Life Insurance Lawyer Minneapolis MN
"Life Insurance Lawyers for Minneapolis, MN – The Lassen Law Firm" In Minneapolis, a city celebrated for its vibrant arts scene, scenic lakes, and innovative spirit, navigating life insurance claims can still be a stressful and overwhelming experience—especially when benefits are unfairly delayed or denied. At The Lassen Law Firm, we are dedicated to helping families and individuals in Minneapolis secure the financial peace of mind they deserve. Whether you’re near the bustling Downtown area, the serene Chain of Lakes, or anywhere across Hennepin County, we provide trusted legal expertise and personalized support every step of the way. Our experienced and trusted Minnesota life insurance lawyers are here to help.
With a proven track record of recovering hundreds of millions in life insurance claims nationwide, The Lassen Law Firm delivers compassionate advocacy, relentless representation, and trusted results for Minneapolis residents seeking justice in insurance disputes.
2025 Minneapolis Denied Life Insurance Claims
- Gerber Life denied life claim $280,000.00
- SGLI change of beneficiary $300,000.00
- Minneapolis Minnesota COVID death denial $45,000.00
- Veterans Life dispute resolved $221,000.00
- AD&D claim Minneapolis Minnesota lawsuit $100,000.00
- Fabric changing life insurance beneficiary won $30,000.00
- Americo death due to marijuana use lawsuit $50,000.00
- Monarch husband & wife life insurance beneficiary $79,000.00
- AIG beneficiary dispute $500,000.00
- Minneapolis Minnesota denied life insurance claim $50,000.00
- Mutual of Omaha beneficiary dispute $2,000,000.00
- Choice Mutual death due to natural causes dispute $68,000.00
- Hazardous sports life insurance claim rejected $43,000.00
- Vantis interpleader lawsuit $250,000.00
Questions About Life Insurance Claims in Minneapolis, Minnesota
Can a divorced ex-spouse in Minneapolis collect life insurance benefits if still named as the beneficiary?
Usually not. Minnesota law automatically revokes an ex-spouse’s beneficiary status unless the insured explicitly reaffirmed them after divorce. In Minneapolis, this often arises with older, unupdated policies.
Can a Minneapolis claim be denied for failure to disclose a previous cancer diagnosis on the application?
Yes — particularly within the contestability period if the condition contributed to death. However, if the omission was unrelated, Minneapolis beneficiaries can often challenge the denial successfully.
Can a claim be denied if the Minneapolis insured died during a snowmobile accident?
Possibly. Some AD&D policies exclude hazardous recreation, but unless snowmobiling is clearly excluded, many Minneapolis families still recover benefits after a challenge.
Can a policy lapse in Minneapolis be challenged if the insurer never sent proper notice?
Absolutely. Minnesota law requires lapse notices and grace periods. Without proper notification, a policy lapse may be invalid, and claims are often still payable.
What if a University of Minnesota employee died after retirement but didn’t convert their group life insurance?
If they weren’t properly informed of their conversion rights, the employer or insurer may still be liable. We’ve recovered benefits for many Minneapolis retirees in this situation.
Can a claim be denied due to an ongoing investigation into the cause of death?
Insurers may delay claims temporarily, but they cannot deny without justification. We help Minneapolis families push claims forward by obtaining death certificates, autopsy reports, and medical examiner findings.
What happens if two people claim the same Minneapolis policy?
The insurer often files an interpleader in Hennepin County Court. The court reviews beneficiary forms, medical records, and evidence of intent to decide rightful ownership.
Can suicide void a Minneapolis life insurance policy?
Only during the two-year suicide exclusion window. After that, suicide is covered by Minnesota law. We also contest wrongful suicide-based denials where the cause of death is unclear.
Can life insurance be denied in Minneapolis due to foreign travel if the insured died overseas?
Only if the policy contains an explicit exclusion. Most modern policies still cover deaths abroad, and we assist Minneapolis families in collecting international proof of death.
What if a Fairview hospital employee in Minneapolis was never properly enrolled in their group life insurance?
If the employee believed coverage was active, we can often pursue claims against the employer or insurer despite enrollment errors, especially at major Minneapolis hospitals.
Can an AD&D claim be denied in Minneapolis if the insurer says the death was due to illness, not accident?
Yes, but these denials are often challengeable. We prove through medical evidence that external trauma — not illness — was the primary cause in many Minneapolis AD&D disputes.
Can a beneficiary in Minneapolis be denied due to suspected involvement in the insured’s death?
Only if there’s clear and convincing proof. Suspicion alone isn’t enough under Minnesota’s slayer statute to disqualify a Minneapolis beneficiary.
What if the policy language used to deny a Minneapolis claim is vague or confusing?
Minnesota courts construe ambiguity in favor of the insured. Vague language gives Minneapolis beneficiaries a strong legal advantage to challenge denials.
Can a Minneapolis claim be denied due to failure to report antidepressant use?
Only if the omission was intentional and materially related to death. Most denials based on antidepressants in Minneapolis are reversible if the medication didn’t contribute directly to death.
What if a Minneapolis employer offered life insurance but never deducted premiums?
If the employee reasonably believed coverage existed, we can pursue claims based on reliance and misrepresentation, even when payroll errors occurred.
Can foreign-language or handwritten beneficiary changes be upheld in Minneapolis courts?
Yes. If they clearly express the insured’s intent and aren’t contradicted by newer documents, Minnesota courts, including in Hennepin County, often honor them.
Can a claim be denied if the insured died while committing a felony in Minneapolis?
Yes — but the death must be directly caused by the felony. We have successfully challenged denials where the alleged crime was minor or unrelated to the fatal event.
Can life insurance be denied due to incomplete forms submitted by the beneficiary?
Only temporarily. We work with Minneapolis families to complete missing documentation — such as death certificates, hospital records, or identification — to finalize stalled claims.
What happens if the Minneapolis policyholder lied about tobacco use on the application?
If the lie was material and discovered within the contestability period, the insurer may try to rescind. But we often argue the death was unrelated or the insurer waived its right to deny by failing to investigate.
What legal options do Minneapolis families have after a wrongful denial?
Families can sue for breach of contract and, if insurers acted in bad faith, seek additional damages under Minnesota law — including attorney fees, interest, and punitive damages where appropriate.
The National Association of Insurance Commissioners (NAIC) offers nationwide insurance resources.