Life Insurance Lawyers in Florida
Recover Your Benefits with $0 Upfront
✓ No Fee Unless We Win
✓ Free Case Evaluation
✓ Nationwide Representation
No Cost Unless You Win
Get Your Free Case Evaluation
You Don’t Have To Settle For A Denied Claim. Let Us Fight For You.
When you’ve lost a loved one, the last thing you should be worried about is fighting a denied life insurance claim.
Boonswang Law’s life insurance lawyers in Florida will take that burden off your shoulders, push your claim forward, and fight for every penny you’re owed.
Many life insurance carriers try to use policy wording or alleged errors in the application to justify refusing your payment. In many cases, those arguments aren’t valid.
With 20+ years of experience, our life insurance lawyers have taken on hundreds of denied and delayed claims, ERISA group policy disputes, accidental death (AD&D) denials, and TSGLI cases.
We have recovered over $200 million for beneficiaries like you in all 67 Florida counties and across the country, including clients in California, New York, Texas, and New Jersey.
Your loved one intended benefits for you. We won’t let the life insurance company take them away.
“This was truly a difficult case, these guys are a true championship team.”
Hear From Beneficiaries We’ve Helped
Contestability Period for Life Insurance Claims in Florida
In Florida, the contestability period is usually the first two years after a life insurance policy begins, when the insurer may take a closer look at the application before paying a claim.
During this time, the insurer may review the application, medical history, and other records to look for alleged misstatements or missing information.
A denial is not automatically valid, and our attorneys can review your case to determine whether or not the insurer had a fair reason to withhold your benefits.
What You Need To Know About Life Insurance Claim Denials
Insurance companies don’t approve every life insurance claim, and they often base denials on wrongful interpretations of the policy. This doesn’t always mean the decision is correct.
Common Reasons Life Insurance Claims Get Denied
- Information on the application is disputed or questioned
- Premium payments were missed, leading to a lapse
- Policy exclusions related to cause of death
- Disagreements over who should receive the benefit
- Additional scrutiny during the contestability window
Signs the Insurance Company May Be Acting In Bad Faith
- The claim drags on without updates or clear reasoning
- Policy language is applied in a misleading way
- Important medical details are ignored or downplayed
- Coverage is revoked only after a claim is submitted
Whether you’re in Jacksonville, Miami, Orlando, or across Florida, our attorneys can review the claim denial, uncover issues in their reasoning, and fight for the full benefits you’re owed.
Which Type of Benefit Dispute Are You Facing?
Insurance companies count on beneficiaries accepting their decision, but many denials can be reversed with the right approach.
Our life insurance lawyers handle a wide range of claim issues for clients in Naples, Tampa, and across The Sunshine State, challenging their reasoning and pursuing the full amount owed to you:
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? Many claims involve multiple overlapping issues. We’ll review the details, explain what’s going on, and help you take the next steps to secure your benefits.
See How Much We’ve Recovered For Past Clients
$1.25M
ING Insurance Company
$1M
New York Life Insurance Company
$780K
AIG American General Life Insurance Co.
What To Do If Your Claim Is Denied
The steps you take after a denial can have a major impact on your ability to recover benefits.
Here’s what you can do to protect your claim:
Request the Full Denial Explanation
Ask the insurance company for the denial letter and any documents explaining why your claim was rejected.
Gather Your Policy and Claim Records
Keep copies of the policy, claim forms, correspondence, beneficiary information, and any other documents related to the claim.
Don’t Accept the Initial Settlement
Insurance companies are not always right, and some denials are based on incomplete investigations, questionable interpretations, or missing information.
Speak With a Life Insurance Attorney
Our attorneys can review the denial, identify potential problems with the insurer's reasoning, and determine whether the decision can be challenged.
Life insurance appeals have strict deadlines, so don’t wait to get in touch with us.
You Owe Us Nothing Until We Win For You
We handle life insurance cases from South Florida to the Panhandle on a contingency basis. You won’t pay any upfront fees until we successfully recover your payout.
If your claim has been denied or delayed, you can have our attorneys evaluate your case without financial stress.
When Insurers Deny Your Claim, We Push Back
You shouldn’t have to fight with an insurance company while you’re grieving. If your life insurance claim is being denied or delayed, our attorney will take control of the situation and fight for your rightful benefits.
Our attorneys manage every part of your claim, including:
- Interpreting your policy to determine the full benefits you’re owed
- Breaking down the insurer’s reasoning and exposing weak points
- Reviewing applications, medical records, and all claim-related documents
- Securing additional evidence to support your case
- Communicating directly with the insurance company on your behalf
- Preparing and submitting a detailed challenge to the denial
- Taking further legal action if the insurer refuses to pay
Insurance companies fight to protect their bottom line. We fight for you.
Representing Beneficiaries Throughout Florida
- Cape Coral
- Coral Springs
- Fort Lauderdale
- Gainesville
- Hialeah
- Hollywood
- Jacksonville
- Miami
- Miramar
- Orlando
- Pembroke Pines
- Port St. Lucie
- St. Petersburg
- Tallahassee
- Tampa
Denied Claim? You’re Not Out of Options. Get In Touch With Us.
A denied life insurance claim isn’t always final, and our attorneys are ready to fight for your rightful payout.
Boonswang Law has recovered more than $200 million for beneficiaries like you across the U.S. Let us put our experience to work for you.
Reach out today to discuss your claim. There’s no cost to get started, and you won’t pay until we win your case.
Questions We Hear From Beneficiaries Like You
Can a spouse contest a life insurance beneficiary?
Can a life insurance claim be paid if the policy lapsed?
Can a last-minute insurance beneficiary change be contested?
Can a beneficiary be changed after the policyholder’s death?
Helping Beneficiaries Nationwide Recover What They’re Owed
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Missouri
- Mississippi
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- US Virgin Islands
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming