Life Insurance Lawyer Billings MT

"Life Insurance Lawyers for Billings, MT – The Lassen Law Firm" In Billings, Montana's largest city, nestled against the picturesque Yellowstone River and Rimrocks, navigating life insurance claims can still be a challenging and overwhelming process—especially when benefits are unfairly delayed or denied. At The Lassen Law Firm, we are dedicated to helping families and individuals in Billings secure the financial protection they deserve. Whether you’re near the bustling downtown area, the serene Pictograph Cave State Park, or anywhere across Yellowstone County, we provide trusted legal expertise and personalized guidance every step of the way. Our experienced and trusted Montana 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 Billings residents seeking justice in insurance disputes.

2025 Billings MT Denied Life Insurance Claims

Garden State Life denial misrepresentation $91,000.00
TIAA-CREF ex-spouse contested it $75,000.00
Sagicor COVID-19 death resolution $59,000.00
Disabled Veterans primary beneficiary $106,000.00
INDEX life lapse of policy death $103,000.00
AD&D claim in Billings Montana $101,000.00
VGLI housekeeper beneficiary change $400,000.00
Oxford Life coronavirus death claim $99,000.00
CIGNA prescription drug exclusion $193,000.00
Zurich Life misrepresentation $349,000.00
Billings Montana life insurance claim $20,000.00
Physician's Mutual beneficiary dispute $500,000.00

Questions about life insurance claims in Billings

Q1: Can an ex-spouse collect life insurance in Billings if they were never removed after the divorce?
Not unless the policyholder clearly reaffirmed the designation after the divorce. Under Montana law, a divorce revokes an ex-spouse’s beneficiary status by default. We often see this issue with long-standing policies in the Billings area.

Q2: Can a Billings life insurance claim be denied due to a missed payment if the insurer never sent notice?
No. Montana requires insurers to provide notice and a grace period before lapsing a policy. If the insured didn’t get proper warning, we can often challenge the lapse and enforce the coverage.

Q3: Can a claim be denied in Billings if the insured died while working in the oilfields or on a ranch?
Only if the policy clearly excludes high-risk occupations or activities. Many AD&D denials in Montana use broad language, but vague exclusions can be challenged, especially when the job was known to the insurer.

Q4: Can suicide void a life insurance policy in Billings?
Only within the suicide exclusion period, which is usually two years from the policy start date. After that, suicide is covered under Montana law. We also contest cases where suicide is wrongly alleged or unclear.

Q5: What if the insured in Billings had group life insurance through a hospital but never signed a final enrollment form?
If the employee relied on HR communication or received benefit summaries, we may argue that the insurer or employer is still responsible. This issue often comes up with staff at Billings Clinic or St. Vincent.

Q6: Can two people claim the same life insurance policy in Billings?
Yes. In that case, the insurer may file an interpleader in Yellowstone County District Court. We represent families in these disputes when handwritten changes, outdated forms, or last-minute updates cause confusion.

Q7: Can a claim be denied in Billings for failure to disclose anxiety, depression, or other mental health conditions?
Only if the omission was intentional, material, and within the contestability period. Many mental health-related denials in Montana are based on stigma, not substance, and we regularly challenge them.

Q8: Can a handwritten note changing the beneficiary be valid in Billings?
Yes — Montana courts will uphold handwritten changes if they show clear intent, are signed and dated, and aren't superseded by later documents. We’ve seen these honored even when the insurer tried to reject them.

Q9: Can a claim be delayed in Billings due to missing rural death records or incomplete medical files?
Yes, but delays are not the same as denials. We help families obtain coroner reports, tribal documentation, and death certificates even from remote areas to complete and support valid claims.

Q10: Can a claim be denied in Billings if the death occurred while committing a crime?
Only if the policy includes a criminal activity exclusion and the crime directly caused the death. We’ve contested denials where the alleged offense was minor or the link to death was too indirect.

Q11: What if a tribal member died on reservation land and the death certificate wasn’t immediately filed in Montana?
We help families navigate tribal and state records, obtain notarized confirmations, and ensure compliance with insurer requirements. Lack of formal paperwork doesn’t mean the claim should be denied.

Q12: Can a Billings life insurance claim be denied for “fraud” if the insured forgot to disclose past hospitalizations?
Not unless the omission was intentional and related to the cause of death. We’ve challenged many of these denials, especially when the insurer failed to investigate obvious inconsistencies before issuing the policy.

Q13: Can prescription drug use cause denial of a Billings life insurance claim?
Only if the use was excluded by the policy or the drugs caused the death. If the medication was prescribed and taken properly, the denial is likely challengeable.

Q14: Can a beneficiary in Billings be disqualified under Montana’s slayer statute?
Yes — if there is sufficient legal evidence that the beneficiary intentionally caused the death. Accusations or suspicion alone are not enough to disqualify a beneficiary under Montana law.

Q15: Can a life insurance claim be denied in Billings for vague reasons like “noncompliance” or “undisclosed condition”?
These reasons are often red flags. Montana law favors the insured when policy terms are vague or exclusions are unclear. We scrutinize denials based on ambiguous phrases and fight for beneficiaries.

Q16: Can a claim be denied if the policyholder died abroad and there’s no U.S. death certificate?
It may be delayed, but it shouldn't be denied outright. We help Billings families gather translated and notarized foreign death records, including embassy reports, to support valid international claims.

Q17: What if a returned premium check caused the policy to lapse in Billings?
If the insurer failed to notify the insured or accepted later payments, the lapse may be invalid. We review all communications and bank records to determine whether coverage should have remained active.

Q18: Can job changes void a life insurance policy in Billings if the insured didn’t update the insurer?
Only if the job change significantly increased risk and the policy required notification. We fight denials where the occupation wasn’t relevant or the change occurred after the contestability window.

Q19: Can missing documents from the beneficiary delay or void a life insurance claim in Billings?
Only delay. We assist families in completing paperwork — including affidavits, IDs, and account information — to ensure no technicality is used as a reason for denial.

Q20: What legal action can families in Billings take if a life insurance claim is denied?
They can file a lawsuit for breach of contract and, if the denial was in bad faith, seek additional damages. Montana law allows recovery of interest, legal fees, and punitive damages if the insurer acted unfairly or dishonestly.

For more information on insurance regulations and consumer protections in Montana, you can visit the Montana Commissioner of Securities and Insurance or explore nationwide insurance resources through the National Association of Insurance Commissioners (NAIC).