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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

Q1: Can a divorced spouse in Great Falls still receive life insurance if listed on the policy?
No, unless they were reaffirmed after the divorce. Under Montana law, ex-spouse beneficiaries are automatically revoked following divorce unless specifically reinstated. We often see this issue with older policies held by Air Force veterans or public employees.

Q2: What if a Great Falls policy lapsed due to a missed premium while the insured was hospitalized?
If the insurer failed to provide a valid lapse notice or grace period, the policy might still be active. We regularly challenge lapse-based denials when the insurer didn’t follow Montana’s statutory requirements.

Q3: 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 specifically excludes such activities. Ranching and farming accidents are common in Cascade County, and we push back when insurers cite broad or undefined AD&D exclusions.

Q4: Does suicide void a life insurance claim in Great Falls?
Only during the suicide exclusion period — usually two years after the policy was issued. After that, suicide is covered. We also challenge denials when the death was improperly labeled as suicide.

Q5: What if a Malmstrom AFB service member left military coverage and missed a VGLI enrollment deadline?
This is common. If the member wasn’t properly informed of their conversion rights, their family may still recover benefits. We investigate paperwork lapses and advocate for military families facing this issue in Great Falls.

Q6: Can a claim be denied in Great Falls if the beneficiary is under investigation for the insured’s death?
Only if there’s sufficient legal proof. Montana’s slayer statute bars recovery only when the beneficiary intentionally caused the death. Suspicion or pending investigation isn’t enough.

Q7: Can a life insurance policy be rescinded for failing to disclose medication use?
Only during the contestability window — and only if the omission was intentional and related to the death. We challenge these denials when the medications were routine, irrelevant, or known to the insurer.

Q8: Can handwritten beneficiary changes be accepted by insurers in Great Falls?
Yes — Montana courts recognize clearly written, dated, and signed designations, even if not submitted through the insurer’s standard forms. We defend families when insurers attempt to reject informal changes.

Q9: Can a Great Falls life insurance claim be delayed due to rural death certificate issues or cross-county documentation problems?
Yes, delays are common when coroners in outlying areas are slow to finalize reports. But delay is not denial. We help families obtain and submit all required records from across Montana.

Q10: Can two relatives both claim the same policy in Great Falls if the beneficiary form is outdated or unclear?
Yes — and in these cases, the insurer may file an interpleader in Cascade County to let a court decide. These disputes often involve remarriages, adult children, and last-minute handwritten changes.

Q11: What happens if a Great Falls employer-sponsored policy was never finalized due to internal HR issues?
If the employee believed they had coverage, we may still argue for payment. Employers in healthcare, utilities, and education often mismanage enrollment — we hold them accountable when it costs families a valid benefit.

Q12: Can life insurance be denied in Great Falls if the policy contains a vague exclusion like “hazardous activity”?
Montana law requires insurance policies to be clear. If an exclusion is ambiguous, courts interpret it in favor of the beneficiary. We regularly challenge these denials based on outdoor or work-related incidents.

Q13: Can foreign death affect life insurance claims for Great Falls residents who travel internationally?
Yes, especially if documentation is incomplete. We assist in gathering translated death certificates, embassy verifications, and foreign coroner reports to validate international deaths.

Q14: Can a claim be denied for a death during a criminal act in Great Falls, like fleeing arrest or DUI?
Only if the death resulted directly from the criminal act and the policy includes a clear exclusion. We’ve defeated these denials when the link was indirect or the policy language was vague.

Q15: What if the insurer claims the initial premium bounced and the policy was never issued?
If any payment was accepted or the insurer issued policy paperwork, we may argue that coverage existed. These technical denials are common and often resolved in the beneficiary’s favor.

Q16: Can vague policy language like “improper treatment” or “non-compliance” be used to deny claims in Great Falls?
Only if the terms are clearly defined. Montana courts require that unclear exclusions be interpreted in the insured’s favor. We push back hard on denials based on ambiguous or catch-all terms.

Q17: Can late submission of forms or hospital records void a claim in Great Falls?
No. While late documentation can delay a claim, it does not justify denial. We help families gather the right forms, death certificates, and affidavits to complete the process and demand payment.

Q18: What if a Great Falls rancher had multiple overlapping policies — can the insurer deny based on “double coverage”?
Not usually. Beneficiaries may collect from multiple valid policies. We help sort out coordination issues when insurers try to deny based on duplicate coverage or “prior policy” clauses.

Q19: Can adult children challenge a spousal beneficiary in Great Falls if they suspect coercion or forgery?
Yes, but they must present clear evidence. We represent families in court disputes involving undue influence, especially when a caregiver or new spouse was added late in life under suspicious circumstances.

Q20: What legal remedies do Great Falls families have after a wrongful life insurance denial?
They can file a lawsuit for breach of contract and, if bad faith is proven, may also seek attorney fees, interest, and punitive damages. Montana law supports strong consumer protections in life insurance disputes.

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).