Lewiston Life Insurance Lawyer
In Lewiston, where deep roots and community values define the city, a denied life insurance claim can place even more stress on grieving families. At The Lassen Law Firm, we help people in Lewiston and throughout Androscoggin County recover the life insurance benefits they are rightfully owed. If your claim was delayed, denied, or disputed, we’re ready to act.
Trusted Nationwide, Focused on Maine
Christian Lassen, Esq., a nationally recognized life insurance attorney, has recovered hundreds of millions for clients across all 50 states. Our firm handles nothing but life insurance claim disputes and we do it with speed, precision, and compassion.
No Recovery. No Fee.
You’ll never pay us a cent unless we win your case.
We Serve All of Lewiston and Androscoggin County
Whether you’re near Bates College, the Androscoggin River, or further out in the Auburn-Lewiston metro area, we handle cases remotely and statewide, no office visits required.
What We Handle
Claims denied for alleged misrepresentation or non-disclosure
Policies voided during the contestability period
Lapse-related denials after missed premiums
ERISA claims involving employer-provided group policies
Disputes between multiple beneficiaries
Denials under federal plans like FEGLI or SGLI
Sample Recoveries
$425,000 paid after a group policy denial due to technical lapse
$600,000 won in a beneficiary dispute involving a forged change form
$2.1 million secured for a widow whose husband’s accidental death benefit was refused
Let Us Fight the Insurance Company For You
You don’t have to battle a billion-dollar insurer alone. We’ll get you answers and get you paid.
Call 800-330-2274 now for a free consultation
You can also submit your claim online and get 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 tried to connect my father’s death to an undisclosed pre-existing condition. Christian's firm reviewed the full medical file and showed it had no bearing. Within a month, we had the check.”- Susan B.
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.