Life Insurance Lawyers in Indiana
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Don’t Let The Life Insurance Company Take What’s Yours
When you’re grieving a loved one, the last thing you should have to worry about is fighting with an insurer that refuses to pay your benefits. At Boonswang Law, our life insurance lawyers in Indiana will handle the battle on your behalf.
Our life insurance attorneys have spent 20+ years handling cases for clients in Iowa, California, Florida, and across the U.S., fighting back against claim denials, ERISA disputes, accidental death (AD&D) denials, and TSGLI disputes.
We’ve recovered more than $200 million for clients like you, and you won’t pay any legal fees until we win your case.
“This was truly a difficult case, these guys are a true championship team.”
Hear From Our Clients
Contestability Period for Life Insurance Claims in Indiana
In Indiana, a life insurance company may investigate application statements during the first two years the policy is in force.
After the policy has remained active during the insured person’s lifetime for two years, the insurer generally cannot contest statements made in the original application.
If your loved one dies within that period, the insurer may review the application and medical records, but an investigation does not automatically make a denial valid.
Our Indiana life insurance attorneys can review the insurer’s findings and challenge an unsupported denial.
How To Spot An Illegitimate Claim Denial
A denial isn’t always final. The insurer may be relying on incomplete records, questionable policy interpretations, or unsupported allegations.
We help beneficiaries like you in Indianapolis, Lafayette, and throughout Indiana determine whether the life insurance company had a valid reason to withhold your benefits.
Common Reasons Insurers Give for Denying a Claim:
- Alleged false or missing information on the application
- Missed premium payments or a claimed policy lapse
- A cause of death the insurer says isn’t covered
- Competing claims from multiple beneficiaries
- A review during the two-year contestability period
- Problems involving employer-provided life insurance
Signs the Denial May Be Unfair:
- Your claim has been delayed without a clear explanation
- The insurer keeps asking for documents you’ve already sent
- Important medical or payment records were ignored
- The company is relying on vague or inconsistent policy language
- You haven’t received a detailed reason for the denial
- The insurer’s explanation keeps changing
Our life insurance denial attorneys will review the denial, policy, and claim file to uncover weaknesses in the insurer’s decision and fight for the benefits your loved one left for you.
Types Of Life Insurance Disputes We Can Help You With
No matter your situation, our attorneys handle a wide range of life insurance disputes and fight to recover the full amount you’re owed.
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 exact situation here? We’ll review your claim, identify the issue, and help in any way we can.
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.
See How Much We’ve Won for Clients Like You
$1.25M
ING Insurance Company
$1M
New York Life Insurance Company
$780K
AIG American General Life Insurance Co.
Life Insurance Claim Denied? Follow These Steps
What you do after a denial can affect your ability to challenge the insurer and recover the benefits you’re owed.
Get the Denial in Writing
Ask for a clear explanation of the decision and copies of the records the insurer relied on.
Collect Your Claim Documents
Save the policy, application, claim forms, payment history, beneficiary records, emails, and letters.
Don’t Sign Anything Too Quickly
Avoid accepting a reduced payment, release, or settlement before you know what your claim may be worth.
Speak With a Lawyer
A life insurance denial attorney can review the denial, find weaknesses in the insurer’s reasoning, and explain your options for fighting back.
Appeal deadlines may have strict limitations, so contact our team as soon as possible to protect your claim.
We Fight For You With $0 Down
You shouldn’t have to take on legal bills while you’re already fighting for the benefits your loved one left for you.
Your case review is free, and you won’t pay any upfront costs, retainers, or attorney fees until we recover benefits for you.
Our Strategy for Taking On Insurers
You don’t have to take on the insurance company alone. Our attorneys will handle the claim, build a strong case, and fight for the full benefits you’re owed.
We’ll take care of every step, including:
- Reviewing your policy, application, denial letter, and claim file
- Identifying errors, missing facts, and weak arguments in the insurer’s decision
- Examining medical records, payment history, employer documents, and beneficiary records
- Gathering evidence that supports your right to the benefits
- Handling all communication with the insurance company
- Preparing and submitting a detailed appeal or claim challenge
- Pursuing your benefits through negotiation or legal action when necessary
Fighting For Clients Across Indiana
- Bloomington
- Carmel
- Evansville
- Fishers
- Fort Wayne
- Gary
- Greenwood
- Hammond
- Indianapolis
- Kokomo
- Lafayette
- Muncie
- Noblesville
- South Bend
- Terre Haute
A Claim Denial Isn’t Always Final. Let’s See What’s Possible.
The insurer’s decision may not be the end of your claim, and you may still have a path to recover the benefits your loved one left for you.
Boonswang Law has recovered more than $200 million for beneficiaries nationwide, and your case review is free with no legal fee unless we win.
Questions You May Be Asking Right Now
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