Santa Fe Life Insurance Lawyer
In Santa Fe, where rich cultural heritage meets stunning Southwestern beauty, families navigating life insurance disputes often find themselves battling powerful insurers that delay or deny claims. At The Lassen Law Firm, we help Santa Fe residents recover wrongfully denied, delayed, or disputed life insurance benefits, including challenging accidental death and dismemberment (AD&D) cases.
Attorney Christian Lassen, Esq. brings more than 25 years of experience focusing exclusively on life insurance law. With hundreds of millions recovered for clients across the nation, our firm is proud to represent families throughout Santa Fe when insurance companies fail to pay what is owed.
Why Santa Fe Families Choose The Lassen Law Firm
Life Insurance Is Our Sole Focus
We don’t take car accident or injury cases—just life insurance claims and disputes.
Serving the entire U.S.
We handle private and employer-based life insurance cases nationwide, including throughout New Mexico.
Direct Access to a Veteran Attorney
Clients work directly with Christian Lassen, not paralegals or intake staff.
New Mexico Case Highlights
$690,000 Securian Life after an AD&D denial involving a fatal hiking incident in the Sangre de Cristo Mountains. We demonstrated the exclusion cited by the insurer was misapplied.
$620,000 Lincoln Financial for a Santa Fe beneficiary whose claim was denied due to an alleged application misrepresentation. Our review proved the insurer failed to conduct proper underwriting.
$560,000 New York Life after a lapse dispute related to a retiree's policy. The insurer failed to send required notices, and full recovery was secured.
Common Life Insurance Denials We Handle in Santa Fe
AD&D Denials
We challenge exclusions related to drug use, high-risk activity, or alleged criminal conduct.
Policy Lapses
We investigate whether proper lapse procedures and grace periods were followed.
Application Disputes
We fight back when insurers deny claims based on minor or irrelevant health history details.
Beneficiary Conflicts
We represent clients in disputes involving ex-spouses, contested wills, or outdated beneficiary forms.
ERISA Policy Appeals
We handle group policy denials for Santa Fe workers covered under federal benefits law.
Santa Fe Areas We Serve
We work with clients throughout the Santa Fe region, including:
Santa Fe Plaza
Canyon Road
Rancho Viejo
Eldorado
Tesuque
South Capitol
Sol y Lomas
Hyde Park Road
Agua Fria
Santa Fe County
Whether the policy was issued by a private carrier or provided through a New Mexico employer, we are here to help you recover what your loved one intended you to receive.
Our Services Include
Thorough review of all policy documents
Aggressive negotiation and litigation
Responsive, personal legal counsel
No upfront fees or hourly charges
No Recovery, No Fee
You owe nothing unless we win. Every case begins 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!
-
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.
-
No. In most states, insurers must send a written notice of overdue premiums and warn of pending lapse before terminating coverage.
-
The policy may still be enforceable. Beneficiaries can challenge the lapse based on the insurer’s failure to provide required notice.
-
Yes. If the insured dies during the grace period, the policy is still considered active, and benefits should be paid.
-
Yes. In group life insurance policies, employers sometimes fail to forward premiums properly, leading to wrongful lapse denials.
-
Yes. If automatic payment setups fail through no fault of the insured, lapses may be challenged.
-
Some policies automatically borrow against cash value to cover missed payments. Failure to apply this correctly can lead to wrongful lapse claims.
-
Possibly. Some courts excuse nonpayment if the insured was mentally incapacitated and missed premiums without proper notice.
-
No. Reinstatement must occur while the insured is alive, but wrongful lapse denials can still be challenged posthumously.
-
Not without following strict notice and grace period rules. Beneficiaries can often challenge technical denials.
-
Deadlines vary by state, but it’s critical to act within 1 to 5 years depending on the policy and jurisdiction.
-
Not necessarily. Payments mailed within grace periods or accepted by insurers may keep coverage active.
-
Bank records, payment receipts, insurer correspondence, and premium notices are key evidence.
-
If the insurer used an outdated address despite updated information, lapse denials can often be overturned.
-
Possibly. If the insured submitted a reinstatement application before death, it may help challenge a lapse denial.
-
In some states, special grace periods and protections applied during COVID-19 emergencies. They can help fight wrongful lapses.
-
Only if the insurer followed all legal notice and grace period requirements. Otherwise, beneficiaries may still recover.
-
Misapplied premiums can lead to wrongful lapses — and courts often hold insurers accountable for these errors.
-
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
-
“They accused my husband of intentionally misleading the insurer about a health issue. I was devastated. The Lassen team gathered the medical history, showed it was an honest mistake, and forced a reversal of the denial.”- Maria G.
Why The Lassen Law Firm Is Different
-
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.
-
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.
-
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.
-
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.