Worcester Life Insurance Lawyer
In Worcester, Massachusetts' "Heart of the Commonwealth," celebrated for its rich history and vibrant cultural scene, navigating life insurance claims can still be a challenging and frustrating experience, especially when benefits are unfairly delayed or denied. At The Lassen Law Firm, we are dedicated to helping families and individuals in Worcester secure the financial protection they deserve. Whether you’re near the iconic Worcester Art Museum, the serene Green Hill Park, or anywhere across Worcester County, we provide trusted legal expertise and personalized care every step of the way. Our experienced and trusted Massachusetts life insurance lawyers are here to help.
Led by nationally recognized attorney Christian Lassen, Esq., The Lassen Law Firm focuses exclusively on denied, delayed, or disputed life insurance claims. With over 25 years of experience and hundreds of millions recovered for beneficiaries nationwide, we fight for the outcomes our clients need and deserve.
Why Worcester Families Trust The Lassen Law Firm
Life Insurance Law Is All We Do: Our firm is devoted exclusively to life insurance denial cases.
Serving All 50 States: We handle employer-provided and private policies governed by both state and federal law.
Work With Christian Lassen Directly: Clients get one-on-one attention from the attorney who will litigate and negotiate on their behalf.
Success Stories for Massachusetts Clients
$760,000 settlement after a group life policy denial in Worcester. The insurer incorrectly claimed that coverage lapsed.
$700,000 payout after a denial based on a supposed misrepresentation about a pre-existing condition. We proved the medical information was fully disclosed.
$580,000 recovery for a claim denied due to intoxication. We showed the exclusion didn’t apply under Massachusetts law.
Types of Life Insurance Disputes We Handle
Accidental death and dismemberment (AD&D) exclusions
Grace period and lapse-related denials
Misrepresentation and contestability issues
Competing beneficiary claims and fraud investigations
ERISA group policy appeals and lawsuits
We Serve the Entire Worcester Area
Including but not limited to:
Downtown Worcester
Shrewsbury
West Boylston
Auburn
Millbury
Holden
Leicester
Grafton
Webster
No matter where you live in Worcester County or how the life insurance policy was issued, we are prepared to fight for your right to payment.
Why Choose The Lassen Law Firm
National experience with local insight
Direct access to an experienced attorney
Aggressive representation with no upfront fees
Free consultations and no fee unless we win
Contact Us for a Free Consultation
If you’ve received a claim denial or suspect your case is being unfairly delayed, don’t wait. Call 800-330-2274 today to speak directly with attorney Christian Lassen.
Written & Reviewed by Christian Lassen, Esq.
National Life Insurance Attorney | 25+ Years of Experience
Quoted in The Wall Street Journal (May 17, 2025)
Last reviewed: June 13, 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 husband didn’t list a prior policy cancellation, and they used that to deny our claim. Lassen Law proved it was irrelevant and unrelated to the cause of death. We received the benefit without a prolonged legal battle.”- Daniel S.
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.