Life Insurance Lawyers in Iowa
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Denied Life Insurance Claim? Let Us Fight For You.
Losing someone you love is painful enough, and now the life insurance company is refusing to pay the benefits they intended for you. At Boonswang Law, our life insurance lawyers in Iowa won’t let them get away with it.
Our life insurance attorneys will take on the insurer, challenge the denial, and fight for the benefits you’re rightfully owed.
With 20+ years of experience handling denied claims, ERISA disputes, accidental death (AD&D) denials, and TSGLI disputes, we’ve recovered $200+ million for beneficiaries like you in Iowa, Ohio, Alabama, Indiana and across the U.S.
You’ll pay nothing upfront, and you owe us no legal fee until we recover benefits for you.
You’re not out of options. We’ll fight for every penny while you focus on your family.
“This was truly a difficult case, these guys are a true championship team.”
Hear From Our Clients
Contestability Period for Life Insurance Claims in Iowa
In Iowa, a life insurance policy generally becomes incontestable after it has remained active during the insured person’s lifetime for two years.
If the insured dies before that deadline, the company may investigate the application and related records for alleged false or missing information.
After the two-year period, the insurer generally cannot challenge the policy, except when required premiums were not paid.
Our Iowa life insurance attorneys can review the insurer’s findings and challenge an unsupported denial.
Is Your Claim Denial Legitimate? How To Spot Bad Faith Tactics
A denial letter may sound final, but the insurance company’s explanation may rely on missing facts, weak evidence, or an unfair reading of the policy.
We help beneficiaries like you in Des Moines, Cedar Falls, and across Iowa see through insurers’ questionable tactics and get their claims paid.
Common Reasons Insurers Give for Denying Benefits:
- Alleged false or incomplete answers on the insurance application
- A claim that missed payments caused the policy to expire
- A death the insurer says falls under a policy exclusion
- Competing claims from more than one beneficiary
- An investigation during the policy’s contestability period
- Errors involving employer-provided life insurance coverage
Warning Signs the Insurer May Be Acting in Bad Faith:
- Your claim has been delayed without a clear reason
- The insurer keeps requesting documents you already provided
- Medical records or other supporting evidence were overlooked
- The denial relies on unclear or inconsistent policy language
- The company refuses to give you a detailed explanation
- The reason for the denial changes during the review
Our life insurance denial attorneys will examine the denial, policy, and claim records to determine whether the insurer’s decision can be challenged.
Which Type Of Dispute Can We Help You With?
A denied claim, delayed payout, or policy dispute does not necessarily mean you have lost your right to the benefits your loved one left behind.
Our attorneys help beneficiaries throughout Iowa challenge unfair decisions and pursue the full amount they are 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
If your situation isn’t listed here, our attorneys can still review your claim and determine the best way to fight for your benefits.
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.
Our Recent Wins for Beneficiaries Like You
$1.25M
ING Insurance Company
$1M
New York Life Insurance Company
$780K
AIG American General Life Insurance Co.
Steps To Take If Your Life Insurance Claim is Denied
The actions you take after a claim denial can affect your ability to challenge the insurance company and recover your benefits.
Get the Denial in Writing
Request a clear explanation of why the claim was denied, along with the records the insurer used to make its decision.
Save Every Claim Document
Keep the policy, application, claim forms, payment records, beneficiary documents, emails, and letters in one place.
Avoid Signing or Accepting Anything Too Quickly
Do not agree to a reduced payment, release, or settlement before you know whether you are entitled to more.
Talk to a Lawyer
A life insurance lawyer can review the denial, identify problems with the insurer’s reasoning, and explain your options for fighting back.
Appeal deadlines may be short, so speak with our team as soon as possible to protect your claim.
You Won’t Pay A Penny Until We Win For You
You shouldn’t have to worry about legal bills while you’re already dealing with a denied or delayed claim.
Our team of life insurance lawyers handles your case on a contingency fee basis, which means there are no upfront costs, retainers, or hourly fees.
Your case evaluation is free, and you owe us nothing until we recover benefits for you.
Our Proven Process For Fighting Denials
If your claim was denied, you don’t have to face the next steps on your own.
Our life insurance dispute attorneys take over the process, build your case, and push for the full benefits you’re entitled to.
- Review your policy, application, and claim file
- Examine the denial for errors, missing facts, or unsupported conclusions
- Analyze medical records, payment history, employer documents, and beneficiary records
- Gather additional evidence that supports your claim
- Handle all communication with the insurance company
- Prepare and submit a strong appeal or formal claim challenge
- Pursue your benefits through negotiation or legal action when needed
Fighting For Clients Across Iowa
- Ames
- Ankeny
- Bettendorf
- Cedar Falls
- Cedar Rapids
- Council Bluffs
- Davenport
- Des Moines
- Dubuque
- Iowa City
- Marion
- Mason City
- Sioux City
- Urbandale
- Waterloo
A Denial Isn’t The End of The Road. We’ll Fight For Everything You’re Owed.
The insurance company’s decision may not be final, and you could still have a valid path to recover your benefits.
Over the last 20 years, Boonswang Law has fought denied and delayed claims for beneficiaries like you nationwide, recovering over $200 million.
Contact us today for a free case evaluation, and let us pursue every dollar your loved one intended for you.
Clear Answers During This Stressful Time
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