Life Insurance Lawyers in Alabama

Get Your Rightful Benefits with $0 Upfront

✓ No Fee Unless We Win
✓ Free Case Evaluation
✓ Nationwide Representation

Fight Back Against Claim Denials & Get Every Penny You’re Owed

A denied life insurance claim can come down to an application answer, a missed premium, an exclusion, or another policy issue.

Our Alabama life insurance lawyers dig into the reason for nonpayment and the records behind it.

Our life insurance lawyers have 20+ years of experience handling denied and delayed claims, ERISA disputes, accidental death (AD&D) denials, and TSGLI disputes for beneficiaries across the country.

We’ve recovered over $200 million for beneficiaries in Alabama and nationwide, including clients in Florida, California, New Jersey, New York, and Texas.

If the insurer’s explanation doesn’t match the policy, evidence, or Alabama law, we will pursue every dollar you’re owed.

“This was truly a difficult case, these guys are a true championship team.”

Hear From Beneficiaries We’ve Helped

“5 stars is just not enough for Mr. Boonswang (Chad) and his team. This is the firm that you want to have on your side when you are facing intricate legal problems. They are incredibly professional, empathetic, and knowledgeable. Excellent communication. Easy to work with. Chad went above and beyond on our case- we can't recommend Boonswang Law enough!”

“They have been awesome with my case. Joseph is an excellent attorney. He is competent with up to date knowledge, kindness and compassion. I would highly recommend and trust them.”

Alabama Rules That Matter When an Insurer Refuses to Pay

Alabama has specific rules for application misstatements, policy rescission, settlement timing, and delayed death benefits.

Application Misstatements: Under Ala. Code § 27-14-7, an incorrect application answer can affect coverage if it was fraudulent, material to the risk, or would have changed how the insurer issued the policy. Intent to deceive is not always required.

Insurer Must Return the Premiums: If an insurer goes to court alleging fraud or misrepresentation in issuing a life policy, Alabama law requires it to pay all premiums received into court with that plea.

Settlement Timing: Alabama policies must provide for settlement after due proof of death, and any stated settlement period cannot extend beyond two months after the required proofs are received.

Interest on Delayed Payment: If a qualifying lump-sum death benefit remains unpaid for 30 days after the insurer receives satisfactory proof of death and the claimant’s interest, interest is added from the date that proof was received.

Our life insurance attorneys can review your case and challenge a denial made without a lawful basis.

Was Your Life Insurance Claim Denied in Bad Faith?

Whether you’re in Birmingham, Guntersville, or across Alabama, application-based denials deserve particular attention, because an incorrect answer does not affect coverage in every situation.

Its materiality and effect on the insurer’s underwriting decision matter.

Common Reasons Life Insurance Claims Are Denied

Alleged mistakes or missing information on the application
Missed premium payments that allegedly caused the policy to lapse
Cause-of-death exclusions within the policy
Disputes over who should receive the death benefit
Additional review during the contestability period

Warning Signs of Bad Faith Claim Handling

Unexplained delays in processing your claim
Twisting policy language to support a denial
Ignoring medical records or supporting evidence
Attempting to cancel coverage after a claim is filed

Alabama recognizes bad-faith claims in some insurance disputes, but an incorrect denial alone does not establish bad faith. The insurer’s investigation and whether it had a reasonably legitimate basis for refusing payment can matter.

If your claim was denied, our life insurance denial attorneys can review the insurance company’s reasoning and determine whether you have grounds to challenge the decision.

Consumers can file a complaint or ask for assistance through the Alabama Department of Insurance Consumer Services Division.

Claim Disputes We Can Handle For You

Our life insurance lawyers handle claims in Tuscaloosa, Montgomery, and across Alabama, including:

Denied Life Insurance Claims

ERISA Group Life Insurance Claims

Accidental Death (AD&D) Denials

Beneficiary Disputes

Delayed Death Benefit Payments

Lapsed Policy Disputes

Alleged Misrepresentation on Applications

Employer Notice Failures

TSGLI Claims

Need assistance with another type of dispute? We’ll review the details of your situation and help you pursue the full benefits you’re owed.

Expert Legal Insights From Boonswang Law: Video Guides for your Claim

Facing a denied life insurance claim and not sure what to do next? Check out our full YouTube channel to learn more about your rights as a beneficiary and how we fight to get you paid.

Play

See Our Past Wins for Beneficiaries Like You

$1.25M

ING Insurance Company

$1M

New York Life Insurance Company

$780K

AIG American General Life Insurance Co.

Facing A Denial? Protect Your Claim With These Steps

If the life insurance company has denied your claim, following these steps can preserve your right to benefits:

Request the Reasoning Behind the Decision

Have the insurer state its reasoning clearly and turn over the records and contract language it relied on.

Gather Every Relevant Document

Collect the policy, original application, payment records, claim paperwork, beneficiary information, and all correspondence with the company.

Don’t Sign or Agree to Anything

Don’t accept a reduced payout or sign away your rights until you know what the policy may actually entitle you to receive.

Have Your Case Reviewed by a Lawyer

Our life insurance dispute attorneys can assess whether the insurer’s stated reason satisfies Alabama’s rules for withholding or reducing the benefit.

Appeal deadlines can be strict, so get in touch with us as soon as possible to review your case.

We’ll Fight For You with $0 Upfront

You’re under enough stress. You shouldn’t have to worry about legal fees while we fight for your benefits.

We handle cases for clients in Birmingham, Guntersville, Mobile, and across Alabama on a contingency fee basis, so you pay nothing upfront until we recover your payout.

How We Push Back Against Claim Denials

For individual life insurance matters in Alabama, Boonswang Law can work with Alabama-admitted local counsel or, when appropriate for a particular court case, seek pro hac vice admission with court approval.

Depending on the dispute, our life insurance attorneys may examine:

What the policy requires the insurer to pay
What was disclosed on the original application
How the insurer made its underwriting decision
Premium records and any claimed lapse
Medical records or other evidence used to justify the denial
Beneficiary forms when more than one person claims the proceeds

Those findings help determine whether the next step should be negotiation, an appeal, or litigation.

Fighting For Clients Throughout Alabama

From the Gulf Coast to communities surrounding the University of Alabama, Boonswang Law helps beneficiaries across the state challenge denied and delayed life insurance claims.

Auburn
Birmingham
Decatur
Dothan
Florence
Gadsden
Hoover
Huntsville
Madison
Mobile
Montgomery
Phenix City
Prattsville
Tuscaloosa
Vestavia Hills

Your Claim Denial May Not Be Final. Let Us Fight For You.

If your life insurance benefit has been denied or delayed, we can examine the policy and claim records and determine whether the company has grounds to withhold payment.

Start with a free case evaluation.

Clear Answers to Your Life Insurance Questions

Potentially. Under Alabama law, divorce or annulment can revoke certain beneficiary interests held by a former spouse, subject to exceptions. One important exception can apply when the former spouse owns the policy or continues paying the premiums after the divorce.

Sometimes. Alabama generally requires a 30-day or one-month grace period for premiums after the first, during which coverage remains in force. A policy may also be eligible for reinstatement within three years after default if statutory requirements are met.

Alabama does not always require proof that an incorrect answer was intentional. A statement can affect coverage if it was material to the risk or would have changed how the insurer issued the policy.

Under Alabama law, if an insured dies during a qualifying group-life conversion period, the amount that could have been converted can still be payable under the group policy even if no conversion application or first premium was submitted.

The Alabama Department of Insurance Life/Annuity Policy Search Service can help families search for a deceased person’s missing life insurance policy or annuity.