Grand Forks Life Insurance Lawyer
In Grand Forks, a historic Red River city known for its resilience and strong community values, families can still find themselves fighting powerful insurance companies after a life insurance claim is delayed, denied, or disputed. At The Lassen Law Firm, we represent Grand Forks residents facing wrongful claim denials, including disputes over accidental death, employer-based coverage, or lapsed policies.
Attorney Christian Lassen, Esq. brings over 25 years of experience handling life insurance cases exclusively. With hundreds of millions recovered nationwide, our firm stands by North Dakotans seeking fair treatment and financial justice.
Why Grand Forks Families Turn to The Lassen Law Firm
Focused on Life Insurance Law
We don’t divide our time between injury cases or other practice areas.
Serving the Entire Country
We handle cases in all 50 states, including federal ERISA claims for Grand Forks workers.
Direct Access to Your Attorney
You work one-on-one with Christian Lassen from consultation through resolution.
North Dakota Life Insurance Claim Successes
$720,000 for a Grand Forks client whose claim was denied based on alleged alcohol use in an accidental drowning. Our legal challenge proved the exclusion was misapplied.
$650,000 secured for a family after a denial citing incomplete application information. We demonstrated the insurer had enough data to issue the policy in good faith.
$580,000 for an employee covered under a group life plan whose claim was denied after the employer failed to enroll them properly. We pursued benefits through ERISA litigation.
Types of Life Insurance Cases We Handle in Grand Forks
Accidental Death (AD&D) Denials
Including claims denied due to drug or alcohol use or policy exclusions.
Lapsed Policy Disputes
We verify if grace periods and required notices were properly handled under North Dakota regulations.
Misrepresentation Claims
Challenging insurer allegations based on old or ambiguous application responses.
Beneficiary Disputes
Resolving conflicts involving multiple claimants, ex-spouses, or outdated documents.
Employer Group Policy Denials
We handle denials involving UND, healthcare systems, and other local employers under federal law.
Serving the Greater Grand Forks Region
We represent clients across:
Downtown Grand Forks
UND campus and University Park
Riverside
Belmont
South End
East Grand Forks (MN)
Surrounding areas of Grand Forks County
Whether your claim involves a major national insurer or an employer policy, we can help.
How We Help
In-depth legal review of your case
Direct insurer negotiations
State or federal litigation when needed
Responsive, client-focused service
No Fee Unless We Win
You pay nothing unless we recover benefits for you. Your consultation is free and completely confidential.
Call The Lassen Law Firm today at 800-330-2274 to speak directly with attorney 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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“My husband died overseas, and the insurer stalled the claim citing lack of documentation. The Lassen team got official death records from abroad, translated and authenticated them, and made the insurer pay. They truly handled everything.”- Patricia W.
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.