Life Insurance Lawyers in Colorado

Turn Your Claim Denial Into Paid Benefits

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A Life Insurance Claim Denial Isn’t The End Of The Road

After losing someone you love, the last thing you should be dealing with is a claim denial from the life insurance company. Our life insurance lawyers in Colorado will fight for every penny you’re owed while you focus on your family.

At Boonswang Law, we’ve spent 20+ years challenging insurers and have recovered over $200 million for beneficiaries facing denied claims, ERISA disputes, accidental death (AD&D) denials, TSGLI disputes, and other life insurance conflicts.

From Colorado to Florida, New York, New Jersey, Texas, and California, our nationwide life insurance lawyers investigate the insurer’s reasoning, gather the records that support your claim, and fight to recover the full payout you’re entitled to.

You don’t have to accept a claim denial. Let us take on the fight to secure your rightful benefits.

“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.”

Colorado Rules That Can Affect a Life Insurance Claim

Colorado has several rules that can directly affect what a beneficiary is owed after a policyholder dies.

Interest From the Date of Death: Colorado generally requires interest on qualifying lump-sum life insurance proceeds beginning on the insured’s date of death. The applicable rate can increase if payment remains outstanding after the insurer receives a complete claim.

Suicide After the First Policy Year: Colorado generally prevents an insurer from denying ordinary life insurance benefits solely because the insured died by suicide after the first policy year. Different rules can apply to accidental-death coverage.

Medical Aid-in-Dying Protection: A Colorado life insurer cannot deny or alter otherwise available benefits for a terminally ill insured based on the availability of lawful medical aid-in-dying.

Insurers Must Search for Beneficiaries: Covered insurers must compare applicable policies against death records at least twice a year. After a potential match, they generally have 90 days to confirm the death, determine whether benefits are due, and make good-faith efforts to locate beneficiaries.

Life insurance rules can differ from state to state, so the protections that apply to your Colorado claim may not be the same as those governing a policy in Utah or New Mexico.

How To Spot A Wrongful Claim Denial

The life insurance company may give you a reason for denying your claim, but that doesn’t automatically mean the decision is supported by the policy or the facts.

If the explanation seems unclear, inconsistent, or based on information that does not match your records, it may be worth having the denial reviewed.

Common Reasons Insurers Refuse To Pay Benefits

Claims that the policyholder gave inaccurate information on the application
Allegations that coverage ended because premiums were not paid
Exclusions related to the insured’s cause of death
Disagreements over who should receive the policy proceeds
Scrutiny of claims filed during the contestability period
Problems involving employer-sponsored group life insurance

Red Flags That Could Point To An Improper Denial

The insurer keeps changing or broadening its explanation
Important medical, employment, or policy records appear to have been ignored
The company is applying policy language in a way that does not match the contract
Your claim has been sitting without a meaningful update
The denial is based on assumptions rather than clear supporting evidence

Colorado also requires insurers to provide a reasonable explanation for claim denials. If the company’s reasoning does not match the policy, the records, or the basis it gives for refusing payment, our life insurance attorneys will examine the details of your case and challenge the denial.

Consumers can also file a complaint with the Colorado Division of Insurance about a delayed, denied, or mishandled life insurance claim.

Which Type Of Benefits Dispute Can We Help You With?

Our life insurance attorneys handle a wide range of life insurance benefit disputes and can step in when an insurer, employer, or competing beneficiary stands between you and your payout.

Whether you’re in Denver, Boulder, Colorado Springs, or across the state, we can help you with disputes 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

Don’t see your dispute listed here? Get in touch with us. Our attorneys will 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.

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Our Track Record of Success For Clients Like You

$1.25M

ING Insurance Company

$1M

New York Life Insurance Company

$780K

AIG American General Life Insurance Co.

How To Protect Your Claim After A Denial

If the insurer denies your life insurance claim, the steps you take next can protect your right to benefits:

Request The Reason In Writing

Ask the insurance company to explain exactly why your claim was denied and identify the policy terms or records it relied on.

Keep Your Records Together

Save the policy, application, premium history, beneficiary documents, claim forms, medical records, and every letter or email from the insurer.

Avoid Signing Anything Too Soon

Do not accept a reduced payment, settlement, or release until you know what your claim may actually be worth.

Let An Attorney Review The Denial

Our life insurance lawyers can examine the insurer’s reasoning, identify grounds for a challenge, and pursue the benefits you’re owed.

Acting quickly can protect your appeal rights and give your attorney more time to build a strong case.

You Don’t Have To Pay Upfront To Start Your Case

You can have your claim reviewed without paying legal fees upfront or taking on hourly charges.

Boonswang Law handles life insurance cases on a contingency fee basis, which means you only pay after we recover benefits for you.

Your case evaluation is free, so you can explore your options before deciding what to do next.

Our Strategy For Fighting Back Against Insurers

We look closely at the insurer’s decision, the policy, and the evidence behind your claim so we can challenge weak arguments and push for the payout you’re owed.

Colorado beneficiaries can be represented with the involvement of Colorado-licensed local counsel, and Boonswang Law attorneys may seek pro hac vice admission for a specific lawsuit when the court permits it.

Here’s how our attorneys build the strongest claim possible for your benefits:

Examine your policy to determine the benefits at stake
Review the denial letter and identify unsupported or inconsistent reasoning
Analyze applications, premium records, medical records, and claim documents
Gather additional evidence that supports your right to payment
Communicate with the insurance company on your behalf
Prepare and submit an appeal when your case calls for one
Pursue your full benefits through negotiation or litigation when necessary

Serving Beneficiaries Across Colorado

Arveda
Aurora
Boulder
Centennial
Colorado Springs
Denver
Fort Collins
Greeley
Highlands Ranch
Lakewood
Longmont
Loveland
Pueblo
Thornton
Westminster

You’re Not Out Of Options. Talk To Our Attorneys.

A denied life insurance claim doesn’t have to be the final word on the benefits your loved one left for you.

Boonswang Law has recovered more than $200 million for beneficiaries nationwide, and we’re ready to challenge the insurer and fight for your full payout.

Start with a free case evaluation. You don’t owe us a dime until we recover your benefits.

Questions We Hear From Clients Like You

Potentially. Colorado law generally revokes certain revocable beneficiary designations in favor of a former spouse after divorce or annulment, unless an exception applies. For some employer-sponsored life insurance plans, however, federal ERISA rules can override Colorado’s divorce revocation law.

Possibly. Colorado generally requires at least a 30-day grace period for premiums after the first, during which coverage remains in force. The premium history and actual lapse date should be checked before assuming the policy ended before the insured died.

Not necessarily. Colorado generally prevents suicide from being used as a defense to ordinary life insurance benefits after the first policy year. Different rules can apply to accidental-death or accident-only coverage.

Yes. A beneficiary change made shortly before death can be challenged if there are questions about coercion, fraud, the policyholder’s mental capacity, or whether the policy’s required procedures were followed.

The Colorado Division of Insurance provides access to the Life Insurance Policy Locator, which can help beneficiaries search participating insurers for a deceased person’s missing policy or annuity.