Cheyenne Life Insurance Lawyer
In Cheyenne, a proud capital city steeped in Western tradition, home to the world-famous Cheyenne Frontier Days, historic railroad landmarks, and a resilient community, life insurance claims often come at a time of immense grief. When benefits are denied, delayed, or disputed, families are left fighting for the support their loved one intended.
At The Lassen Law Firm, we help residents of Cheyenne and all of Laramie County recover the life insurance payouts they are rightfully owed. Whether you live near the bustling Downtown Depot Plaza, the peaceful trails of Lions Park, or a rural area beyond city limits, our experienced legal team delivers aggressive representation and personalized service every step of the way.
Cheyenne Beneficiary Disputes Are More Common Than You Think
Life insurance disputes involving competing beneficiaries are among the most frequent, and complex cases we handle in Wyoming. These include:
Ex-spouses and children disputing entitlement
Alleged forgery or undue influence during last-minute policy changes
Claims of mental incapacity when the beneficiary was changed
Disputes after divorce where no updated designation was made
We investigate swiftly, litigate strategically, and pursue the full death benefit on your behalf. If you're the rightful beneficiary, we will prove it and we won’t stop until justice is served.
Denied Life Insurance Claims in Wyoming
Cheyenne residents often contact us after receiving a denial letter from the insurance company, citing vague or unjustified reasons. Common denial tactics include:
Material misrepresentation on the application
Policy lapse due to non-payment
Suicide exclusion, even when not supported by evidence
Employer errors under group coverage plans
We know every insurer's playbook—and we’ve successfully forced reversals in hundreds of cases across the country.
Real Cases, Real Recoveries
We serve clients in all 50 states, and life insurance litigation is all we do. Recent results from our nationwide practice include:
$160,000 won in a beneficiary dispute between a current partner and an ex-spouse after a Wyoming policyholder passed away without updating their designation
$440,000 recovered after a denial based on misrepresented smoking status overturned with evidence of error
$250,000 secured for a widow after her husband’s group life policy was wrongfully voided due to an employer’s paperwork mistake
Initial consultations are free, and we charge no legal fees unless we recover compensation for you.
Speak With a Cheyenne Life Insurance Lawyer Today
If your claim has been denied or you’re involved in a dispute over who’s entitled to the benefits, don’t fight the insurance company alone. Our firm has the experience, track record, and legal firepower to protect your rights and maximize your recovery.
Contact us today for a free consultation.
Written & Reviewed by Christian Lassen, Esq.
Nationally recognized life insurance lawyer with 25 years of experience and hundreds of millions recovered.
Quoted in The Wall Street Journal (May 17, 2025)
Last reviewed: June 13, 2025 | Contact: 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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“I was told the life insurance policy had lapsed due to unpaid premiums. But Christian Lassen's team proved the company had failed to send proper notice. They fought back and got the policy reinstated retroactively. I’m incredibly grateful.”- James L.
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.