Life Insurance Lawyers Serving California

Turn Pushbacks Into Payouts

Get the benefits you’re owed, backed by 20+ years of experience.

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

Denied or Delayed Life Insurance Claim? We’ll Fight For Your Payout.

You’ve lost a loved one, and now the insurance company is delaying or denying your life insurance claim. At Boonswang Law, our life insurance lawyers in California won’t stop fighting until we recover every dollar you’re owed.

Insurers may try to misinterpret policy terms or claim there were application mistakes to avoid paying your claim, but they’re not always legitimate.

Our life insurance attorneys use 20+ years of experience to push back against denied life insurance claims, ERISA disputes, accidental death (AD&D) denials, and TSGLI disputes.

We’ve recovered over $200 million for beneficiaries from Los Angeles to Sacramento, and across the country in New York, Florida, New Jersey, and Texas.

Don’t let the insurance company keep you from the benefits your loved one intended for you. Let us fight for your full payout.

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

Stories From Clients 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.”

Resolving Life Insurance Disputes in California

California law gives life insurance beneficiaries important protections when a claim is denied, delayed, or disputed.

60-Day Grace Period: Under California Insurance Code § 10113.71, life insurance policies generally must allow at least 60 days to make a missed premium payment before coverage can lapse.

Claim Deadlines: Insurers generally have 15 days to acknowledge a claim and 40 days after receiving proof of claim to accept or deny it.

Contestability Period: California life insurance policies generally become incontestable after they’ve been in force for two years during the insured’s lifetime, with limited exceptions.

Interest on Delayed Benefits: Under California Insurance Code § 10172.5, insurers may owe interest when qualifying life insurance proceeds remain unpaid.

ERISA Claims: Employer-sponsored plans may follow federal ERISA rules, which can limit remedies available under California law.

Your Claim Denial May Not Be Legitimate

Insurance companies deny life insurance claims for many reasons, but not every denial is valid. In San Diego, San Jose, San Francisco, and across California, insurers may rely on technicalities, policy interpretations, or questionable claim handling to avoid paying benefits.

Common Reasons Life Insurance Claims Are Denied

Alleged errors or omissions on the application
Missed premium payments leading to a lapse in coverage
Suicide or self-inflicted injury exclusions
Disputes between beneficiaries
Reviews during the contestability period

Signs Your Denial May Involve Bad Faith

Delays without a clear explanation
Misrepresenting or stretching policy language
Overlooking or dismissing medical records
Canceling coverage after a claim has already been filed

Even if the insurance company says your claim isn’t valid, you may still have options.

You can verify your insurer’s licensing or report predatory behavior directly to the California Department of Insurance.

Our life insurance lawyers will review your denial and fight to recover the full amount you’re entitled to.

We’re Ready To Take On Any Type of Benefits Dispute

A denied claim doesn’t mean you’re out of options. Our life insurance lawyers challenge insurance companies, uncover weaknesses in their reasoning, and pursue the full benefits you’re owed.

We represent clients in Orange County and across the Inland Empire facing a wide range of life insurance disputes, 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

Don’t see your situation listed? You may still have a case. We’ll walk you through your options and help you determine the best path forward.

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 What We’ve Done For Our Past Clients

$1.25M

ING Insurance Company

$1M

New York Life Insurance Company

$780K

AIG American General Life Insurance Co.

Steps To Take After A Claim Denial

If the life insurance company refused to pay your claim, taking these steps can protect your benefits:

Get a Full Explanation

Ask the insurer to clearly state why it denied the claim and provide the records and policy language supporting its decision.

Gather Claim Documents

Collect the policy, original application, payment history, claim forms, beneficiary information, and all emails or letters from the company.

Don’t Sign or Accept Any Offers

Don’t agree to a smaller payout or sign away your rights before you know what you may actually be owed.

Have a Lawyer Review Your Claim

Our life insurance denial attorneys can determine whether California insurance law or federal ERISA rules apply and identify problems with the insurer’s decision.

Don’t miss the deadline to appeal your case. Reach out to our attorneys as soon as possible.

You Won’t Pay A Dime Until We Win Your Case

We represent life insurance beneficiaries on a contingency basis, so you don’t have to worry about upfront legal fees or hourly charges. You’ll only pay when we successfully recover your benefits.

If an insurance company wrongfully withholds your benefits, California’s Brandt rule may allow you to recover some of the attorney fees you spent fighting to get them paid.

If you’re facing a claim denial or delay in Bakersfield, Riverside, Fresno or anywhere else in California, our team of life insurance denial attorneys can review your case without any financial commitment.

When Insurers Block Your Claim, We Get You Paid

Boonswang Law handles California life insurance claims through attorneys licensed in California and, when appropriate, through pro hac vice admission for a specific case.

We’ll handle the insurance company while you focus on your family. Here’s how we build your case:

Reviewing your policy to determine what you’re owed
Determining whether California law, ERISA, or other rules apply
Identifying flaws in the insurer’s reasoning
Examining applications, medical records, and other evidence
Handling communication with the insurer
Preparing and filing your appeal
Pursuing payment through negotiation or litigation when needed

Fighting For Beneficiaries Across California

Anaheim
Bakersfield
Chula Vista
Fresno
Irvine
Long Beach
Los Angeles
Oakland
Riverside
Sacramento
San Diego
San Jose
San Francisco
Santa Ana
Stockton

A Claim Denial Isn’t The End Of The Road. Take Action Now.

Boonswang Law has secured over $200 million for beneficiaries across the country.

If your California life insurance claim was denied or delayed, contact us to find out what options you have. You won’t pay a fee unless we recover benefits for you.

What Beneficiaries Like You Need To Know

Yes. Situations like divorce, remarriage, or outdated designations can lead to disputes over the rightful beneficiary, and legal action may be necessary.

Possibly. California has a 60-day grace period and specific lapse-notice requirements, so a claimed lapse should be reviewed before assuming coverage ended.

Yes. If there are concerns about coercion, fraud, or the policyholder’s mental state, the change may be challenged and potentially reversed.

No. Once the policyholder passes away, the named beneficiary is generally fixed, and any attempted changes after death should be closely examined.

The California Department of Insurance directs beneficiaries to the NAIC Life Insurance Policy Locator, a free service that can help locate a deceased person’s life insurance policy or annuity.Supporting Beneficiaries Across All 50 States