Life Insurance Lawyers in New York
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Get The Benefits Your Loved One Intended For You
Losing someone you love is hard enough. Dealing with a denied or delayed life insurance payout shouldn’t be part of it. Our life insurance lawyers in New York take the weight off your shoulders and fight for the benefits you’re rightfully owed.
Insurance companies don’t always play fair. They may point to technicalities in the policy or claim there were issues with the original application in an effort to avoid paying. We won’t accept this.
Over the last 20 years, our life insurance lawyers have overturned countless denied life insurance claims, ERISA disputes, accidental death (AD&D) denials, and TSGLI cases.
We’ve secured over $200 million for beneficiaries from New York City to Albany and nationwide including Florida, South Carolina, Texas, and New Jersey.
Don’t let the insurance company keep what’s rightfully yours. Let us take on the fight for you.
“This was truly a difficult case, these guys are a true championship team.”
Hear From Our Clients
Contestability Period for Life Insurance Claims in New York
In New York, an insurer generally has two years after a life insurance policy begins to challenge statements made in the application.
After that deadline, the policy becomes incontestable, even if the insurer later claims the applicant intentionally provided false information.
The insurer may still raise limited issues, such as unpaid premiums and certain disability or accidental death benefits.
Our New York life insurance attorneys can challenge a denial that ignores this strict two-year cutoff.
Why Do Insurers Deny Life Insurance Claims?
Not every denied life insurance claim is justified. Carriers often rely on misinterpretations of policy language or use small details to avoid paying, but that doesn’t mean their decision is final.
Common Reasons Life Insurance Claims Are Denied
- Allegations of inaccurate or incomplete information on the application
- Missed premium payments that led to a policy lapse
- Exclusions tied to the cause of death
- Conflicts over the rightful beneficiary
- Reviews during the contestability period
Signs The Insurance Company May Be Acting Unfairly
- Long delays with little to no communication
- Twisting or selectively applying policy terms
- Ignoring key medical records or supporting evidence
- Canceling or disputing coverage after a claim is filed
A denial doesn’t automatically mean you’re out of options. Our life insurance lawyers will investigate the insurer’s reasoning and fight to recover the benefits you’re owed.
We Handle All Types of Benefit Disputes On Your Behalf
We take on a wide range of life insurance disputes for clients in Buffalo, Long Island, Yonkers and across New York, including:
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 claim denials involve several overlapping reasons. If you don’t see your situation listed, we’ll walk you through your options and help you take the next steps.
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 What We’ve Done For Beneficiaries Like You
$1.25M
ING Insurance Company
$1M
New York Life Insurance Company
$780K
AIG American General Life Insurance Co.
What To Do After A Denial, Step By Step
If your claim has been denied, follow these steps to strengthen your claim:
Get the Reason for the Denial in Writing
Ask the insurer to explain why your claim was denied and provide the documents and policy provisions they used to support that decision.
Organize All Records Connected to the Claim
Keep copies of the policy, application, premium history, claim forms, beneficiary documents, and all messages from the insurance company.
Don’t Sign Anything or Accept Offers
Don’t take a partial payment or sign a release until you know whether you may have a right to full benefits.
Meet With An Attorney
Our life insurance lawyers can identify overlooked evidence, unsupported claims, and other issues that may give you grounds to fight the denial.
Deadlines can impact your ability to appeal, so get in touch with us as soon as possible.
Start Your Case with $0 Upfront
We handle life insurance cases on a contingency basis, meaning we only get paid if we recover money for you. No upfront costs. No risk to you.
If your claim has been denied or delayed, from upstate New York to Manhattan, you can have your case reviewed by our life insurance attorneys without financial stress.
When Insurers Block Your Claim, We Don’t Back Down
You’re dealing with enough. Let us take the weight off your shoulders.
If your claim has been delayed, denied, or challenged, we handle the legal process from start to finish, including:
- Reviewing the policy to determine the full amount you’re owed
- Challenging the insurance company’s reasoning and identifying gaps
- Analyzing applications, medical records, and claim documentation
- Gathering additional evidence to strengthen your position
- Managing all communication with the insurer so you don’t have to
- Preparing and submitting a detailed appeal on your behalf
- Taking legal action if the insurance company refuses to pay
Insurance companies will do anything to limit your payout. We’re here to make sure you receive every dollar your loved one intended for you.
Fighting For Clients Throughout New York
- Albany
- Buffalo
- Brentwood
- Cheektowaga
- Long Island
- Mount Vernon
- New Rochelle
- New York City
- Niagara Falls
- Rochester
- Schenectady
- Syracuse
- Troy
- Utica
- West Seneca
- White Plains
- Yonkers
A Claim Denial Isn’t Always Final. Let’s Talk About Your Case.
Being told “no” by the insurance company doesn’t have to be the end of your claim. Many denials can be challenged and overturned with the right legal strategy.
Our attorneys have recovered more than $200 million for beneficiaries across the country by fighting back against insurers who refused to pay. We’re ready to do the same for you.
Reach out today for a free case evaluation. There’s no upfront cost, and you won’t owe anything until we recover your benefits.
What You Should Know As A Beneficiary
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