Minot Life Insurance Lawyer
In Minot, known as the "Magic City" for its rapid growth and enduring community spirit, families often face an uphill battle when life insurance benefits are denied, delayed, or disputed. At The Lassen Law Firm, we fight for Minot residents struggling with complex insurance issues, from accidental death denials to ERISA-based employer group policies.
Attorney Christian Lassen, Esq. has focused exclusively on life insurance cases for over 25 years. With hundreds of millions recovered nationwide, our firm is proud to help North Dakotans recover the benefits their loved ones intended.
Why Minot Families Trust The Lassen Law Firm
Exclusive to Life Insurance Law
We do not split our focus between unrelated practice areas. Life insurance is all we do.
Serving the United States
We serve all 50 states and handle claims from private insurers and employer-sponsored plans across North Dakota.
Work Directly With Attorney Lassen
Clients receive dedicated legal attention from start to finish.
Life Insurance Claim Results for North Dakota Clients
$710,000 payout after an accidental death claim was denied based on a prescription medication interaction. We provided medical expert analysis that proved the cause was accidental and covered.
$645,000 recovery for a family whose policy lapsed due to missed premium notices. Our investigation showed the insurer failed to issue timely and legally compliant reminders.
$600,000 from a group life plan administered by a North Dakota employer. The insurer claimed the decedent was not eligible. We proved the employee had met all policy terms.
Common Types of Life Insurance Disputes We Handle in Minot
Accidental Death Denials
We challenge denials based on exclusions for drugs, alcohol, or alleged misconduct.
Lapse Disputes
We determine if the insurance company followed proper procedures before canceling a policy.
Application Misrepresentation
We defend against denials based on outdated or misunderstood health information.
Beneficiary Conflicts
We resolve competing claims from ex-spouses, children from different marriages, or incomplete forms.
Group Life Denials (ERISA)
We pursue claims under federal law for Minot employees covered through workplace policies.
Areas We Serve in and Around Minot
We represent clients throughout:
Downtown Minot
Oak Park
North Hill
Southwest Minot
Minot Air Force Base
Surrounding communities in Ward County
No matter where you live in the region, we’re here to help.
How We Help
Full claim reviews and case strategy
Aggressive insurer communications
State or federal litigation where needed
Direct access to your attorney
You Don’t Pay Unless We Win
Our firm charges no fee unless we recover money on your behalf. All consultations are free and completely confidential.
Call The Lassen Law Firm at 800-330-2274 to speak directly with attorney 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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“We were denied after my dad changed jobs and the company claimed he never converted his life insurance policy. Mr. Lassen found the paperwork showing he had. The check arrived a month later.”- Brian C.
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.