Life Insurance Lawyers in Hawaii

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Is The Life Insurance Company Withholding Your Benefits?

Losing someone you love is hard enough, and now the life insurance company has denied your claim while you’re grieving.

At Boonswang Law, our life insurance lawyers in Hawaii will fight to recover the benefits your family was meant to receive.

Our life insurance lawyers have spent 20+ years representing beneficiaries like you in denied and delayed claims, including ERISA disputes, accidental death (AD&D) denials, TSGLI disputes, and other life insurance conflicts.

We’ve recovered more than $200 million for clients in O’ahu, Maui, Kaua’i, throughout Hawaii, and nationwide, representing beneficiaries in Florida, New York, California, New Jersey, Texas, and communities across the U.S.

You don’t have to face the insurance company on your own. Let us fight for your payout 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.”

Contestability Period for Life Insurance Claims in Hawaii

Under Hawaii Revised Statutes § 431:10D-102, life insurance policies generally become incontestable after two years during the insured person’s lifetime, except for nonpayment of premiums.

Hawaii law also requires a 30-day grace period for late premiums. During that time, the policy remains in force.

Even after the contestability period ends, insurers may still rely on certain policy exclusions or coverage restrictions.

Reinstated policies may also face a new contestability period if fraud or material misrepresentations were involved.

If your claim was denied under these rules, our attorneys can review the insurer’s reasoning and determine whether the denial complies with Hawaii law.

Legitimate vs. Illegitimate Life Insurance Claim Denials

While some claim denials may be valid, insurers often rely on weak interpretations, incomplete records, or questionable reasoning to avoid paying your benefits.

Knowing the difference can help you decide whether your denial should be challenged.

Reasons a Claim May Be Legitimately Denied:

The policy clearly excluded the reported cause of death
Required premiums were not paid and the policy had legally lapsed
Material information on the application was proven to be false
The person filing the claim is not the lawful beneficiary
The claim falls within a valid policy limitation or exclusion

Signs the Denial May Be Illegitimate:

The insurer cannot clearly explain why your claim was rejected
Your payment history, medical records, or other evidence was overlooked
Policy language is being stretched beyond its intended meaning
The company raises new objections only after you file the claim
Your claim is delayed for months without a clear reason

Boonswang Law represents beneficiaries throughout Hawaii and across the mainland, including clients in Washington and Oregon. If your claim has been denied, we’ll review the insurer’s decision and fight for the benefits you’re entitled to.

What’s Holding Up Your Life Insurance Benefits?

Whether you’re on the Big Island, Niʻihau, or another Hawaiian island, we can help you challenge a denied or delayed claim by reviewing the policy, payment history, claim records, and the insurer’s stated reason for withholding benefits.

Our life insurance attorneys handle a wide range of disputes and fight to recover the payout your loved one intended for 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

Many claims involve multiple overlapping issues, so don’t hesitate to reach out if you don’t see your specific situation listed. We’ll review your case and help you pursue 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 Wins For Previous Clients Like You

$1.25M

ING Insurance Company

$1M

New York Life Insurance Company

$780K

AIG American General Life Insurance Co.

Steps You Can Take to Protect Your Claim

The steps you take after a denial or delay can affect your ability to recover the life insurance benefits you’re owed.

Follow these guidelines to protect your claim:

Get the Denial in Writing

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

Keep Every Important Document

Save the policy, application, premium history, claim forms, beneficiary records, letters, emails, and any other paperwork tied to your claim.

Avoid Signing Away Your Rights

Before accepting a reduced payout or signing a release, make sure you know whether you may still be entitled to the full benefit.

Have a Life Insurance Lawyer Review Your Case

Our attorneys can examine the insurer’s reasoning, identify problems with the denial, and determine the best way to challenge it.

If your benefits are being withheld, acting quickly can give you a stronger chance of recovering the payout your loved one intended for you. Get in touch with us as soon as possible.

We Fight For You with $0 Upfront

You shouldn’t have to worry about legal fees when you’re grieving a loved one.

Boonswang Law handles life insurance cases on a contingency fee basis, so you pay nothing until we recover benefits for you.

You can also have our life insurance attorneys review your denied or delayed claim at no cost before deciding what to do next.

How We Fight Insurers To Get You Paid

While you focus on your family, our attorneys handle the insurance company.

Here’s how we build a strong case:

Reviewing your policy to determine what benefits should be paid
Comparing the denial against the policy language and claim records
Examining applications, medical records, premium history, and beneficiary documents
Identifying weak, inconsistent, or unsupported reasons for withholding payment
Gathering additional evidence that strengthens your claim
Handling all communication with the life insurance company
Preparing and filing an appeal or formal challenge when needed
Pursuing your benefits through negotiation or litigation if the insurer still refuses to pay

Let’s start planning your next steps.

Serving Beneficiaries Throughout Hawaii

Ewa Gentry
Hilo
Honolulu
Kailua
Kaneohe
Kapolei
Kihei
Makakilo
Mililani
Pearl City
Schofield Barracks
Wahiawa
Wailuku
Waipahu

A Denied Claim Isn’t The End Of The Road. Reach Out Today.

If the life insurance company denied or delayed your benefits, you may still have options to recover the payout your loved one intended for you.

Boonswang Law has recovered more than $200 million for beneficiaries in Honolulu, Hilo, Kailua, and nationwide, and we’re ready to fight for you with no upfront cost.

Common Questions About Life Insurance Law

Yes. A current or former spouse may be able to challenge the beneficiary designation if there are issues involving divorce, marital rights, or questions about whether the designation was legally valid.

Yes, in some cases. A grace period, payment history, notice requirements, or other policy terms may show that coverage was still in effect when the insured passed away.

Yes. A recent beneficiary change may be challenged if there is evidence of fraud, coercion, undue influence, or concerns about the policyholder’s ability to make that decision.

Generally, no. The beneficiary designation in effect when the insured dies usually controls who receives the benefits, though disputes over the validity of that designation can still arise.