Eugene Life Insurance Lawyer
In Eugene, Oregon’s cultural capital known for its green spaces, university energy, and thriving arts scene, families facing life insurance claim issues often find themselves battling large insurance companies more focused on profits than fairness. At The Lassen Law Firm, we help Eugene residents resolve denied, delayed, or disputed life insurance claims including complex accidental death and group policy cases.
Attorney Christian Lassen, Esq. brings over 25 years of experience exclusively in life insurance law. With hundreds of millions recovered across the country, our firm proudly represents families throughout Eugene and Lane County.
Why Eugene Clients Trust The Lassen Law Firm
Life Insurance Law Is All We Do
We do not take on injury or general civil cases. Our focus is 100% life insurance.
Nationwide Representation
We serve all 50 states and handle both private and employer-sponsored policies.
Work Directly With Your Lawyer
From start to finish, Christian Lassen personally handles each case.
Notable Case Results for Oregon Clients
$720,000 in a denied AD&D claim after an insurer cited an alcohol exclusion. We proved the decedent was within the legal limit and the denial violated policy language.
$660,000 for a Eugene family whose group life policy was terminated during unpaid medical leave. We showed the insurer failed to comply with ERISA notice requirements.
$590,000 for a policy rescinded based on alleged misrepresentation. Our team established the application was completed in good faith and that the claim was wrongfully denied.
Types of Life Insurance Disputes We Handle in Eugene
Accidental Death Denials
We challenge exclusions involving drugs, alcohol, and misconduct, which are often used improperly.
Policy Lapse Disputes
We examine whether proper premium notices and grace periods were followed under Oregon law.
Alleged Misrepresentation
We defend against denial attempts based on inaccurate or outdated medical history.
Beneficiary Contests
Including disputes involving ex-spouses, stepchildren, or outdated designation forms.
ERISA Group Plan Denials
We represent employees and their families when employer-provided coverage is denied under federal law.
Areas We Serve in Eugene and Beyond
We work with clients throughout Lane County, including:
Downtown Eugene
South Hills
Whiteaker
Friendly
Amazon
River Road
Bethel
Coburg
Springfield
If your loved one had life insurance whether through an Oregon employer or a private policy we will fight to get you the benefits you are owed.
Our Legal Services Include
No-obligation consultations
Thorough claim investigation
Negotiation and litigation in state or federal court
No fee unless we recover compensation
Speak With a Life Insurance Lawyer Today
We handle cases on a contingency basis if we don’t win, you owe us nothing. Call today to get started.
Contact The Lassen Law Firm at 800-330-2274 to speak directly with Christian Lassen, Esq.
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!
-
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.