Bismarck Life Insurance Lawyer
In Bismarck, North Dakota’s capital city with deep roots and a proud riverside setting, families often face an uphill battle when life insurance companies delay, deny, or dispute valid claims. At The Lassen Law Firm, we help Bismarck residents recover the life insurance benefits their loved ones intended them to have, including denied accidental death and employer-sponsored policy claims.
Attorney Christian Lassen has handled life insurance cases exclusively for over 25 years. With hundreds of millions recovered nationwide, our firm supports Bismarck families with the experience and focus needed to win.
Why Bismarck Residents Trust The Lassen Law Firm
Life Insurance Law Is All We Do
No general practice, no injury law — just life insurance litigation.
Serving All 50 States
We take cases throughout North Dakota, including federal ERISA matters.
Direct Legal Representation
Clients work directly with attorney Christian Lassen from start to finish.
Successful Results in the Region
$705,000 for a Bismarck family after a lapse denial tied to incorrect billing during a medical leave period.
$630,000 in accidental death benefits following an insurer's rejection based on a toxicology report. We proved the exclusion did not apply under the policy terms.
$590,000 paid after a misrepresentation denial that stemmed from incomplete medical history questions. Our investigation showed no fraud occurred.
Types of Life Insurance Claims We Handle in Bismarck
Accidental Death Policy Denials
We take on claims denied due to alleged intoxication, illegal activity, or policy exclusions.
Lapsed Policy Disputes
Including failures to send proper notices or honor grace periods as required by North Dakota law.
Misrepresentation Allegations
We fight back when insurers deny claims based on trivial or misleading application issues.
Beneficiary Conflicts
We represent rightful beneficiaries when claims are held up by disputes or outdated documents.
Employer Group Policy Denials
We handle claims under ERISA and private employer plans, including appeals and lawsuits.
Serving the Bismarck Area
We represent clients throughout Bismarck and surrounding communities:
Downtown Bismarck
Sertoma Park area
North Hills
Lincoln
Southport
Highland Acres
Hay Creek
Mandan
Wherever your policy was issued, and no matter the insurance company, we’re ready to help.
What You Can Expect
Thorough claim analysis
Aggressive negotiations with insurers
Skilled litigation in state or federal court
Personal attention throughout your case
No Recovery, No Fee
We don’t charge unless we win your case. All consultations are free and confidential.
Call The Lassen Law Firm at 800-330-2274 to speak directly with Christian Lassen today.
Written & Reviewed by Christian Lassen, Esq.
National Life Insurance Attorney | 25+ Years of Experience
Quoted in The Wall Street Journal (May 17, 2025)
Last reviewed: June 13, 2025
Our FAQ
Have questions? We are here to help. Still have questions or can't find the answer you need? Give us a call at 800-330-2274 today!
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A grace period is the time after a missed payment during which the policy remains in force, usually 30 to 60 days depending on state law and policy terms.
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No. In most states, insurers must send a written notice of overdue premiums and warn of pending lapse before terminating coverage.
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The policy may still be enforceable. Beneficiaries can challenge the lapse based on the insurer’s failure to provide required notice.
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Yes. If the insured dies during the grace period, the policy is still considered active, and benefits should be paid.
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Yes. In group life insurance policies, employers sometimes fail to forward premiums properly, leading to wrongful lapse denials.
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Yes. If automatic payment setups fail through no fault of the insured, lapses may be challenged.
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Some policies automatically borrow against cash value to cover missed payments. Failure to apply this correctly can lead to wrongful lapse claims.
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Possibly. Some courts excuse nonpayment if the insured was mentally incapacitated and missed premiums without proper notice.
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No. Reinstatement must occur while the insured is alive, but wrongful lapse denials can still be challenged posthumously.
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Not without following strict notice and grace period rules. Beneficiaries can often challenge technical denials.
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Deadlines vary by state, but it’s critical to act within 1 to 5 years depending on the policy and jurisdiction.
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Not necessarily. Payments mailed within grace periods or accepted by insurers may keep coverage active.
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Bank records, payment receipts, insurer correspondence, and premium notices are key evidence.
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If the insurer used an outdated address despite updated information, lapse denials can often be overturned.
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Possibly. If the insured submitted a reinstatement application before death, it may help challenge a lapse denial.
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In some states, special grace periods and protections applied during COVID-19 emergencies. They can help fight wrongful lapses.
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Only if the insurer followed all legal notice and grace period requirements. Otherwise, beneficiaries may still recover.
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Misapplied premiums can lead to wrongful lapses — and courts often hold insurers accountable for these errors.
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An attorney can obtain records, challenge improper lapses, negotiate settlements, and litigate if necessary to enforce payment.
Our Clients Speak Volumes
The Right Choice for Your Claim
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“The insurer said the application wasn’t complete, so the claim couldn’t be processed. I felt helpless until I hired Lassen Law. They located the original records and showed that everything was properly submitted. Case closed.”- Christopher A.
Why The Lassen Law Firm Is Different
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Proven National ResultsRepresenting clients coast to coast and recovering hundreds of millions in denied life insurance claims, we secure justice and peace of mind for families everywhere.
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Recognized ExpertisePerfect 10.0 Avvo rating endorsed by over 1,700 attorneys; life member of the Multi-Million Dollar Advocates Forum; ranked among the top 1 percent of lawyers nationally for life insurance litigation.
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Client-First AdvocacyNo upfront fees: our contingency fee guarantee aligns our interests with yours; we provide personalized, compassionate representation from your initial consultation through resolution.
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Media & Community LeadershipQuoted in The Wall Street Journal and featured in leading legal publications; frequent speaker at national conferences; dedicated to charitable efforts supporting pediatric cancer care.