Rio Rancho Life Insurance Lawyer
In Rio Rancho, one of New Mexico’s fastest-growing cities with breathtaking views of the Sandia Mountains and a strong sense of community, families facing life insurance claim denials often encounter resistance from large insurance companies. At The Lassen Law Firm, we help Rio Rancho residents resolve denied, delayed, or disputed life insurance claims, including contested accidental death and dismemberment (AD&D) benefits.
Attorney Christian Lassen, Esq. brings over 25 years of experience devoted exclusively to life insurance law. With hundreds of millions recovered nationwide, our firm is proud to represent families throughout Rio Rancho when their financial security is on the line.
Why Rio Rancho Families Choose The Lassen Law Firm
Life Insurance is All We Do
We don’t handle car accidents, slip-and-falls, or general litigation—just life insurance disputes.
Serving the Nation
Whether your policy is private or employer-sponsored, we serve clients in all 50 states, including across New Mexico.
Direct Access to Christian Lassen
You’ll work directly with an experienced attorney, not be handed off to staff or junior associates.
Recent Life Insurance Recoveries for New Mexico Clients
$730,000 Guardian Life for a Rio Rancho family after an AD&D denial related to a hiking accident in the Petroglyph National Monument area. We proved the exclusion was vague and unenforceable.
$615,000 Prudential after a claim was denied due to alleged misstatements on a policy application. Our investigation showed full disclosure was made at the time of purchase.
$588,000 Mutual of Omaha for a client whose group policy lapsed while they were on unpaid medical leave. We proved required lapse notices were never properly sent.
We Handle All Types of Life Insurance Disputes in Rio Rancho
Accidental Death & Dismemberment Denials
We challenge exclusions related to intoxication, hazardous activity, and alleged misconduct.
Lapsed Policy Claims
We review policy records to determine if lapse procedures were followed under New Mexico law.
Misrepresentation Allegations
Insurers frequently deny claims by stretching or misinterpreting old medical history.
Beneficiary Conflicts
We handle disputes involving ex-spouses, family disagreements, and ambiguous paperwork.
ERISA Policy Denials
We regularly litigate group life insurance denials for Rio Rancho employees under federal law.
Areas We Serve in and Around Rio Rancho
Our firm assists clients across the Rio Rancho area, including:
Cabezon
Loma Colorado
Enchanted Hills
Northern Meadows
City Center
Broadmoor Heights
High Range
Vista Entrada
Rivers Edge
Sandoval County
Whether your policy came through a private insurer or a New Mexico-based employer, we can help you recover what you’re owed.
What We Provide
In-depth claim review
Aggressive appeals and litigation
Responsive legal representation
Compassionate, client-centered service
No Recovery, No Fee
There’s no fee unless we win. Contact us for a free consultation today.
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 said my brother’s death during a jet ski accident wasn’t covered because it was a high-risk activity. Lassen Law Firm carefully reviewed the policy and forced the insurer to pay up. Their legal arguments were rock solid.”- Laura P.
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.