Life Insurance Lawyers in Alaska

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Get The Benefits Your Loved One Intended For You

You’re already grieving the loss of someone you love. You shouldn’t have to fight the insurance company for the benefits they intended for you.

At Boonswang Law, our life insurance lawyers in Alaska won’t back down until we recover every penny you’re owed.

Over the last 20+ years, our life insurance attorneys have recovered over $200 million in cases involving denied life insurance claims, ERISA disputes, accidental death (AD&D) denials, TSGLI disputes, and other benefit conflicts.

Whether you live in Alaska, Texas, California, or across the U.S. in Florida, New York, or New Jersey, our nationwide team will take on the insurer, gather the evidence supporting your claim, and pursue the full benefits you deserve.

You don’t have to accept the insurance company’s decision without a fight. Let us take on the insurer while you focus on your family.

“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.”

Alaska Rules That Can Affect a Life Insurance Claim

Alaska has specific rules governing application disputes, reinstated policies, and how long an insurer can take to settle a death claim.

Unauthorized Application Changes: Alaska generally prohibits anyone other than the applicant from altering a written life insurance application without the applicant’s written consent, apart from clearly identified administrative entries.

30 Days to Provide a Reinstatement Application: If a reinstated or renewed policy is disputed, Alaska generally requires the insurer to provide the application within 30 days after receiving a qualifying written request from the insured, beneficiary, or assignee.

Application Errors Do Not Automatically Defeat Coverage: Under Alaska law, a misrepresentation generally must be fraudulent, material to the risk, or significant enough that the insurer in good faith would have issued the policy differently.

Settlement Periods Are Capped: Alaska life policies must provide for settlement after due proof of death. If the insurer states a particular settlement period, it cannot exceed two months after receiving the required proofs.

Each state has different rules when it comes to life insurance laws, so a claim in Oregon may be handled differently than one in Washington.

Our life insurance attorneys can review the policy, the application, and the insurer’s reasoning to determine whether the denial should be challenged.

Is Your Life Insurance Claim Denial Legitimate?

A denial letter doesn’t always mean the insurance company made the right call.

If their reasoning feels vague, unsupported, or inconsistent with the policy, your claim may be worth challenging.

Common Reasons Insurers Deny Life Insurance Claims:

Alleged false or incomplete information on the application
Missed premiums or a claimed lapse in coverage
Policy exclusions tied to the cause of death
Disputes between competing beneficiaries
Reviews during the contestability period
Employer mistakes involving group life insurance coverage

Warning Signs Your Denial May Be Unfair:

The insurer cannot clearly explain why your claim was denied
Key medical records or other evidence were overlooked
Policy terms are being interpreted against you in a questionable way
Your claim has been delayed without a clear reason
The denial relies on vague, conflicting, or weak evidence

Alaska also prohibits insurers from settling a claim based on an application that was altered without the insured’s consent.

If the denial depends on information added or changed on the application, our life insurance attorneys can review the case closely to see if it can be challenged.

Consumers can also file an insurance complaint with the Alaska Division of Insurance if they believe an insurer has mishandled, delayed, or improperly denied a claim.

Benefit Disputes We Can Help You With

A denied claim, delayed payment, or policy dispute does not automatically take away your right to benefits.

Our life insurance attorneys fight for clients in Anchorage, Fairbanks, Juneau, and across Alaska, handling the following life insurance disputes to recover your benefits:

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

If your dispute isn’t listed here, we can still review your claim, discuss your options, and fight for the 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

Our Past Wins for Clients Like You

$1.25M

ING Insurance Company

$1M

New York Life Insurance Company

$780K

AIG American General Life Insurance Co.

Claim Denied? Follow These Steps

If your claim has been denied, follow this proceed to protect your right to pursue benefits:

Get The Denial In Writing

Ask the insurer to clearly state why your claim was denied and which policy terms or records support that decision.

Save Every Document

Keep copies of the policy, application, premium history, beneficiary forms, claim paperwork, medical records, and all messages from the insurance company.

Do Not Sign Away Your Rights

Avoid accepting a reduced payout or signing a release before you know whether you may be entitled to more.

Have Your Claim Reviewed By An Attorney

Our life insurance lawyers can examine the insurer’s reasoning, uncover weaknesses in the denial, and fight for the benefits your loved one intended for you.

The sooner you act, the more time your attorney has to protect your claim and build your case.

You Won’t Pay Until We Win

You shouldn’t have to take on another financial burden just to get the benefits you’re owed.

We handle life insurance cases on a contingency fee basis, so there are no upfront legal fees and you pay nothing until we recover benefits for you.

Your case evaluation is free, so you can find out where you stand without taking on added financial risk.

Our Strategy for Fighting Major Insurance Companies

Boonswang Law can handle Alaska life insurance matters by working with Alaska-licensed local counsel or, when appropriate, through pro hac vice admission approved for a particular case.

You should be able to focus on your family instead of going back and forth with the insurance company.

Our attorneys take over the fight, deal directly with the insurer, and gather the evidence we need to pursue your full benefits. Here’s how we build your case:

Review the policy and determine what benefits may be owed
Analyze the denial letter for unsupported arguments or missing information
Examine the application, premium records, medical documents, and claim file
Collect evidence that strengthens your right to payment
Handle communication with the insurance company for you
Prepare and submit a strong appeal when appropriate
Push for the full payout through negotiation or litigation when necessary

Representing Beneficiaries Across Alaska

Anchorage
Badger
College
Fairbanks
Juneau
Kalifornsky
Kenai
Ketchikan
Knik-Fairview
Lakes
Meadow Lakes
Steele Creek
Sitka
Tanaia
Wasilla

A Claim Denial Isn’t The End Of Your Case. Get In Touch With Us.

The insurance company may have denied your claim, but that doesn’t mean you have to accept their decision.

Boonswang Law has recovered more than $200 million for beneficiaries like you, and we’re ready to pursue the benefits your loved one intended for you.

Start with a free case evaluation, and pay nothing until we recover benefits for you.

Questions We Hear From Clients Like You

Potentially. Alaska law generally revokes certain revocable beneficiary designations in favor of a former spouse after divorce or annulment, unless an exception applies. Insurers and other payors may also be protected when they pay according to the existing designation before receiving written notice of the divorce or claimed revocation.

Possibly. Alaska law generally requires a grace period of at least 30 days for individual life insurance policies, and coverage remains in force during that period, so a claimed lapse does not always eliminate your right to benefits.

Yes, a change made shortly before death may be challenged when there are concerns about fraud, pressure, lack of capacity, or whether the required beneficiary-change rules were properly followed.

Generally, no. Once the policyholder dies, the beneficiary designation in effect at that time controls unless a valid legal challenge changes who is entitled to the proceeds.

Under Alaska law, if an insured dies during a qualifying group-life conversion period, the amount they could have converted can still be payable under the group policy even if they never submitted the conversion application or first premium.

The Alaska Division of Insurance’s Lost Life Insurance Policy resource explains how to use the NAIC Life Insurance Policy Locator and other resources to search for missing coverage.