Spokane Life Insurance Lawyer
In Spokane, the "Lilac City," celebrated for its natural beauty, vibrant arts community, and welcoming spirit, navigating life insurance claims can still be a stressful and overwhelming experience, especially when benefits are unfairly delayed or denied. At The Lassen Law Firm, we are committed to helping families and individuals in Spokane and across the country secure the life insurance payouts they are rightfully owed.
Whether you’re near the bustling Downtown district, the peaceful Riverfront Park, or anywhere in Spokane County, we offer trusted legal representation and personalized attention. We serve clients in all 50 states and specialize in all types of life insurance disputes.
We Handle Beneficiary Disputes in Spokane
Many cases involve conflicts over who should receive the life insurance proceeds. We represent clients facing:
Challenges by ex-spouses or estranged relatives
Allegations of forgery or undue influence in beneficiary changes
Outdated or conflicting beneficiary forms
Simultaneous claims by multiple individuals
We resolve these disputes quickly and aggressively often without the need for litigation.
Additional Claim Types We Handle
Denied claims for alleged misrepresentation
Disputes over policy lapse or non-payment
Delays caused by unnecessary investigations
Contestability period denials
Claims involving accidental death or suicide exclusions
Recent Case Results
$500,000 recovered in a Washington beneficiary dispute involving an ex-spouse and adult children
$950,000 secured after wrongful denial for alleged material misrepresentation
$250,000 paid following delay tied to foreign death certification
Why The Lassen Law Firm
Serving clients in all 50 states
Over 25 years exclusively focused on life insurance litigation
Hundreds of millions recovered for clients
Nationally quoted in The Wall Street Journal
No fees unless we win
Call now for a 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 | Call 800-330-2274
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 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
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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.