Life Insurance Lawyer Minot ND
"Life Insurance Lawyers for Minot, ND – The Lassen Law Firm" In Minot, the "Magic City," celebrated for its welcoming community, Scandinavian heritage, and vibrant cultural festivals, navigating life insurance claims can still be a stressful 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 Minot secure the financial protection they deserve. Whether you’re near the lively Downtown district, the serene Oak Park, or anywhere across Ward 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 Minot residents seeking justice in insurance disputes.
2025 Minot ND Denied Life Insurance Claims
- Prudential coronavirus denial $50,000.00
- American National interpleader $410,000.00
- North American Life dispute $150,000.00
- Minot life insurance claim $600,000.00
- Globe long delay due to medical records $100,000.00
Minot 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, particularly during the contestability period. We recently overturned a denial in Minot 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 Minot?
Yes. In a recent case, we helped a Minot 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 Minot?
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 Minot family in a similar case where the insurer deposited the funds with the court for judicial determination.
Can a life insurance policy lapse in Minot over one missed payment?
Not if the insurer didn’t provide proper notice. We helped a Minot widow reinstate her spouse’s policy after proving that the insurer failed to notify the insured during his hospitalization.
What happens in Minot 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 Minot probate case for a surviving family member to recover life insurance proceeds.
Can life insurance be denied in Minot 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 Minot denial where the insurer wrongly applied a vague exclusion to a minor alcohol-related death.
Can someone in Minot 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 Minot 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 Minot?
No. We defended a Minot 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 Minot?
Challenge it immediately. We used expert handwriting analysis to successfully defend a Minot beneficiary’s rights after a forged form was submitted by a distant relative.
Can a minor child in Minot receive life insurance funds directly?
No. We assisted in setting up a guardianship for a minor in Minot to manage life insurance proceeds until the child reached adulthood.
What can I do if a Minot 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 Minot client when their insurer failed to act in a timely manner.
Can a handwritten beneficiary change be enforced in Minot?
Only if it was formally submitted to the insurer. We helped a Minot 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 Minot subject to different rules?
Yes, ERISA governs these policies. We successfully navigated a Minot 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 Minot?
Yes. We defended a Minot 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 Minot life insurance denial?
It refers to intentional false statements that affect the insurer’s decision. We overturned a Minot denial where the insurer used a minor and irrelevant misstatement to avoid paying out the claim.
Can life insurance benefits in Minot be divided unequally between multiple people?
Yes. The insured can assign percentages to each beneficiary. In a recent Minot 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 Minot?
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 Minot?
If the change wasn’t properly filed and accepted, the insurer will pay the last valid beneficiary designation on record. We successfully challenged a denial in Minot when the insurer ignored a submitted change and relied on an outdated beneficiary form.
Can a life insurance denial in Minot be reversed if new evidence is found?
Yes. We reopened a Minot life insurance claim after discovering medical records that disproved the insurer’s reason for denial.
What triggers an interpleader in Minot life insurance cases?
Interpleader typically occurs when multiple parties claim the same proceeds. We represented a Minot 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.