Portland ME Life Insurance Lawyer
In Portland, where cobblestone streets meet coastal charm, a denied or delayed life insurance claim can bring stress during your most difficult moments. At The Lassen Law Firm, we fight to get Portland families the payouts they are owed quickly and aggressively. Whether you’re dealing with a denied claim, a lapse dispute, or a contested beneficiary issue, we’re here to help.
Why Portland Families Choose The Lassen Law Firm
We handle life insurance claims exclusively
No distractions. Just deep expertise in denied or delayed life insurance matters.
Nationwide results, local focus
Led by Christian Lassen, Esq., a nationally recognized attorney with over 25 years of experience and hundreds of millions recovered for families nationwide.
You don’t pay unless we win
No upfront fees. We only get paid if you recover.
We Represent Policyholders in Portland and Across Cumberland County
Whether you're in Munjoy Hill, West End, Deering, or anywhere throughout Southern Maine, we take cases across the state without you ever needing to leave home. We handle everything remotely, and fast.
Common Cases We Handle
Denied claims due to alleged misrepresentation
Lapsed policy disputes from missed premiums
Claims denied during the contestability period
ERISA group policy disputes
Federal life insurance claims (FEGLI, SGLI)
Beneficiary conflicts and forged change forms
Real Results. Real Clients.
$800,000 recovered after a policy was deemed “inactive” due to late payment
$375,000 secured following a denied accidental death benefit
$1.5 million paid on a disputed ERISA policy covering a hospital employee
We Make Insurers Pay What’s Owed
Life insurance companies don’t want to pay. We make them. Let us fight for the payout your loved one intended you to have.
Call 800-330-2274 for a free consultation
Or submit your case online for immediate review.
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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“My mom died after a non-traditional medical procedure, and the insurer refused to pay. Lassen Law proved the treatment had nothing to do with the cause of death. They fought like it was their own family involved.”- Emily N.
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.