Rutland Life Insurance Lawyer
In Rutland, a historic Vermont city nestled in the heart of the Green Mountains, navigating life insurance claims can still be a daunting and stressful experience especially when benefits are wrongfully denied or delayed. At The Lassen Law Firm, we are committed to helping families and beneficiaries in Rutland secure the financial protection they deserve after the loss of a loved one.
Whether you’re near the bustling Downtown, the peaceful Pine Hill Park, or anywhere in Rutland County, we offer trusted legal guidance and personalized support every step of the way. We serve clients across Vermont and in all 50 states.
We Resolve Beneficiary Disputes in Rutland and Beyond
Life insurance disputes often arise when multiple parties claim they’re entitled to the same death benefit. Common conflicts include:
Ex-spouses vs. current partners
Children from different marriages
Last-minute beneficiary changes
Disputes over forged signatures or undue influence
Ambiguous or outdated beneficiary designations
These disputes are common and we know how to resolve them quickly and decisively.
If Your Life Insurance Claim Was Denied, We Can Help
Insurance companies routinely deny valid claims for reasons like:
Alleged misstatements on the application
Policy lapse due to missed premiums
Suicide, drug, or alcohol exclusions
Contestability challenges
Delays in submitting proof of death
We aggressively challenge wrongful denials to ensure your claim is paid.
Why Families in Rutland Trust The Lassen Law Firm
25+ years focused exclusively on life insurance
Serving clients in all 50 states
No legal fees unless we recover for you
Direct access to Christian Lassen—not passed off to staff
National reputation, local results
Serving All of Rutland County
Downtown Rutland
West Rutland
Proctor
Pittsford
Fair Haven
Brandon and nearby towns
Call 800-330-2274 today to schedule your free consultation.
Written & Reviewed by Christian Lassen, Esq.
Nationally Recognized Life Insurance Lawyer
Quoted in The Wall Street Journal (May 17, 2025) | 25 Years Experience | Hundreds of Millions Recovered
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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“My mom died after a non-traditional medical procedure, and the insurer refused to pay. Lassen Law proved the treatment had nothing to do with the cause of death. They fought like it was their own family involved.”- Emily N.
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.