Life Insurance Lawyer Bismarck ND
"Life Insurance Lawyers for Bismarck, ND – The Lassen Law Firm" In Bismarck, North Dakota’s charming capital city, known for its stunning Missouri River views, rich history, and welcoming community, navigating life insurance claims can still be a challenging 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 Bismarck secure the financial protection they deserve. Whether you’re near the vibrant downtown area, the scenic Sertoma Park, or anywhere across Burleigh County, we provide trusted legal expertise and personalized care every step of the way. Our experienced and trusted North Dakota life insurance lawyers are here to help.
With a nationwide reputation for recovering hundreds of millions in life insurance claims, The Lassen Law Firm delivers compassionate representation, relentless advocacy, and trusted results for Bismarck residents seeking justice in insurance disputes.
2025 BismarCk ND Denied Life Insurance Claims
- Lincoln National interpleader $370,000.00
- ING shooting death denial $150,000.00
- Bismarck ND life insurance claim $506,000.00
- Globe Life suicide denial $30,000.00
- Senior Life beneficiary dispute $520,000.00
Bismarck Denied Life Insurance Claims: Answers to Common Questions
Can a Bismarck life insurance claim be denied if the insured left out a past diagnosis when applying?
Yes, but we recently reversed a Bismarck denial by showing the omitted condition had no connection to the cause of death.
Does North Dakota law revoke an ex-spouse’s beneficiary rights after divorce in Bismarck?
Yes. We helped a Bismarck daughter recover benefits after an ex-spouse’s claim was rejected under North Dakota’s automatic revocation law.
What happens if multiple people claim the same life insurance in Bismarck?
The insurer may file an interpleader. We recently represented a Bismarck family in court after a stepchild and surviving spouse both claimed the policy.
Can a Bismarck insurer declare a life insurance policy lapsed for missing one premium?
Only if they provided proper notice. We successfully reinstated a Bismarck policy after proving the insurer never sent the required grace period warning.
What if the life insurance beneficiary in Bismarck passed away before the insured?
If no alternate was named, the funds usually go to the estate. We helped a Bismarck widow claim proceeds that defaulted into probate.
Can life insurance be denied in Bismarck due to alcohol or drug use at the time of death?
Yes, but exclusions must be clear. We overturned a Bismarck denial where the insurer wrongly blamed a minor level of alcohol that didn’t cause the accident.
Can someone in Bismarck challenge a change in beneficiary made just before the insured died?
Yes. We invalidated a late Bismarck beneficiary change after proving the insured lacked mental capacity following hospitalization.
Is North Dakota a community property state, and does that affect life insurance in Bismarck?
No. We defended a named Bismarck beneficiary’s rights when estranged family members tried to argue for a share under mistaken community property claims.
What should I do if I suspect a forged beneficiary form on a Bismarck policy?
Challenge it immediately. We defended a rightful Bismarck beneficiary by securing expert handwriting analysis that exposed a forged change.
Can a minor child in Bismarck receive life insurance funds directly?
No. We helped set up a guardianship account for a Bismarck minor beneficiary so the payout could be properly managed until adulthood.
What if a Bismarck life insurance company delays payment for no clear reason?
Delays beyond a reasonable period can constitute bad faith. We forced a Bismarck insurer to pay the full claim plus interest after months of stalling.
Can a handwritten beneficiary change be enforced in Bismarck?
Only if properly submitted. We preserved a Bismarck widow’s rights after an insurer tried to enforce an unsigned, unsubmitted note.
Are employer-provided life insurance plans in Bismarck subject to different rules?
Yes. We handled a Bismarck ERISA life insurance case where federal law protected the original listed beneficiary despite divorce complications.
Can someone who is not related to the insured be named beneficiary in Bismarck?
Yes. We defended a Bismarck friend’s right to benefits after family members challenged the designation based on timing and suspicion.
How can a claim in Bismarck be denied due to “material misrepresentation”?
Only if it’s proven intentional and significant. We overturned a Bismarck denial by showing the alleged misrepresentation had no bearing on the underwriting decision.
Can life insurance in Bismarck be divided among multiple people?
Yes. We enforced a Bismarck policy’s instructions to split benefits unequally between siblings despite confusion over the percentages.
Can a will override a life insurance beneficiary designation in Bismarck?
No. We defended a Bismarck son’s right to proceeds even though the deceased’s will named different heirs.
What’s the deadline to file a life insurance lawsuit in Bismarck after a denial?
North Dakota generally allows six years. We filed a Bismarck lawsuit within the final months of the limitations period to protect the family’s rights.
Can a denied life insurance claim in Bismarck be reopened?
Yes. We reopened a Bismarck life insurance claim after obtaining new hospital records showing the original denial was based on incomplete facts.
What can trigger an interpleader case in Bismarck life insurance matters?
Conflicting claims often do. We handled a Bismarck interpleader when both a caregiver and estranged children asserted rights to the same policy.
For more information on insurance regulations and consumer protections in North Dakota, you can visit the North Dakota Insurance Department. Additionally, the National Association of Insurance Commissioners (NAIC) offers nationwide insurance resources.