Life Insurance Lawyers in New York

We Push Back, You Get Paid

With 20+ years of legal experience, our attorneys stand up to insurance companies to secure your rightful benefits.

✓ No Fee Unless We Win
✓ Free Case Evaluation
✓ Nationwide Representation

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 across California, Florida, South Carolina, Texas, New Jersey, and nationwide, and we’re ready to fight for you.

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

“5 stars is just not enough for Mr. Boonswang (Chad) and his team. This is the firm that you want to have on your side when you are facing intricate legal problems. They are incredibly professional, empathetic, and knowledgeable. Excellent communication. Easy to work with. Chad went above and beyond on our case- we can't recommend Boonswang Law enough!”

“They have been awesome with my case. Joseph is an excellent attorney. He is competent with up to date knowledge, kindness and compassion. I would highly recommend and trust them.”

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

No matter how the insurance company is trying to justify a delay or denial, we won’t back down. Our life insurance lawyers challenge their position and fight for the full payout your loved one intended for you.

We take on a wide range of life insurance disputes, including:

Denied Life Insurance Claims

Delayed Death Benefit Payments

Lapsed Policy Disputes

Alleged Misrepresentation on Applications

ERISA Group Life Insurance Claims

Accidental Death (AD&D) Denials

Beneficiary Disputes

Employer Notice Failures

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.

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.

How We Take On Major Life Insurance Companies

When a claim is wrongfully denied or delayed, insurance companies are counting on you to give up or accept less than what you’re owed. We won’t accept this. Our life insurance lawyers build a strong case to challenge their position and push for a full payout.

Here’s what our process looks like:

Assess the Denial

We review your policy, claim documents, and the insurer’s explanation to identify holes in their reasoning.

Build a Strong Case

Our team gathers medical records, supporting evidence, and policy details to construct a clear, well-supported argument aimed at reversing the denial.

Push for Payment Or Take Legal Action

We negotiate directly with the insurance company to pursue your benefits. If they continue to stall or refuse, we’re fully prepared to file a lawsuit to recover what’s rightfully yours.

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, you can have your case reviewed by our 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
Mount Vernon
New Rochelle
New York City
Niagara Falls
Rochester
Schenectady
Syracuse
Troy
Utica
West Seneca
White Plains

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

Yes, in certain situations. Disputes can arise after divorce, remarriage, or if there’s reason to believe the designation doesn’t reflect the policyholder’s true intent.

In some cases, yes. Certain policies include grace periods or reinstatement options that may allow coverage to remain in effect despite missed payments.

Yes. If there are concerns about pressure, fraud, or the policyholder’s mental state at the time of the change, it may be challenged.

No. Once the policyholder passes away, the listed beneficiary is generally final, though disputes over validity can still be raised in court.