Roswell Life Insurance Lawyer
In Roswell, where Southwestern tradition meets a legacy of mystery and history, families dealing with denied or delayed life insurance benefits often face uphill battles with uncooperative insurers. At The Lassen Law Firm, we represent Roswell residents in recovering wrongfully denied, delayed, or disputed life insurance payouts, including challenging accidental death and dismemberment (AD&D) cases.
Attorney Christian Lassen, Esq. has over 25 years of experience dedicated solely to life insurance law. Having recovered hundreds of millions nationwide, our firm proudly helps families in Roswell when insurance companies refuse to pay.
Why Roswell Families Work With The Lassen Law Firm
Life Insurance Only
We do not handle personal injury or general civil litigation—only life insurance disputes.
Serving All 50 States
We represent clients in Roswell and across New Mexico, handling both group and private life insurance claims.
Work Directly With an Attorney
Clients are guided personally by Christian Lassen from start to finish, not passed to intake teams or assistants.
Roswell Case Examples
$670,000 Prudential payout for a widow in Roswell whose claim was denied after the insurer alleged the deceased withheld health information. We proved underwriting had waived the issue.
$610,000 Mutual of Omaha after an AD&D denial citing drug involvement. Toxicology showed prescription use within medical guidelines, and benefits were paid in full.
$530,000 employer-provided policy after a lapse dispute involving a missed premium during military deployment. Our investigation proved procedural errors by the insurer.
Types of Life Insurance Denials We Handle in Roswell
AD&D Claim Denials
Often based on questionable interpretations of accident or substance exclusions.
Policy Lapse Challenges
We verify whether the insurer followed required notice and grace period rules.
Application Misrepresentation
We challenge rejections based on outdated records or non-material health issues.
Beneficiary Disputes
Conflicts involving ex-spouses, disinherited relatives, or conflicting forms.
ERISA Claims
We handle appeals and lawsuits under federal law for denied employer-sponsored policies.
Roswell Areas We Serve
We assist clients across the Roswell area, including:
Downtown Roswell
Chaves County
International UFO Museum district
South Main
North Spring River
Sunset
Enchanted Hills
Bottomless Lakes area
We handle both individual policies and group coverage through New Mexico-based employers.
What to Expect From Us
Detailed policy analysis and investigation
Aggressive negotiation and litigation when necessary
Clear communication with insurers
Full legal support at every stage
You Don’t Pay Unless We Win
We charge no legal fees unless we recover money for you. Every case starts with a free consultation.
Call The Lassen Law Firm at 800-330-2274 to speak directly with attorney Christian Lassen today.
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 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 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.