Life Insurance Lawyers in Arkansas

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Has Your Life Insurance Claim Been Delayed or Denied?

Losing a loved one is hard enough without having to figure out why the life insurance company has not paid.

Our Arkansas life insurance lawyers examine the policy, claim records, and insurer’s explanation to determine whether payment is still owed.

At Boonswang Law, our life insurance attorneys have spent 20+ years helping beneficiaries pursue unpaid benefits in denied and delayed claims, ERISA disputes, accidental death (AD&D) denials, TSGLI disputes, and other life insurance matters.

We’ve recovered more than $200 million for clients in Little Rock, Fayetteville, across Arkansas, and across the U.S. in states like Florida, New York, California, New Jersey, and Texas.

You’ll pay nothing upfront, and we’ll handle everything to push back against the wrongful denial and get your benefits paid.

“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.”

Arkansas Rules That Can Increase What an Insurer Owes

Arkansas has unusually specific rules governing delayed life insurance payments and the additional amounts an insurer may owe.

30-Day Claim Processing Limit: Arkansas allows insurers time to investigate and process an individual life insurance claim, but that period cannot exceed 30 days after proof of death is furnished.

8% Interest: If qualifying proceeds remain unpaid beyond that period, the insurer can owe 8% annual interest, with interest on covered unpaid proceeds running from the insured’s date of death.

12% Damages + Attorney Fees: Under Ark. Code § 23-79-208, a life insurer that fails to pay a covered loss within the required time after demand can face 12% additional damages plus reasonable attorney fees when the statute’s requirements are met.

Refund of Unearned Premiums: Arkansas can also require premiums paid for periods extending beyond the policy month in which the insured died to be returned as part of the death claim.

Rules can differ across state lines, so a claim in Arkansas may be treated differently than one in Louisiana, Missouri, or Tennessee.

Is Your Claim Denial Legitimate? How To Tell

A denial should line up with the policy, payment history, application, and other records behind the claim.

Arkansas also limits when an insurer can rely on application statements to avoid payment.

Reasons an Insurer May Deny Your Claim

The policy was no longer active when the insured died
The death falls under a specific exclusion in the policy
The insurer claims important application information was inaccurate
There is a dispute over who is legally entitled to the death benefit
The claim does not meet a stated condition of coverage

Reasons To Question the Insurer’s Decision

The explanation for the denial is unclear or keeps changing
The company overlooked records that support your claim
The policy language is being used in a way that unfairly blocks payment
Your claim has been sitting without a clear decision or explanation
The insurer tries to cancel or rescind coverage only after the death benefit is claimed

Arkansas treats application statements as representations rather than warranties. A misstatement generally cannot prevent recovery unless it was fraudulent or material to the acceptance of the risk or hazard assumed by the insurer.

Our life insurance attorneys can review your policy, denial letter, and supporting records to determine whether you have grounds to fight the decision.

Beneficiaries can also file a complaint or ask for assistance through the Arkansas Insurance Department Consumer Services Division.

Types of Life Insurance Disputes We Can Help You With

Whether you’re in Fayetteville, Fort Smith, or Jonesboro, our attorneys handle life insurance disputes throughout Arkansas involving:

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 situation isn’t listed, don’t hesitate to reach out. Our attorneys will review your claim 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

See How We’ve Helped Beneficiaries Like You

$1.25M

ING Insurance Company

$1M

New York Life Insurance Company

$780K

AIG American General Life Insurance Co.

Protect Your Right To Benefits

If your life insurance claim has been denied or delayed, what you do next can affect your ability to recover the benefits you’re owed.

Get the Denial in Writing

Ask the insurance company to explain its decision and identify the policy terms, records, or evidence it relied on.

Keep Copies of Everything

Save your policy, beneficiary forms, premium records, claim documents, medical records, letters, emails, and any other communication with the insurer.

Avoid Signing Away Your Rights

Don’t agree to a reduced payout, release, or settlement until you know whether you may be entitled to more.

Have an Attorney Review Your Claim

An attorney can check whether the insurer met Arkansas’s requirements for denying or delaying the payment.

Some claim disputes have strict deadlines, so contact our life insurance lawyers as soon as possible to protect your right to challenge the insurer’s decision.

We Fight For You with No Fees Upfront

You shouldn’t have to take on another financial burden just to fight for the life insurance benefits you’re owed.

Boonswang Law handles your case on a contingency fee basis, so you pay nothing upfront and owe no legal fees until we recover benefits for you.

How We Build The Strongest Case For You

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

Depending on the dispute, we may examine:

Whether coverage was active when the insured died
Whether an application statement was actually material
Premium payments and the claimed lapse date
How long the insurer took to investigate and process the claim
Medical records, beneficiary forms, and other supporting evidence

From there, we can decide whether negotiation, an appeal, or litigation makes sense.

Representing Beneficiaries Throughout Arkansas

Bentoville
Bella Vista
Conway
Fayetteville
Fort Smith
Hot Springs
Jonesboro
Little Rock
Paragould
Pine Bluff
Rogers
Russellville
Sherwood
Springdale
Texarkana

Get Your Case Reviewed For Free

A delayed life insurance payment can trigger more than the original benefit in Arkansas. Qualifying claims can involve interest, additional damages, or attorney fees.

Get a free case evaluation to find out what may apply to your claim.

Questions About Life Insurance? We’re Here To Help

Potentially, but divorce alone does not automatically remove an ex-spouse as a life insurance beneficiary in Arkansas. If the insured never changed the designation and the divorce decree did not address the policy, the former spouse may still have rights to the proceeds.

Sometimes. Arkansas generally provides a 30-day or one-month grace period for premiums after the first, during which coverage remains in force. The payment history and actual lapse date should be checked before assuming the policy ended.

Arkansas generally limits the investigation and processing period for an individual life claim to 30 days after proof of death is furnished. Qualifying unpaid proceeds can accrue 8% annual interest, and separate Arkansas law can also allow 12% damages and reasonable attorney fees when its requirements are met.

The Arkansas Insurance Department Life Insurance Policy Locator explains how to use the free NAIC locator to search participating insurers for a deceased person’s policy or annuity.