Life Insurance Lawyer in South Carolina
Get Your
Life Insurance Paid
Get Your Life Insurance Paid
Get Your Free Case Evaluation
No Fee Unless We Win
The Life Insurance Law Firm - Boonswang Law
For South Carolina beneficiaries struggling to receive payment on valid life insurance claims, Boonswang Law provides focused legal representation to help recover the benefits you’re owed. Our life insurance denial lawyers cut through insurance delays, denials, and tactics designed to discourage rightful payouts.
With over 20 years of experience, our South Carolina life insurance claim attorneys focus exclusively on securing life insurance benefits for beneficiaries. We handle cases involving delayed or denied claims, as well as disputes caused by family issues such as divorce, estrangement, or competing beneficiaries.
Insurance companies often stall or deny legitimate claims, leaving families without the financial support their loved one intended. Boonswang Law works to protect your rights as a policyholder or beneficiary and pursue the full payout owed under the policy.
Call us today and talk with a SC life insurance lawyer to find out how to get your life insurance claim paid
Life Insurance Denial Lawyers Who Fight for Your Benefits
When life insurance disputes arise, you need attorneys who understand how to assert your rights and pursue the benefits owed to you. Boonswang Law represents South Carolina beneficiaries in life insurance claim disputes, with decades of experience holding insurance companies accountable.
If your claim has been delayed or denied, contact Boonswang Law to discuss your situation and understand your legal options.
Talk With a South Carolina Life Insurance Lawyer — Free Consultation
If you believe your life insurance claim is being delayed or denied unfairly, contact Boonswang Law for a free consultation. You’ll speak directly with a life insurance claim denial attorney who can review your situation and explain your legal options.
We’re Here to Help You With Your Life Insurance Claim
Boonswang Law helps South Carolina beneficiaries understand their options and take the next step toward receiving their life insurance benefits.
Common Reasons Life Insurance Claims Are Denied in SC
If your life insurance claim has been denied, understanding the reason for the denial is an important first step. Insurance companies often rely on specific policy provisions or technical arguments to justify withholding benefits. Boonswang Law helps beneficiaries identify the basis for a denial and determine how to challenge it.
Interpretation Issues
Life insurance policies often contain vague or complex language. Insurers may rely on narrow interpretations to deny claims. Our life insurance lawyers review policy terms carefully and challenge unfair interpretations that conflict with the policyholder’s intent and applicable law.
Premiums Were Not Paid
Insurance companies may deny claims by asserting that a policy lapsed due to missed premium payments. Our life insurance claim attorneys examine payment histories, grace periods, and potential billing issues to determine whether coverage should still apply.
Self-inflicted Injuries
Some policies exclude coverage for suicide or self-inflicted injuries. Insurers may improperly apply these exclusions by mischaracterizing accidents or relying on incomplete information. Our life insurance claim attorneys challenge unsupported conclusions used to justify denial.
Retroactive Cancellation
Insurers may attempt to cancel a policy after a death has occurred, citing alleged misrepresentation or underwriting issues. Our life insurance claim attorneys assess whether a retroactive cancellation is legally valid and pursue reinstatement of coverage when appropriate.
Insurance Scams & Bad Faith: What to Watch Out For
Insurance scams and bad faith claim practices can create additional obstacles for life insurance beneficiaries. Understanding how these tactics work can help you recognize problems early and take appropriate action when insurers or agents act unfairly.
Indexed Universal Life (IUL) Insurance
Indexed Universal Life (IUL) Insurance policies are often marketed as offering strong returns and flexibility, but the actual terms may not match what was promised. If you suspect that you’ve been deceived in this way, an IUL lawyer will conduct a comprehensive review of your policy and advise you on potential courses of legal action.
Churning Scams
Churning occurs when an insurance agent encourages unnecessary policy replacements for personal financial gain. These actions can reduce benefits, increase costs, or jeopardize coverage altogether. Reviewing policy changes and transaction histories is often necessary to identify improper conduct.
Insurance Bad Faith
Bad faith occurs when an insurance company unreasonably delays, undervalues, or denies a valid life insurance claim. In these situations, beneficiaries may have grounds to challenge the insurer’s conduct and seek the benefits owed under the policy.
Frequent SC Life Insurance Questions
Who Can Change The Beneficiary On a Life Insurance Policy in SC?
In South Carolina, typically only the policyholder has the authority to change the beneficiary. If you find that a change has been made without proper authorization, Boonswang Law can help rectify this legally.
How Long Do I Have to Dispute a Life Insurance Claim Denial?
Timelines for disputing a denial can vary based on the specific circumstances of your case, including the insurance provider’s policies and South Carolina state law. It’s crucial to consult Boonswang Law promptly to ensure you don’t miss any important deadlines that could affect your claim.
What Happens if a Life Insurance Policy Lists a Deceased Beneficiary?
If a named beneficiary has passed away, the policy terms determine how benefits are distributed. In many cases, proceeds may go to a contingent beneficiary or, if none is listed, be paid according to applicable law. Reviewing the policy is necessary to determine how benefits should be properly allocated.
What If a Life Policy Lists No Beneficiary?
If a life insurance policy does not name a beneficiary, the proceeds are typically paid to the insured’s estate and may be subject to probate. The policy and applicable law determine how the benefits are ultimately distributed.
How Do I Find Out If My Loved One Had A Life Insurance Policy?
If you’re unsure whether a loved one had a life insurance policy, there are several places to check, including personal records, employer benefits, financial statements, and correspondence from insurers. In some cases, a broader search may be needed to identify forgotten or inactive policies.
Can Siblings Share Life Insurance Benefits?
Yes. A life insurance policy may name multiple beneficiaries, including siblings. How benefits are divided depends on the policy’s terms or the instructions left by the policyholder.
Can I Contest Death Benefits If The Beneficiary Changed Recently?
A recent beneficiary change may be challenged if there is evidence of fraud, undue influence, or lack of capacity. Reviewing the circumstances surrounding the change is necessary to determine whether the designation can be contested.
Can I Receive Death Benefits if an Insurance Policy Lapsed?
Receiving benefits from a lapsed life insurance policy can be difficult, but it may still be possible in certain situations. Grace periods, reinstatement provisions, or payment history may affect whether coverage was in force at the time of death.
Can The Beneficiary on a Life Insurance Policy Change After The Policy Holder’s Death?
In most cases, a life insurance beneficiary cannot be changed after the policyholder’s death. Limited exceptions may apply depending on the policy terms or applicable law, which can be determined by reviewing the policy.
Can A Spouse Contest A Life Insurance Policy?
A spouse may have grounds to contest a life insurance policy in certain situations, such as when they were removed as a beneficiary under questionable circumstances. Potential grounds can include fraud, undue influence, or concerns about the policyholder’s capacity.
You Don’t Have to Figure This Out Alone
If your life insurance claim has been denied or delayed, you can speak with a lawyer about your situation during a free consultation. The goal is to review the facts, explain your options, and determine whether the denial can be challenged.
Call to schedule a free, no-obligation consultation.
Life Insurance Attorneys Serving These States
- 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