Bangor Life Insurance Lawyer
In Bangor, a historic city nestled along the Penobscot River and serving as the gateway to northern Maine, a denied life insurance claim can cause major financial stress during an already painful time. At The Lassen Law Firm, we represent families and individuals in Bangor and across Penobscot County in recovering wrongfully delayed or denied life insurance benefits.
Focused Exclusively on Life Insurance Litigation
With 25 years of experience and hundreds of millions recovered nationwide, attorney Christian Lassen has built a firm dedicated solely to life insurance disputes. We understand the tactics insurers use and how to beat them.
No Recovery. No Fee.
You pay absolutely nothing unless we win your case.
Serving All of Bangor and Penobscot County
Whether you’re in the heart of downtown Bangor, near Eastern Maine Medical Center, or further out in the county, we handle everything remotely. No office visit needed.
We Handle All Types of Life Insurance Denials
Claims denied due to alleged misrepresentation or application errors
Lapsed policies with reinstatement potential
Contestability denials within the first two years of coverage
Employer-provided group policy disputes (ERISA)
Competing beneficiary claims
Federal policy denials (SGLI, FEGLI)
Recent Wins Include
$750,000 recovered for a denied accidental death benefit
$500,000 paid after insurer claimed material misrepresentation
$1.2 million awarded in a complex beneficiary dispute involving fraud
Don’t Face the Insurance Company Alone
Insurance companies stall and deny to protect their profits. We fight back—and win.
Call 800-330-2274 now for a free consultation
You can also submit your claim online and receive a same-day response.
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!
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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 rejected our claim, saying the treatment my wife was undergoing wasn’t FDA-approved. The Lassen team got expert testimony and proved the procedure wasn’t the cause of death. That made all the difference.”- Anthony J.
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.