Life Insurance Lawyer Grand Forks ND
"Life Insurance Lawyers for Grand Forks, ND – The Lassen Law Firm" In Grand Forks, a city known for its welcoming community, rich history, and picturesque Red River views, 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 dedicated to helping families and individuals in Grand Forks secure the financial protection they deserve. Whether you’re near the vibrant downtown area, the serene University of North Dakota campus, or anywhere across Grand Forks 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 Grand Forks residents seeking justice in insurance disputes.
2025 Grand Forks ND Denied Life Insurance Claims
- AIG sickness exclusion $120,000.00
- State Farm contestable period $293,000.00
- Grand Forks life insurance claim $502,000.00
- Foreign death denial resolved $1.500.000.00
- AAA misrepresentation on application $56,000.00
- Pacific Life stabbing felony denial $100,000.00
- Haven beneficiary dispute $88,000.00
Grand Forks Denied Life Insurance Claims: Answers to Common Questions
Can a Grand Forks life insurance claim be denied due to a missing medical detail on the application?
Yes, especially during the contestability period. We recently overturned a denial in Grand Forks where the insurer tried to use an undisclosed surgery to deny a claim, but the death was unrelated to the condition.
Does North Dakota law revoke an ex-spouse’s beneficiary rights after divorce in Grand Forks?
Yes. In a recent case, we helped a Grand Forks family recover benefits when an ex-spouse’s claim was denied due to North Dakota's automatic revocation rule.
Why would an insurance company file an interpleader lawsuit in Grand Forks?
When two individuals claim to be the rightful beneficiary—like a new partner and a former spouse—the insurer may file an interpleader. We represented a Grand Forks family in a similar case where the insurer deposited the funds with the court for judicial determination.
Can a life insurance policy lapse in Grand Forks over one missed payment?
Not if the insurer didn’t provide proper notice. We helped a Grand Forks widow reinstate her spouse’s policy after proving that the insurer failed to notify the insured during his hospitalization.
What happens in Grand Forks if the life insurance beneficiary passed away before the insured and no backup was listed?
If no contingent beneficiary is named, the proceeds typically go to the estate, triggering probate. We successfully navigated a Grand Forks probate case for a surviving family member to recover life insurance proceeds.
Can life insurance be denied in Grand Forks if the insured was intoxicated at the time of death?
Yes, if the policy includes a substance use exclusion and the intoxication contributed to the death. We recently overturned a Grand Forks denial where the insurer wrongly applied a vague exclusion to a minor alcohol-related death.
Can someone in Grand Forks challenge a last-minute change in life insurance beneficiary?
Yes. If the change occurred under suspicious circumstances, like mental impairment, it may be challenged. We helped a Grand Forks client reverse a beneficiary change made under duress by showing medical records and witness testimony.
Is North Dakota a community property state, and does that affect life insurance in Grand Forks?
No. We defended a Grand Forks client who was denied benefits by a surviving spouse claiming community property rights, which weren’t applicable under North Dakota’s laws.
What should I do if I believe the life insurance beneficiary designation was forged in Grand Forks?
Challenge it immediately. We used expert handwriting analysis to successfully defend a Grand Forks beneficiary’s rights after a forged form was submitted by a distant relative.
Can a minor child in Grand Forks receive life insurance funds directly?
No. We assisted in setting up a guardianship for a minor in Grand Forks to manage life insurance proceeds until the child reached adulthood.
What can I do if a Grand Forks life insurance company is dragging out payment?
If the delay is unreasonable, it may constitute bad faith. We successfully recovered the full claim and interest for a Grand Forks client when their insurer failed to act in a timely manner.
Can a handwritten beneficiary change be enforced in Grand Forks?
Only if it was formally submitted to the insurer. We helped a Grand Forks widow get her rightful benefits after the insurer tried to disregard a handwritten change that wasn’t submitted but was clearly intended.
Are employer-provided life insurance plans in Grand Forks subject to different rules?
Yes, ERISA governs these policies. We successfully navigated a Grand Forks case where an ex-spouse remained the beneficiary under federal law despite state revocation rules.
Can a non-family member be named as a life insurance beneficiary in Grand Forks?
Yes. We defended a Grand Forks beneficiary’s claim after a non-relative was suddenly named, arguing there was no fraud or undue influence despite family objections.
What does “material misrepresentation” mean in a Grand Forks life insurance denial?
It refers to intentional false statements that affect the insurer’s decision. We overturned a Grand Forks denial where the insurer used a minor and irrelevant misstatement to avoid paying out the claim.
Can life insurance benefits in Grand Forks be divided unequally between multiple people?
Yes. The insured can assign percentages to each beneficiary. In a recent Grand Forks case, we clarified the distribution when a beneficiary’s share was unclear due to a lack of specified percentages.
How long do I have to contest a denied life insurance claim in Grand Forks?
In North Dakota, you have six years to file a lawsuit. However, if the policy is under ERISA, deadlines may be shorter, so it’s best to seek legal advice promptly.
What happens if a life insurance beneficiary change was never submitted to the insurer in Grand Forks?
If the change wasn’t submitted or confirmed, the insurer will follow the last valid beneficiary designation on record. We successfully challenged a denial in Grand Forks when the insurer ignored a submitted change and relied on an outdated beneficiary form.
Can a life insurance denial in Grand Forks be reversed if new evidence is found?
Yes. We reopened a Grand Forks life insurance claim after discovering medical records that disproved the insurer’s reason for denial.
What triggers an interpleader in Grand Forks life insurance cases?
Interpleader typically occurs when multiple parties claim the same proceeds. We represented a Grand Forks client in an interpleader case where the insurer deposited the funds with the court, and a judge determined the rightful beneficiary.
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.