Fargo Life Insurance Lawyer
In Fargo, a growing city known for its friendly residents, cultural vibrancy, and Red River landscapes, life insurance companies still find ways to delay or deny legitimate claims. At The Lassen Law Firm, we help families in Fargo fight back after wrongful denials, lapses, exclusions, and disputes over accidental death policies.
Attorney Christian Lassen has spent more than 25 years handling life insurance cases exclusively. With hundreds of millions recovered for clients nationwide, our firm proudly supports Fargo families working to recover the benefits they are owed.
Why Fargo Families Turn to The Lassen Law Firm
Life Insurance Only
We don’t handle other types of law. Our sole focus is life insurance litigation.
Serving the Nation
We are qualified to represent clients in all 50 states, including those with North Dakota-based policies.
Direct Legal Access
You will work one-on-one with Christian Lassen throughout your case.
Results for Clients in the Region
$690,000 recovered after a lapse denial involving an employer-sponsored policy. We proved the employer failed to send required notices.
$625,000 from a denied AD&D policy after the insurer claimed the insured’s cause of death involved criminal activity. Our firm demonstrated the exclusion did not apply.
$560,000 paid to a Fargo widow after a misrepresentation denial was issued based on an outdated and incomplete application.
Types of Life Insurance Cases We Handle in Fargo
Accidental Death Denials
Including issues involving alcohol, drugs, or allegations of fault or misconduct.
Lapse or Nonpayment Disputes
We analyze whether notice and grace periods were properly handled under North Dakota law.
Claim Denials for Misstatements
We challenge denials based on minor or irrelevant discrepancies in the policy application.
Beneficiary and Contested Claims
We assist when multiple parties claim entitlement to the same benefit.
Employer Policy Denials
We represent Fargo employees denied coverage under group or ERISA-regulated plans.
Serving Fargo and Surrounding Communities
We assist clients across the Fargo metro area, including:
Downtown Fargo
West Acres
Southpointe
Osgood
Horace
North Fargo
Moorhead (MN side)
Bluemont Lakes
Woodhaven
No matter where your policy was issued or who your insurer is, we have the experience to hold them accountable.
What We Offer
Thorough case evaluation
Aggressive communication with insurance companies
State and federal litigation
Personal legal attention throughout the process
No Fee Unless We Win
You pay nothing unless we recover money for you. Start with a free and confidential consultation today.
Call The Lassen Law Firm at 800-330-2274 to speak directly with Christian Lassen.
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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“They alleged policy fraud and said they wouldn’t pay. But Christian Lassen’s firm uncovered emails showing the insurer had approved everything months earlier. They settled the case quietly and quickly once the truth came out.”- Linda T.
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.