Auburn Life Insurance Lawyer
In Auburn, a historic city along the Androscoggin River known for its strong sense of community, a denied life insurance claim can leave families financially vulnerable during an already painful time. At The Lassen Law Firm, we represent Auburn residents and families across Androscoggin County in fighting back against unfair claim delays and denials.
Focused Exclusively on Life Insurance Denials
Led by nationally recognized attorney Christian Lassen, our firm handles nothing but life insurance disputes. We’ve recovered hundreds of millions for beneficiaries just like you.
No Fees Unless We Win
We work on a contingency fee basis. That means no upfront cost to you—and no fee at all unless we recover your life insurance payout.
Serving Auburn and All of Androscoggin County
Whether you're in downtown Auburn, near Festival Plaza, or across the river in Lewiston, we handle your case virtually. There’s no need for an office visit. We move fast and aggressively pursue your claim.
We Handle All Types of Life Insurance Disputes
Claim denials due to misrepresentation or application issues
Lapsed policies (often still collectible)
Denials within the contestability period
Employer-provided group life (ERISA) claims
Beneficiary disputes or multiple claims
Federal life insurance (FEGLI, SGLI)
Why Auburn Families Choose Us
25+ years of national life insurance litigation experience
Hundreds of millions recovered for clients in all 50 states
Known and respected by life insurance companies and feared in court
Personal, aggressive, and fast legal support
Call 800-330-2274 now for a free consultation
You can also submit your claim online and receive a same-day evaluation.
Written & Reviewed by Christian Lassen, Esq.
National Life Insurance Lawyer | 25+ Years’ Experience
Quoted in The Wall Street Journal (May 17, 2025)
Last reviewed: June 12, 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!
-
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.
-
No. In most states, insurers must send a written notice of overdue premiums and warn of pending lapse before terminating coverage.
-
The policy may still be enforceable. Beneficiaries can challenge the lapse based on the insurer’s failure to provide required notice.
-
Yes. If the insured dies during the grace period, the policy is still considered active, and benefits should be paid.
-
Yes. In group life insurance policies, employers sometimes fail to forward premiums properly, leading to wrongful lapse denials.
-
Yes. If automatic payment setups fail through no fault of the insured, lapses may be challenged.
-
Some policies automatically borrow against cash value to cover missed payments. Failure to apply this correctly can lead to wrongful lapse claims.
-
Possibly. Some courts excuse nonpayment if the insured was mentally incapacitated and missed premiums without proper notice.
-
No. Reinstatement must occur while the insured is alive, but wrongful lapse denials can still be challenged posthumously.
-
Not without following strict notice and grace period rules. Beneficiaries can often challenge technical denials.
-
Deadlines vary by state, but it’s critical to act within 1 to 5 years depending on the policy and jurisdiction.
-
Not necessarily. Payments mailed within grace periods or accepted by insurers may keep coverage active.
-
Bank records, payment receipts, insurer correspondence, and premium notices are key evidence.
-
If the insurer used an outdated address despite updated information, lapse denials can often be overturned.
-
Possibly. If the insured submitted a reinstatement application before death, it may help challenge a lapse denial.
-
In some states, special grace periods and protections applied during COVID-19 emergencies. They can help fight wrongful lapses.
-
Only if the insurer followed all legal notice and grace period requirements. Otherwise, beneficiaries may still recover.
-
Misapplied premiums can lead to wrongful lapses — and courts often hold insurers accountable for these errors.
-
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
-
“They tried to deny my mom’s claim by referencing a vague exclusion clause. Christian quickly proved the exclusion didn’t apply. What seemed impossible at first became a closed case thanks to their persistence.”- Thomas E.
Why The Lassen Law Firm Is Different
-
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.
-
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.
-
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.
-
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.