El Paso Life Insurance Lawyer
In El Paso, a culturally vibrant city known for its scenic beauty and tight-knit community, families dealing with life insurance disputes often face an uphill battle. Whether your claim has been wrongfully denied, delayed, or tied up in a legal dispute over who should receive the benefits, The Lassen Law Firm is here to help. We represent clients throughout El Paso and across El Paso County in all types of life insurance conflicts including those involving accidental death claims and interpleader lawsuits.
Attorney Christian Lassen, Esq. brings over 25 years of experience in life insurance law alone. With hundreds of millions recovered for beneficiaries across the United States, our firm offers the focused legal firepower El Paso families can rely on.
Why El Paso Residents Trust The Lassen Law Firm
Focused Legal Practice
We don’t dabble in other practice areas. We only handle life insurance cases.
Nationwide Coverage, Texas Focus
We serve all 50 states, and we routinely litigate group and individual life insurance claims in Texas.
Direct Attorney Access
You work directly with attorney Christian Lassen—not an assistant or intake manager.
Recent Texas Case Results
$880,000 recovered for an El Paso family denied AD&D benefits after a fatal hiking fall in the Franklin Mountains. The insurer claimed “hazardous activity” exclusions our litigation proved otherwise.
$760,000 from a group life policy after a local defense contractor terminated a worker without proper COBRA notice. We challenged the lapse and secured full payment.
$645,000 awarded in a complex beneficiary dispute where both a current spouse and adult children claimed the policy. We proved the decedent had made a valid last-minute change.
We Handle Beneficiary Disputes and Interpleader Lawsuits in El Paso
One of the most common reasons life insurance is delayed in El Paso is due to a dispute over who should get the money. When there’s a conflict between a surviving spouse, ex-spouse, children, or others, the insurance company often files an interpleader lawsuit in federal or state court to avoid liability.
Our firm has extensive experience representing clients in beneficiary disputes involving:
Claims from multiple named beneficiaries
Disputes involving divorce decrees and Texas Family Code
Undue influence and competency challenges
Conflicts between new spouses and prior children
Missing or forged beneficiary change forms
Employer paperwork errors in group policies
We handle the full interpleader process—from responding to court filings to aggressively asserting your rights in front of a judge. If you’ve been notified of a dispute or interpleader action, do not wait to protect your claim.
Other Life Insurance Disputes We Handle
AD&D Claim Denials
We fight wrongful exclusions related to drug use, suicide accusations, or criminal activity claims that don’t meet the policy definition.
Policy Lapses and Nonpayment Disputes
We determine whether notice requirements were met under Texas law and expose errors that insurers use to avoid paying out.
Misrepresentation Accusations
We challenge denials based on minor or unintentional errors in the original application especially when they’re raised years after the fact.
ERISA Group Policy Denials
If your coverage was employer-based, we handle all federal appeals and litigation related to group plans under ERISA.
Areas We Serve in and Around El Paso
Downtown El Paso
East Side
Mission Valley
West El Paso
Central El Paso
Northeast El Paso
Socorro
Canutillo
Horizon City
Fabens
Clint
What You Get With The Lassen Law Firm
Aggressive legal representation backed by decades of experience
Complete claim investigation and insurance carrier negotiation
No-cost consultations and no fees unless you win
Clear, responsive communication at every stage
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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“The insurer said my wife’s death was suicide and refused to pay, citing a policy exclusion. I knew that wasn’t true. The team at Lassen Law proved the exclusion period had ended. They handled everything and got me justice.”- Robert S.
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.