Life Insurance Lawyers
We’ve appealed more life insurance claims than any firm in America.
✓ No Fee Unless We Win
✓ Free Case Evaluation
✓ Nationwide Representation
Life Insurance Claim Denied? We Help Beneficiaries Get Paid.
After losing someone you love, the last thing you expect is a battle with an insurance company. When a claim is delayed or denied, it can feel like a second loss.
Insurers often point to technical policy language or application details to justify withholding payment, but that does not mean their decision is final.
For more than 20 years, the Boonswang Law Firm has helped beneficiaries nationwide challenge denied claims, ERISA plan decisions, AD&D denials, and TSGLI disputes.
Our life insurance attorneys have recovered tens of millions of dollars in wrongfully denied or delayed benefits for clients across the country, including in Texas, Florida, New York and New Jersey.
If your claim has been challenged, we are ready to step in and fight for the full benefit you were promised.
“THANK YOU BOONSWANG LAW FIRM. If I could give you more than five stars I would.”
What Beneficiaries Are Saying
Why Life Insurance Claims Are Denied — And When Those Denials Cross the Line
Life insurance companies deny claims for a variety of reasons. Some denials are based on legitimate coverage disputes. Others involve overly aggressive interpretations of policy language or bad faith claim handling.
Common Reasons for Denial
- Alleged misrepresentation on the application
- Policy lapse for nonpayment
- Suicide or self-inflicted injury exclusions
- Beneficiary disputes
- Contestability period investigations
When Denials May Involve Bad Faith
- Delaying investigations without justification
- Misrepresenting policy terms
- Ignoring medical evidence
- Retroactively rescinding coverage after a claim is filed
Whether your claim involves a common policy dispute or bad faith conduct, our life insurance attorneys know how to contest the decision and pursue the full benefit you were promised.
We Handle Every Type of Life Insurance Dispute
Claim denials are rarely the end of the story. We know how to push back. Our life insurance attorneys focus exclusively on helping beneficiaries fight back against wrongful denials and recover the full death benefit they were promised.
We represent beneficiaries in a wide range of denied and disputed life insurance matters, including:
Delayed Death Benefit Payments
Lapsed Policy Disputes
Alleged Misrepresentation on Applications
Employer Notice Failures
If your situation is not listed, we encourage you to contact us. Many claim denials involve overlapping issues.
Examples of Some Recent Recoveries
$1.25M
ING Insurance Company
$1M
New York Life Insurance Company
$780K
AIG American General Life Insurance Co.
How We Take On Insurance Companies and Win
In many cases, a beneficiary submits a claim form and death certificate, and the insurer issues payment within a few weeks.
But when a claim is delayed or denied, the process shifts from routine paperwork to legal strategy.
Here’s what happens next:
We Review the Denial
We analyze the policy, claim file, and the insurer’s reasoning to identify errors, inconsistencies, and weaknesses.
We Build the Appeal
In many cases, the appeal is the most critical stage. We prepare a comprehensive submission supported by medical records, documentation, and legal argument.
We Push for Payment
We negotiate directly with the insurer and pursue litigation when necessary to recover the full benefit owed.
Life insurance appeals are subject to strict deadlines. Acting quickly helps protect your rights and preserve your options.
You Pay Nothing Unless We Win
We handle life insurance claim disputes on a contingency basis. That means there are no upfront fees and no hourly billing.
You only pay if we successfully recover benefits on your behalf.
If your claim has been denied or delayed, there is no risk in having our life insurance attorneys review your case.
When Insurance Companies Push Back, We Push Harder
You shouldn’t have to argue with an insurance company after losing someone you love. When a life insurance claim is denied or delayed, we step in and take control.
Here’s what we take care of for you:
- Reviewing your policy to confirm the coverage owed
- Analyzing the denial and exposing weaknesses in the insurer’s position
- Examining applications, medical records, and supporting documents
- Gathering additional evidence to strengthen your claim
- Handling all communication with the insurance company
- Preparing and submitting a comprehensive appeal
- Negotiating for full payment or filing suit when necessary
Insurance companies have teams focused on protecting their bottom line. We focus on protecting yours.
Don’t Let a Life Insurance Denial Go Unchallenged
If your claim has been denied or delayed, you may have legal options. Our life insurance attorneys have recovered tens of millions of dollars for beneficiaries nationwide.
There is no fee unless we win.
Common Questions From Families Facing a Denied Claim
Ready to Talk to a Lawyer About Your
Unpaid Life Insurance Benefits?
Representing Life Insurance Beneficiaries Nationwide
- 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