Life Insurance Lawyer Serving Virginia

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Putting Our 20+ Years of Life Insurance Legal Experience to Work For You

Your loved one paid into their life insurance policy, and now the insurance company is withholding your rightful benefits. At Boonswang Law, we won’t let them get away with it.

Our life insurance lawyers serving Virginia have spent the last 20 years fighting for beneficiaries, recovering more than $200 million for clients like you. Whether your benefits have been denied, delayed, or misinterpreted, we won’t back down until the insurer pays what you’re owed.

You’ve been through enough. Let us fight for your benefits while you focus on your family.

Boonswang Law Assists Life Insurance Beneficiaries Across Virginia, Including These Locations:

Let’s Resolve Your Claim — Book Your Free Consultation

Don’t let the insurance company withhold the benefits your loved one intended for you. If your claim has been delayed or denied, schedule a free consultation to review your case with our life insurance lawyers.

You won’t pay a dime until we win for you, so you can pursue the payout you’re owed without financial stress.

Why Was Your Life Insurance Claim Denied? Common Reasons

Policy Premiums Not Paid

A missed payment doesn’t always mean your loved one’s policy has lapsed, but life insurance companies will bend over backwards to deny your claim. When they try to ignore grace periods, reinstatement options, or other policy terms, we review payment records and fight for the benefits you’re owed.

Want to know more about whether you can recover benefits after an alleged policy lapse? Read our full article.

Misinterpretation of Policy Terms

Insurance companies may try to use unclear language to deny your claim, attempting to prove an alleged policy violation. Our attorneys will review the details of your policy, dispute misinterpretations, and fight for the full benefits you’re owed.

Death from Self-Inflicted Injuries

All life insurance policies list exclusions for causes of death that are not covered, such as accidents, drug use, or suicide. When the insurance company tries to apply these exclusions incorrectly, our attorneys will challenge their decision and fight for your full benefits.

Retroactive Cancellation of the Policy

If the policyholder made a mistake on their initial application or medical questionnaire, the insurance company may try to retroactively cancel their policy and deny your claim. Our attorneys will prove that the alleged misrepresentation had nothing to do with the cause of death and fight to recover the full benefits you’re owed.

Life insurance company stalling your claim? Learn what to do in our full blog post.

Insurance Scams & Bad Faith: What to Watch Out For

Unfortunately, scams and bad-faith actions are not uncommon in the world of life insurance. Here are a few of the most common scams in Virginia and what to watch out for when dealing with life insurance agents and companies.

Indexed Universal Life Insurance

All too often, insurance agents glorify the potential returns of an Indexed Universal Life Insurance policy without a full explanation of the hidden costs.

If a sales agent oversold the benefits of an IUL policy while downplaying the risks, our life insurance attorneys will advocate for your policyholder rights.

Churning Scams

Churning is when an insurance agent convinces a policyholder to switch policies or make unnecessary changes, which can result in increased premiums or lost benefits.

If your loved one has been a victim of a churning scam, we’ll investigate and fight for your rightful benefits.

Insurance Bad Faith

When the insurance company uses unethical tactics to deny, delay, or underpay a legitimate claim, we’ll hold them accountable and fight for your rightful benefits.

The Life Insurance Claims Process: A Clear Breakdown

We won’t let the insurance company slow down the claims process with unnecessary delays. Our life insurance lawyers will handle every step of your case to secure the payout you’re owed.

Follow these simple steps to file a life insurance claim:

Notify the Insurance Company: Report your loved one’s passing and request any necessary claim forms.
Fill Out the Claim Forms: Make sure you accurately fill out the paperwork to avoid delays.
Gather Required Documents: Provide the death certificate, policy information, and any additional paperwork the insurance company needs.
Claim Review Begins: The insurer will review your claim, which can take weeks or months.
Respond to Additional Requests: If the insurance company asks for more details, our attorneys will make sure they’re legitimate and not bad faith tactics.
Payout or Appeal a Denial: If your claim is denied, we’ll fight back to secure the benefits you’re owed.

If the life insurance company has denied and delayed your claim, don’t wait to take action. Speak with a life insurance attorney today.

Settling A Beneficiary Dispute: How It Works

Disputes over rightful beneficiaries can delay your claim or affect your benefits payout.

If you’re facing a conflict over who is the rightful beneficiary of your loved one’s life insurance policy, follow these steps:

Gather Policy Documents: Collect the life insurance policy, beneficiary designation forms, and any documented communication with the insurer.
Review the Policy’s Terms: Assess the policy’s beneficiary rules to determine whether exclusions or certain conditions apply.
Determine the Cause of the Dispute: Suspected fraud, undue influence, or unexpected last-minute policy changes are common causes of disputes.
Hold Off on Signing Agreements: Do not agree to settlements or waivers before meeting with a life insurance lawyer.
Consult a Life Insurance Lawyer: Our attorneys will challenge the insurer’s disputes and fight for the rightful benefits you’re owed.

Why Work With Boonswang Law?

Life insurance companies have powerful legal teams, so you need attorneys who aren’t afraid to back down. At Boonswang Law, we’ve spent over two decades challenging wrongful delays and denials for clients like you. We know how insurers operate, and we won’t back down until they pay the benefits you’re owed.

Here’s why clients in Virginia come to us when life insurance companies try to take advantage of their loss:

Track record of$200 million recovered for life insurance beneficiaries
20+ years of experience in life insurance law
Nationally recognized for our life insurance claim recoveries, which are among the highest in the United States
You won’t pay until we win your case, so you can pursue your benefits without financial strain
We handle cases of all sizes—every client is important to us

Questions About Life Insurance? Start Here

In Virginia, the power to change the beneficiary of a life insurance policy generally resides with the policy owner. If this designation has been changed by someone else, this could be considered fraud. We’ll review the terms of your policy, especially if you suspect unscrupulous actions.

Yes, there is a statute of limitations to dispute a life insurance claim denial in Virginia, but only for employer-sponsored group life insurance policies. This statute is 60 days. That said, we can sometimes get that period of time extended if there is a good reason for not appealing within the 60 days.

Always be sure to consult your insurance policy to determine the best timeline for filing claims.

When there is a deceased beneficiary on the policy, the proceeds are usually paid to a contingent beneficiary or secondary beneficiary if one is named.

Without any living beneficiaries listed, the proceeds will become part of the insured’s estate. This can be avoided by updating beneficiaries and making sure to list a secondary or contingent beneficiary.

Check their personal records, contact their employer, or reach out to known insurance agents or companies. A life insurance lawyer can also assist you in this process.

Yes, you can share life insurance benefits with your if you are named as the beneficiary and wish to divide the benefits.

It’s the right of the policyholder to change the beneficiary up until their death. If the change was legitimate, there’s nothing for you to do.

However, if the change was illegitimate or suspicious, consult with a life insurance lawyer as soon as possible. They can review the circumstances, such as potential undue influence or lack of mental capacity, and guide you through the legal steps to contest the change if warranted.

If the lapse wasn’t the fault of the policyholder, you may still have options to pursue a claim. Employer negligence, insurance company error, and banking errors are some common reasons policies lapse without any fault to the policyholder.

No. A life insurance beneficiary designation cannot be changed after the policyholder dies. Once the policyholder passes away, the beneficiary designation becomes irrevocable, and the benefits will be paid to the named beneficiary.

Yes. If the spouse was supposed to be the beneficiary and a change occurred under suspected fraud or duress, the spouse has the right to contest the designation.

Life Insurance Attorneys Serving These States

Let Us Fight For Your Rightful Benefits. Contact Boonswang Law Today.

You’re grieving your loved one, and now the life insurance company is denying your claim—we won’t let them get away with it. With 20+ years of experience and a proven track record of successful recoveries, Boonswang Law won’t back down until the insurer pays the benefits you’re owed.