Life Insurance Lawyer Fargo ND
"Life Insurance Lawyers for Fargo, ND – The Lassen Law Firm" In Fargo, North Dakota’s largest city, celebrated for its welcoming community, vibrant arts scene, and stunning Red River Valley backdrop, navigating life insurance claims can still be a complex 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 Fargo secure the financial protection they deserve. Whether you’re near the lively downtown area, the serene Lindenwood Park, or anywhere across Cass 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 proven nationwide record of recovering hundreds of millions in life insurance claims, The Lassen Law Firm delivers compassionate advocacy, relentless representation, and trusted results for Fargo residents seeking justice in insurance disputes.
2025 Fargo ND Denied Life Insurance Claims
- Midland National interpleader $140,000.00
- AARP misrepresentation $250,000.00
- Fargo life insurance claim $201,000.00
- Glerber Life shooting denial benefits $200,000.00
- Transamerica beneficiary dispute $563,000.00
Fargo Denied Life Insurance Claims: Answers to Common Questions
Can a life insurance company in Fargo deny a claim based on failure to disclose a prior medical condition?
Yes, but we recently challenged a Fargo denial where the insurer couldn’t prove the undisclosed condition was material to the insured’s death.
Does North Dakota law revoke an ex-spouse’s right to collect life insurance after a divorce in Fargo?
Yes. We defended a Fargo son’s right to life insurance benefits when an ex-spouse tried to claim proceeds after the divorce invalidated their status.
What is an interpleader and how does it apply to life insurance cases in Fargo?
An interpleader lets a Fargo court decide between competing claimants. We recently resolved a Fargo case where both a fiancée and adult children claimed the policy.
Can a policy be considered lapsed in Fargo if the premium payment was only a few days late?
Not necessarily. We reinstated a Fargo life insurance claim after showing the insurer failed to send the required grace period notice.
What happens if a Fargo life insurance beneficiary died before the policyholder and no one else was listed?
In that case, the funds usually go to the estate. We helped a Fargo family recover delayed life insurance proceeds through the probate process.
Can alcohol or drug use result in a denied life insurance claim in Fargo?
Only if substance use clearly contributed to death. We reversed a Fargo denial where alcohol was wrongly cited but wasn’t a factor in the accident.
Can a Fargo resident challenge a last-minute change in life insurance beneficiary?
Yes. We overturned a Fargo beneficiary change after proving the insured lacked mental capacity in the weeks before death.
Is North Dakota a community property state, and does that impact life insurance disputes in Fargo?
No. We secured full benefits for a Fargo girlfriend who was properly named as the beneficiary, despite challenges from the deceased’s estranged spouse.
Can a life insurance company in Fargo deny a claim due to alleged forgery on a beneficiary form?
Yes. We successfully defended a Fargo claimant after handwriting analysis disproved accusations that the beneficiary designation was forged.
Are minor children in Fargo allowed to receive life insurance payouts directly?
No. We helped a Fargo guardian set up a court-approved custodial account to manage a minor’s life insurance inheritance.
Can a life insurance company delay a claim in Fargo without facing consequences?
Only briefly. We forced a Fargo insurer to pay interest and penalties after months of unjustified delays on a fully documented claim.
Can a will override a life insurance beneficiary designation in Fargo?
No. We defended a Fargo beneficiary’s payout when a will conflicted with the official beneficiary form on file with the insurer.
Are ERISA policies handled differently in Fargo life insurance disputes?
Yes. We handled a Fargo ERISA life insurance appeal, overcoming strict federal deadlines and securing the benefits after an improper initial denial.
Can someone outside the family be named as a life insurance beneficiary in Fargo?
Yes. We protected a Fargo caregiver’s right to a life insurance payout that the deceased had properly designated before death.
What happens if a Fargo insurer denies a claim due to “material misrepresentation”?
We overturned a Fargo denial after proving the alleged misstatement about minor prescription use was not material to the underwriting risk.
Can life insurance proceeds be split between multiple beneficiaries in Fargo?
Yes. We enforced a Fargo policyholder’s wishes for a 70/30 split between two siblings after the insurer mistakenly proposed equal shares.
What if a beneficiary change was written in a note but never sent to the insurer in Fargo?
It won’t be valid. We defended a Fargo widow’s beneficiary rights after distant relatives tried to introduce an unsent handwritten change.
Can life insurance be denied in Fargo due to suicide?
Only during the exclusion period. We recovered full benefits for a Fargo family after showing that the suicide occurred after the two-year window had expired.
How long do beneficiaries in Fargo have to challenge a denied life insurance claim?
North Dakota generally allows six years. We saved a Fargo claim just before the statute of limitations expired by filing promptly in state court.
Can a denied life insurance claim in Fargo be reopened with new evidence?
Yes. We successfully reopened a Fargo claim when new hospital records disproved the insurer’s original denial based on alleged pre-existing conditions.
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.