Gillette Life Insurance Lawyer
In Gillette, Wyoming, a city proudly known as the "Energy Capital of the Nation" due to its vital coal, oil, and gas industries, life insurance disputes can become an unexpected burden during an already difficult time. Whether caused by wrongful denials, payment delays, or complex beneficiary conflicts, these issues require swift and experienced legal action. At The Lassen Law Firm, we are dedicated to helping families in Gillette and throughout Campbell County recover the full life insurance benefits they are rightfully owed.
Whether you're near the bustling Downtown area, the peaceful Dalbey Memorial Park, or in the surrounding rural communities, our legal team brings national reach and local commitment to every client we serve.
Life Insurance Claim Denied in Gillette? We Can Help.
Insurance companies may deny claims for reasons that often don’t hold up under legal scrutiny, including:
Policy lapse disputes after years of coverage
Alleged misrepresentations on the original application
Exclusions based on suicide, substance use, or occupational hazards
Delays disguised as routine “investigations”
You don’t have to fight this alone. We take immediate legal action to hold the insurance company accountable and to demand full payment.
Beneficiary Disputes and Contested Claims in Wyoming
In many of our Wyoming cases, multiple people claim entitlement to the same policy payout. These beneficiary disputes often arise when:
A former spouse was never removed as beneficiary
A child or stepchild believes they were unfairly excluded
A caregiver or coworker was added as beneficiary under suspicious circumstances
Allegations of forgery, undue influence, or mental incompetence surface
Our firm has decades of experience resolving contested beneficiary cases, both in and out of court. We represent legitimate beneficiaries and intervene in interpleader actions when necessary.
Real Results for Real Clients
We’ve helped thousands of clients nationwide win back what they were promised. Recent victories include:
$110,000 recovered in a denied claim where the insurer falsely claimed the policy had lapsed
$500,000 secured for a Wyoming client cut out of a policy due to last-minute changes under duress
$200,000 won in a case involving alleged misrepresentation regarding a pre-existing health condition
Why Choose The Lassen Law Firm?
We handle life insurance claims. That’s all we do. With a national practice and a local focus, we represent clients across Wyoming and throughout all 50 states. While we are not licensed in every state, we partner with local counsel and use federal courts where needed to bring powerful, strategic representation to every case.
We work on contingency. No recovery, no fee.
Let us take the pressure off your shoulders and fight for the benefits your loved one intended for you.
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
Featured 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.