Life Insurance Lawyer in Chicago

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Decades of Experience Fighting For Beneficiaries Like You.

Losing a loved one is devastating, and a denied life insurance claim only adds to an already painful time. A life insurance lawyer in Chicago can fight to secure the benefits your loved one intended for you, allowing you to focus on healing while we handle the claims process.

At Boonswang Law, we’ve helped life insurance beneficiaries recover over $200 million in denied or delayed claims. With over 20 years of experience, we know how to fight back against unethical or illegal insurance company tactics. Your success comes first, so you won’t pay any legal fees until we secure the benefits you’re rightfully owed.

Let a life insurance lawyer in Chicago fight for the benefits you need to rebuild your future.

Serving Life Insurance Beneficiaries Throughout Chicago and Illinois

Talk Through Your Life Insurance Claim With a Lawyer – No Cost Consultation!

A free consultation lets you talk through what’s happening with your life insurance claim and get clear answers about your options. If something doesn’t feel right, a conversation can help you decide what to do next.

Life Insurance Denials: Common Causes Explained

A denied life insurance claim can add stress during an already difficult time. Understanding the reason for the denial is often the first step toward determining whether it can be challenged.

Unpaid Premiums

Claims may be denied if an insurer asserts that a policy lapsed due to unpaid premiums. In some cases, late payments, grace periods, or billing issues may affect whether coverage was actually in force. Reviewing the payment history is often necessary to assess the denial.

Policy Misinterpretation

Insurance policies can contain vague or technical language that insurers rely on to deny claims. A careful review of the policy terms can help determine whether the denial is based on an unreasonable or incorrect interpretation.

An Exclusion Applies to the Cause of Death

Some policies exclude coverage for specific causes of death, such as suicide or certain activities. These exclusions may be applied incorrectly or too broadly, depending on the circumstances and policy language.

Alleged Misrepresentation and Retroactive Cancellation

Insurers may claim misrepresentation during the application process and attempt to cancel a policy after a death occurs. Whether a retroactive cancellation is valid depends on the facts and the policy terms.

Your Complete Guide to Filing a Life Insurance Claim

To file a life insurance claim, notify the insurance company of the death and request the required claim forms. You’ll typically need to submit documentation such as a death certificate and a copy of the policy, along with the completed forms.

If delays, questions, or denials arise, reviewing the paperwork and the insurer’s response can help determine whether the claim was handled properly.

How Beneficiary Disputes Can Affect Your Claim

Beneficiary disputes can quickly complicate life insurance claims, often leading to denials or delays in receiving benefits. It’s important to gather key documents like the policy, beneficiary forms, and any related communication to build a clear record of your life insurance case.

Our attorneys investigate life insurance disputes, gather supporting evidence, and advocate for your claim. With our help, you can fight back against unethical insurers and secure the benefits you need to move forward with confidence after the loss of a loved one.

What You Can Expect When You Work With Boonswang Law

Our life insurance attorneys fight relentlessly to secure the benefits you deserve, handling claim investigations, appeals, and denials with determination. We analyze the specifics of your case and confront life insurance companies that wrongfully deny claims to fight back against unethical or illegal practices.

With decades of experience representing clients and over $200 million recovered, we have the knowledge to handle even the most difficult claims. Let us take on the legal complexities so you can focus on moving forward after your loss.

Avoiding Common Insurance Fraud and Bad Faith Practices

Insurance companies sometimes use deceptive tactics to deny or reduce payouts, leaving families without the financial support they need. Our attorneys will expose these unethical practices and fight to secure every dollar you’re owed.

Indexed Universal Life Insurance

Many insurers market indexed universal life (IUL) policies as secure investments with steady growth. In reality, hidden fees, shifting terms, and unpredictable returns can substantially diminish the payout for beneficiaries. Our IUL lawyers review these policies for misleading or unfair practices, ensuring beneficiaries receive the full amount they are entitled to.

Churning Scams

Churning happens when agents push policyholders to replace an existing policy with a new one, often to increase their commissions. This can lead to higher premiums and reduced life insurance coverage, leaving beneficiaries at a loss. We fight to recover the benefits promised under the original policy.

Insurance Bad Faith

Bad faith occurs when insurers delay claims, deny valid benefits, or take policy terms out of context to avoid paying. These illegal tactics cause unnecessary hardship for families who are entitled to life insurance benefits. Our lawyers take on insurance companies, building strong cases to secure the payouts your loved one intended for you.

Life Insurance Questions Families Often Ask

What is the statute of limitations in Illinois for contesting a life insurance claim denial?

In Illinois, life insurance claim disputes are generally subject to a five-year statute of limitations, starting from the date of the denial. Missing this deadline can prevent you from challenging the insurer’s decision.

Can I still receive death benefits if the policy lapsed?

In some situations, benefits may still be available after a policy lapse. Grace periods, billing errors, or improper notice by the insurer can affect whether coverage was actually terminated.

What if the beneficiary was changed shortly before the policyholder’s death?

A recent beneficiary change may raise concerns about fraud, undue influence, or lack of capacity. The timing and circumstances of the change are often key factors in determining whether it can be challenged.

I am the only named beneficiary. May I share the benefits with my siblings?

Yes. As the named beneficiary, you control how the proceeds are used after they are paid to you. Any sharing of benefits is a personal decision and may be handled informally or through a legal agreement.

How do I find out if a loved one had life insurance?

Start by reviewing financial records, bank statements, employer benefits, and tax documents. Tools such as the NAIC policy locator may also help identify unknown or inactive policies.

Can a life insurance beneficiary be changed after the policyholder’s death?

In most cases, no. Beneficiary designations generally cannot be changed after death. Disputes usually focus on whether a prior change was valid.

What happens if a minor is named as the life insurance beneficiary?

When a minor is named as a beneficiary, the proceeds are typically managed by a guardian or placed in a trust until the child reaches legal adulthood.

What happens if the beneficiary dies before the policyholder?

If the primary beneficiary predeceases the policyholder, benefits usually pass to a contingent beneficiary. If none is listed, the proceeds may become part of the policyholder’s estate.

Let’s Take the Next Step Together

If your life insurance claim has been denied, delayed, or disputed, our Chicago life insurance lawyers are here to fight for you. Boonswang Law has the experience and determination to take on insurance companies and secure the benefits your loved one intended for you.

Call to schedule a free, no-obligation consultation.