Las Cruces Life Insurance Lawyer
In Las Cruces, a city known for its panoramic views of the Organ Mountains and rich Southwestern culture, families dealing with life insurance disputes often face resistance from powerful insurance companies. At The Lassen Law Firm, we represent Las Cruces residents in denied, delayed, or contested life insurance claims, including accidental death and dismemberment (AD&D) cases.
Attorney Christian Lassen, Esq. has more than 25 years of experience dedicated exclusively to life insurance law. With hundreds of millions recovered across the country, our firm is proud to stand with Las Cruces families fighting for the benefits their loved ones intended.
Why Las Cruces Clients Trust The Lassen Law Firm
We Focus Only on Life Insurance
Our firm handles no other type of legal case. We are life insurance specialists.
National Reach
Serving all 50 states, we help clients with both individual and employer-sponsored policies.
Work Directly with Attorney Lassen
You won’t be passed off to staff. You get hands-on representation from a national authority on life insurance litigation.
Notable Recoveries for New Mexico Clients
$710,000 Globe Life for a Las Cruces family after a wrongful AD&D denial stemming from a traffic collision near Highway 70. The insurer claimed a disqualifying medical condition, which we proved was unrelated.
$640,000 MetLife for a resident of Sonoma Ranch whose policy was declared lapsed during a period of disability. Our legal challenge demonstrated improper notification under policy terms and New Mexico law.
$595,000 Prudential after a claim was denied due to alleged misstatements on an application. We showed the insurer relied on outdated and incomplete records.
Las Cruces Life Insurance Claims We Handle
AD&D Denials
Including allegations related to intoxication, reckless behavior, or improper exclusions.
Lapsed Policies
We investigate whether policyholders received all legally required grace period and lapse notices.
Health History Disputes
Insurers often misapply vague or incorrect medical information to deny rightful claims.
Contested Beneficiaries
We represent rightful beneficiaries in cases involving will contests, divorce decrees, or disputed designations.
Employer-Based Group Policy Denials
Our team regularly handles denials under ERISA for Las Cruces workers and their families.
Areas We Serve in and Around Las Cruces
We assist clients throughout the Las Cruces region, including:
Sonoma Ranch
Mesilla
Picacho Hills
University Park
High Range
Downtown
Talavera
Northrise
East Mesa
Doña Ana
Whether your policy was purchased individually or provided through a job in Doña Ana County, we have the experience to pursue what you are owed.
Our Services Include
Thorough claim analysis
Appeals and litigation
Timely communication
Personalized representation at every step
No Fee Unless We Win
There are no upfront costs. We only get paid if we recover money for you.
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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“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.