albuquerque family after a denied AD&D claim involving an off-road vehicle incident near Sandia Peak. The insurer alleged an excluded activity, but we proved the event qualified under policy terms.
$645,000 Prudential Life for a client in the Nob Hill area whose group life coverage was canceled during unpaid leave. Our legal strategy revealed ERISA violations by the employer and insurer.
$600,000 Transamerica for a South Valley beneficiary accused of fraud due to outdated health records. We proved the records were immaterial and secured full payment.
Types of Life Insurance Disputes We Handle in Albuquerque
AD&D Denials
Including exclusions related to intoxication, criminal conduct, or unsafe recreational activity.
Lapse Disputes
We investigate whether proper notices were issued before termination, especially under New Mexico law.
Misrepresentation Allegations
Commonly raised for alleged omissions in medical history or prescription use.
Beneficiary Conflicts
Involving ex-spouses, multiple claimants, or recent changes in beneficiary designations.
ERISA Group Policy Denials
We routinely litigate group policy denials for workers employed by Albuquerque-based companies.
Albuquerque Areas We Serve
We represent clients throughout the Albuquerque metro area, including:
Old Town
Nob Hill
Downtown
North Valley
South Valley
University Area
Balloon Fiesta Park Area
Taylor Ranch
Four Hills
West Mesa
Whether your policy was issued through an employer or purchased individually, we have the knowledge and experience to pursue a full recovery.
What We Provide
Comprehensive claim evaluation
Aggressive appeal and litigation strategies
Responsive and clear legal communication
No-cost, no-obligation consultations
No Fee Unless We Win
You pay nothing unless we recover money for you. Every case begins with a free consultation.
Call The Lassen Law Firm at 800-330-2274 to speak directly with attorney Christian Lassen.
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 application wasn’t complete, so the claim couldn’t be processed. I felt helpless until I hired Lassen Law. They located the original records and showed that everything was properly submitted. Case closed.”- Christopher A.
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.