Life Insurance Lawyer Great Falls MT
"Life Insurance Lawyers for Great Falls, MT – The Lassen Law Firm" In Great Falls, a charming city known for its picturesque landscapes and the majestic Missouri River, 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 committed to helping families and individuals in Great Falls secure the financial peace of mind they deserve. Whether you’re near the scenic Giant Springs State Park, the historic downtown area, or anywhere across Cascade 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 record of recovering hundreds of millions in life insurance claims nationwide, The Lassen Law Firm delivers compassionate representation, relentless advocacy, and trusted results for Great Falls residents seeking justice in insurance disputes.
2025 Great Falls MT Denied Life Insurance Claims
- Monumental Life misrepresentation case $131,000.00
- Coronavirus death claim lawsuit settled $44,000.00
- VGLI primary beneficiary designation at issue $400,000.00
- USAA alcohol exclusion resolved $119,000.00
- Pacific Life accidental death question $124,000.00
- Great Falls Montana life insurance claim $530,000.00
- ING accidental beneficiary dispute $301,000.00
- Guardian Life interpleader lawsuit $60,000.00
- AD&D claim Great Falls Montana $50,000.00
- Christian Fidelity lapsed policy $25,000.00
Questions About Life Insurance Claims in Great Falls, Montana
Can a divorced spouse in Great Falls still collect life insurance if listed on the policy?
Not usually. Under Montana law, a divorce automatically revokes an ex-spouse’s beneficiary status unless the insured reaffirmed it. For example, we’ve handled cases involving Air Force veterans from Malmstrom AFB whose policies were never updated after divorce.
What if a Great Falls policy lapsed due to a missed premium while the insured was hospitalized?
If the insurer didn’t provide a valid lapse notice or grace period, the policy may still be active. We've successfully challenged lapse-based denials in Great Falls hospitals when families showed no notice was ever sent.
Can a life insurance claim be denied in Great Falls if the death occurred during ranch work or rural vehicle operation?
Only if the policy clearly excludes those activities. We often contest denials when ranchers or agricultural workers suffer accidental deaths and insurers rely on vague "hazardous occupation" language.
Does suicide void a life insurance claim in Great Falls?
Only within the suicide exclusion period — typically the first two years after the policy starts. We've also disputed claims where a death near Belt or Vaughn was wrongly categorized as suicide without sufficient evidence.
What if a Malmstrom AFB service member left military coverage and missed a VGLI enrollment deadline?
If the military failed to properly inform the service member of conversion rights, families may still recover. We’ve represented several Great Falls-area military families facing denied SGLI or VGLI transitions.
Can a claim be denied in Great Falls if the beneficiary is under investigation for the insured’s death?
Only if there’s enough legal proof. Montana’s slayer statute bars recovery only after conviction or sufficient civil evidence. In Great Falls, simple accusations or pending investigations aren’t enough to disqualify a beneficiary.
Can a life insurance policy be rescinded for failing to disclose medication use?
Only during the two-year contestability window, and only if the omission was intentional and related to the death. We've overturned denials involving blood pressure medications that insurers claimed should void a policy.
Can handwritten beneficiary changes be accepted by insurers in Great Falls?
Yes. Montana courts honor clearly written, signed, and dated beneficiary changes. We’ve validated handwritten forms completed at Benefis Health System just before a policyholder’s passing.
Can a Great Falls life insurance claim be delayed due to rural death certificate issues or cross-county documentation problems?
Yes, but delays do not equal denials. We've helped families retrieve missing coroner reports from Cascade County or remote jurisdictions to finalize stalled claims.
Can two relatives both claim the same policy in Great Falls if the beneficiary form is outdated or unclear?
Yes. The insurer may file an interpleader in Cascade County Court. We've represented families where remarried spouses and adult children disputed old versus new beneficiary designations.
What happens if a Great Falls employer-sponsored policy was never finalized due to internal HR issues?
If the employee relied on enrollment confirmation or benefit guides, we can often hold the employer or insurer responsible. We've handled this for healthcare and school district employees throughout Great Falls.
Can life insurance be denied in Great Falls if the policy contains a vague exclusion like "hazardous activity"?
No, not easily. Montana law requires that exclusions be specific. We've successfully contested denials where activities like horseback riding or ranch equipment use were wrongfully labeled hazardous.
Can foreign death affect life insurance claims for Great Falls residents who travel internationally?
Yes — documentation challenges can delay claims, but shouldn’t prevent payment. We help gather foreign death certificates, embassy confirmations, and translated documents to support international death claims.
Can a claim be denied for a death during a criminal act in Great Falls, like fleeing arrest or DUI?
Only if the criminal act directly caused the death and the policy contains a clear exclusion. We've fought these denials successfully when the criminal act wasn’t the real cause of death.
What if the insurer claims the initial premium bounced and the policy was never issued?
If the insurer later accepted payments or issued policy documents, we can argue coverage was in force. We've challenged these technical denial tactics in Great Falls courts and won.
Can vague policy language like "improper treatment" or "non-compliance" be used to deny claims in Great Falls?
Only if clearly defined — which is rare. Montana courts interpret unclear language in favor of the policyholder. We've forced insurers to pay when vague exclusions were unfairly cited.
Can late submission of forms or hospital records void a claim in Great Falls?
No. While it may slow the process, it doesn’t justify denial. We assist families in submitting complete affidavits, medical records, and final death certificates to finalize claims.
What if a Great Falls rancher had multiple overlapping policies — can the insurer deny based on "double coverage"?
No. Beneficiaries are usually entitled to collect from multiple valid policies. We've coordinated recoveries from both individual and employer-sponsored plans after ranching fatalities.
Can adult children challenge a spousal beneficiary in Great Falls if they suspect coercion or forgery?
Yes — but they need strong evidence. We've represented families in Cascade County when elderly parents were pressured into late beneficiary changes under suspicious circumstances.
What legal remedies do Great Falls families have after a wrongful life insurance denial?
They can sue for breach of contract, and if bad faith is proven, Montana law allows recovery of attorney fees, interest, and punitive damages. We've fought and won these cases for Great Falls families facing unjust denials.
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).