Principal Life Insurance Company v. Saugen

CourtDistrict Court, N.D. Illinois
DecidedApril 28, 2025
Docket1:23-cv-04203
StatusUnknown

This text of Principal Life Insurance Company v. Saugen (Principal Life Insurance Company v. Saugen) is published on Counsel Stack Legal Research, covering District Court, N.D. Illinois primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Principal Life Insurance Company v. Saugen, (N.D. Ill. 2025).

Opinion

UNITED STATES DISTRICT COURT NORTHERN DISTRICT OF ILLINOIS EASTERN DIVISION

PRINCIPAL LIFE INSURANCE CO., ) ) No. 23 CV 04203 Plaintiff, ) ) v. ) Magistrate Judge Young B. Kim ) MICAH T. SAUGEN and JAMES E. ) CONDRA, Individually and As ) Personal Representative of the ) Estate of Michael W. Condra, ) ) April 28, 2025 Claimants. )

MEMORANDUM OPINION and ORDER

Principal Life Insurance Company (“Principal”) filed this interpleader action against claimants Micah T. Saugen and James E. Condra (“James”)1 to determine the beneficiary of Decedent Michael W. Condra’s (“Michael”) life insurance policy (the “Policy”). Before the court is Saugen’s motion for summary judgment seeking the insurance proceeds. Although the Policy identifies Saugen as the primary beneficiary, Michael’s father, James, opposes the motion on the basis that Saugen poisoned Michael and is barred from receiving the benefits under the Illinois Probate Act of 1975, 755 Ill. Comp. Stat. 5/2-6, (the “Slayer Statute”). For the following reasons, Saugen’s motion is denied:

1 To avoid confusion, the court refers to Michael and James Condra by their first names throughout this opinion. Facts2 Saugen and Michael met in 2021 and eventually moved in together in May 2022. (R. 48, James’s Resp. to Saugen’s Statement of Facts and Statement of

Undisputed Facts (“JSOF”) ¶ 40; R. 53, Saugen’s Resp. to JSOF (“SRJSOF”) ¶ 40). Meanwhile, Michael enrolled in the Policy through his employer in March 2022, and designated his father as the primary beneficiary. (R. 44, Saugen’s Am. Statement of Undisputed Facts (“SASOF”) ¶ 9; R. 48, JSOF ¶ 9.) But on June 28, 2022, Michael submitted a change of beneficiary form, naming Saugen as the primary beneficiary of the Policy. (R. 44, SASOF ¶ 10; R. 48, JSOF ¶ 10.)

During their relationship, Saugen and Michael recreationally used drugs, including ketamine and gamma-hydroxybutyrate (“GHB”). (R. 44, SASOF ¶ 21; R. 48, JSOF ¶ 21.) Ketamine is an anesthetic that Saugen says causes the user to feel “airy, a little dissociative,” and carefree. (R. 42-1, Saugen’s Statement of Material Facts (“SSOF”), Ex. A, Dr. Adam Negrusz Ltr. at 2; id. Ex. D, Saugen Dep. at 23.) According to the U.S. Drug Enforcement Administration, ketamine use can produce “a state of sedation (feeling calm and relaxed), immobility, relief from pain,

and amnesia (no memory of events while under the influence of the drug),” and is “abused for its ability to produce dissociative sensations and hallucinations.” Drug Fact Sheet: Ketamine, Drug Enforcement Administration, https://www.dea.gov/sites/default/files/2020-06/Ketamine-2020.pdf (last visited April

2 Only those facts that are properly presented, supported, and relevant to the motion are considered. Because James filed certain information under seal, the court made efforts to avoid disclosing confidential information unless disclosure was necessary to explain its ruling herein. 25, 2025). Saugen and Michael used ketamine approximately three to four times per week from May through October 2022. (R. 48, JSOF ¶ 64; R. 53, SRJSOF ¶ 64.) GHB is a “potent central nervous system depressant” that is “widely

available, inexpensive, and therefore frequently abused.” (R. 42-1, SSOF Ex. A, Dr. Negrusz Ltr. at 2.) It causes a user to feel “inebriated” as if “on alcohol without the nausea” and “relaxed,” and excessive use can cause loss of consciousness and vomiting. (Id. Ex. E, Luke Meierdiercks Dep. at 44-45.) GHB is typically in liquid form and consumed like a shot or mixed into other drinks. (Id. at 47, Ex. A, Dr. Negrusz Ltr. at 2; R. 48 JSOF, Ex. F, Nick Negron Dep. at 35.) According to

James’s expert, Dr. Negrusz, a recreational dose of GHB can be difficult to determine but is believed to be between one to five grams. (See R. 42-1, SSOF, Ex. A, Dr. Negrusz Ltr. at 2.) Luke Meierdiercks, a friend of Saugen’s and Michael’s, estimated that a typical dose of GHB is approximately two milliliters, about two grams. (R. 42-1, SSOF, Ex. E, Meierdiercks Dep. at 45.) But the concentration of GHB in beverages can vary and the user is usually unaware of the exact dose. (Id. Ex. A, Dr. Negrusz Ltr. at 2.)

Different GHB concentrations in blood produce different effects on the user. Typically, concentrations under 52 mcg/mL produce wakefulness, those from 52 to 150 mcg/mL produce light sleep and euphoria, those between 150 to 260 mcg/mL produce moderate sleep, and concentrations higher than 260 mcg/mL produce deep sleep and can induce coma. (R. 48, JSOF, Ex. M, Cook Cnty. Med. Rep. at 12; R. 42- 1, SSOF, Ex. A, Dr. Negrusz Ltr. at 2.) As such, doses resulting in blood concentration up to 200 mcg/mL are considered therapeutic, while those resulting in concentrations between 200 mcg/mL up to 340 mcg/mL are considered toxic. (Id.) In fact, blood concentrations ranging from 220-4400 mcg/mL have been observed in

lethal GHB poisonings. (R. 42-1, SSOF, Ex. A, Dr. Negrusz Ltr. at 2.) Because of the potentially significant effects, GHB users are “very scientific” about the dose they consume and how frequently they consume such doses. (Id. Ex. E, Meierdiercks Dep. at 45.) But while Saugen, Michael, and their friends used a dropper to carefully measure the dose of GHB, (R. 48, JSOF ¶ 45; R. 53, SRJSOF ¶ 45), an individual’s “response to low oral doses is unpredictable

and variable within the same individual,” (R. 48, JSOF, Ex. M, Cook Cnty. Med. Rep. at 12). Saugen estimated Michael had used GHB between 15-30 times total. (R. 48, JSOF ¶ 19; R. 42-1, SSOF, Ex. D, Saugen Dep. at 17-19.) Combining GHB with ketamine can present additional uncertainty and danger. Indeed, Dr. Negrusz says that mortality rates associated with GHB are high, “especially when [GHB is] taken with dissociate anesthetic ketamine, and other central nervous system depressants.” (R. 42-1, SSOF, Ex. A, Dr. Negrusz Ltr. at 2.)

Saugen’s and Michael’s drug use led to several issues during their relationship. For example, Michael overdosed on GHB twice in the summer of 2022. (See R. 44, SASOF ¶ 22; R. 48, JSOF ¶ 22.) The first overdose caused Michael to become “paranoid.” (Id.) The second resulted in a loss of consciousness. (Id.) Additionally, Saugen’s drug use was described as a “stressor” in their relationship. (R. 48, JSOF ¶ 42; R. 53, SRJSOF ¶ 42.) For example, on October 7, 2022, after Michael refused to give Saugen money to buy drugs, Saugen locked himself in their bathroom, refused to talk to Michael, and broke up with him by text message. (R.53, SRJSOF ¶ 43; R. 42-1, SSOF, Ex. D, Saugen Dep. at 52-53.) At some point

between then and October 20, 2022, they ended their relationship. Saugen and Michael continued to share their apartment after their breakup, however, (R. 53, SRJSOF ¶ 44; R. 42-1, SSOF, Ex. D, Saugen Dep. at 55-57), and on the evening of October 26, 2022, Saugen prepared ramen noodles for himself and Michael at their apartment, (R. 48, JSOF ¶ 62; R. 53, SRJSOF ¶ 62). A short time later, Saugen and Michael took ketamine together and then watched a movie.

(R. 53, SRJSOF ¶¶ 62, 63.) They went to bed in separate bedrooms at about 11:30 p.m. (Id. ¶ 63; R. 42-1, SSOF, Ex. D, Saugen Dep. at 58.) The following morning, at about 8:15 a.m., Saugen noticed that Michael was not in the home office despite having a meeting scheduled for 8:00 a.m. (R. 53, SRJSOF ¶¶ 54, 66.) Saugen entered Michael’s bedroom and found Michael unresponsive. (Id. ¶¶ 54-55.) He called 911 and administered CPR until paramedics arrived. (Id.) Despite the effort, Michael was pronounced dead at about

9:00 a.m. (R. 48, JSOF, Ex. M, Cook Cnty. Med. Rep. at 4, 15.) While the police were still present in the apartment, Saugen called Meierdiercks, who arrived shortly thereafter. (R. 42-1, SSOF, Ex. E, Meierdiercks Dep.

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Principal Life Insurance Company v. Saugen, Counsel Stack Legal Research, https://law.counselstack.com/opinion/principal-life-insurance-company-v-saugen-ilnd-2025.