Get Your Free Case Evaluation
No Fee Unless We Win
Our Phoenix Life Insurance Lawyers Bring Decades of Experience to Help Beneficiaries Like You
Your loved one took out a life insurance policy to provide for your future — but now the insurance company is refusing to pay. Don’t let them get away with it. A life insurance lawyer in Phoenix, AZ will negotiate with the insurance company, challenge unfair claim denials, and fight for the payout you deserve.
At Boonswang Law, we’ve spent decades advocating for life insurance beneficiaries across Phoenix and nationwide, recovering over $200 million in claims. Led by Chad G. Boonswang, Esquire, our Phoenix life insurance lawyers know the tactics insurers use to deny payouts, and we push back aggressively. Whether your claim has been denied, delayed, or disputed, our Phoenix life insurance attorneys will handle every step of the claims process so you can focus on healing.
Let a life insurance lawyer in Phoenix fight for the benefits your loved one intended for you.
Boonswang Law Supports Life Insurance Beneficiaries in Phoenix and Arizona, Including These Locations:
- Phoenix
- Tucson
- Mesa
- Chandler
- Scottsdale
- Glendale
- Gilbert
- Tempe
- Peoria
- Surprise
- San Tan Valley
- Yuma
- Avendale
- Goodyear
- Flagstaff
Resolve Your Claim with a Free Consultation from Phoenix Life Insurance Lawyers!
If your life insurance claim has been denied, delayed, or disputed, you don’t have to face the insurance company alone. Our Arizona life insurance lawyers in Phoenix offer free consultations to review your case, explain your legal options, and help you take the next steps toward securing your rightful benefits.
Don’t let insurers take advantage of you. Schedule a free consultation with Boonswang Law today and let us fight for your financial security.
Contact an Arizona Life Insurance Lawyer at Boonswang Law For a Free Consultation
Reasons Life Insurance Claims Get Denied in Phoenix
Insurance companies deny life insurance claims for many reasons—some valid, others based on misleading or bad-faith tactics. Our life insurance lawyers in Phoenix push back against wrongful denials and fight for your full payout.
Unpaid Premiums
Missing a premium payment doesn’t always void a policy, but insurers may use it as an excuse to deny claims. Many policies include grace periods, auto-deductions, and reinstatement options that insurers conveniently overlook. Our Phoenix life insurance attorneys examine payment records, dispute wrongful lapses, and work to reinstate coverage whenever possible.
Policy Terms Misunderstood
Life insurance contracts are filled with complicated language, and insurers often misinterpret policy terms to justify a denial. You may be told that your loved one’s death isn’t covered—even when it is. Our life insurance lawyers in Phoenix will analyze the fine print, challenge unfair denials, and ensure you receive the benefits you’re entitled to.
Exclusion for Cause of Death
Some policies exclude payouts for suicide, drug use, or risky activities, but insurers sometimes misapply these rules. Our Phoenix life insurance attorneys will investigate the cause of death, dispute wrongful exclusions, and advocate for your rightful payout.
Misrepresentation or Policy Cancellation
Insurance companies may claim that your loved one provided inaccurate information on their application and attempt to cancel the policy retroactively. In many cases, these claims are exaggerated or entirely unfounded. Our Phoenix life insurance lawyers will challenge unfair cancellations and fight to uphold your loved one’s intentions.
Making Life Insurance Claims Simpler in Phoenix
Filing a life insurance claim should be straightforward, but insurers often make the process confusing and intentionally delay payouts. Our Phoenix life insurance attorneys will ensure your claim is filed correctly and push back against unnecessary roadblocks.
Follow these steps to correctly file a life insurance claim in Phoenix:Â
- Notify the Insurance Company: Report the policyholder’s passing as soon as possible.
- Complete the Claim Form:Â Accurately fill out the necessary paperwork.
- Gather Supporting Documents:Â Submit the policy contract, death certificate, and proof of identity for the beneficiary.
- Wait for Claim Review:Â The insurer will evaluate the claim, which can take several weeks.
- Respond to Requests for Additional Information:Â A Phoenix life insurance lawyer can help you handle insurer requests without giving them reasons to delay or deny your claim.
- Receive the Benefit Payout or Challenge a Denial: If your claim is denied, our attorneys will take aggressive legal action to fight for the compensation you’re owed.
Steps to Settle Beneficiary Disputes in Phoenix Life Insurance Claims
Disagreements over life insurance payouts can arise when multiple people claim to be beneficiaries, or when unexpected changes are made to the policy. If you’re facing a dispute, take these steps to protect your right to the benefits:
- Collect Relevant Documents:Â Collect the policy, beneficiary designations, and any relevant correspondence with the insurer.
- Analyze the Policy’s Terms: Review the policy’s specific rules about beneficiaries and exclusions.
- Identify Potential Dispute Causes:Â Conflicts may stem from suspected fraud, undue influence, or policy changes made when the policyholder was vulnerable.
- Avoid Quick Agreements: Insurers may try to pressure you into accepting a lower payout—speak with an attorney first.
- Seek Legal Support:Â A life insurance lawyer in Phoenix will investigate the dispute, challenge unjust changes, and fight to protect your rightful benefits.
What to Expect When You Work with Phoenix Life Insurance Lawyers at Boonswang Law
When you work with our life insurance lawyers in Phoenix, you’ll get:
- Decades of Experience fighting bad-faith insurance practices
- Over $200 million recovered for beneficiaries
- Aggressive negotiation & litigation to secure the payout you deserve
- No fees until we win your case
- Â
Your financial security is our top priority: let us fight for what’s rightfully yours.
Avoiding Common Insurance Fraud and Bad Faith Practices
Insurance companies don’t always play fair, using deceptive tactics to deny or reduce payouts to beneficiaries. Our life insurance lawyers in Phoenix will identify these unethical practices and fight for the full benefits you’re entitled to.
Indexed Universal Life Insurance
IUL policies are often marketed as secure investments with growth potential, but they come with hidden fees, fluctuating interest rates, and unpredictable payouts. Many policyholders don’t realize how these factors can shrink their benefits until it’s too late. If your indexed universal life insurance policy was misrepresented, our life insurance attorneys in Phoenix will investigate the terms and hold the insurer accountable.
Churning Scams
Some insurance agents push policyholders into replacing their existing life insurance policies with new ones in order to earn higher commissions. This practice, known as churning, can lead to higher premiums, reduced benefits, and unnecessary financial losses for beneficiaries. Our life insurance lawyers in Phoenix will review your case, uncover fraudulent policy replacements, and fight to recover the benefits you were promised.
Insurance Bad Faith
Delaying payments, denying valid claims, and misinterpreting policies are common tactics insurance companies use to avoid paying out benefits. These actions aren’t just unfair — they’re illegal. Our life insurance attorneys in Phoenix take on insurers acting in bad faith and fight aggressively for the payout your loved one intended for you.
What to Expect When You Hire an Experienced Arizona Life Insurance Lawyer
The team of life insurance attorneys at Boonswang Law in Arizona is here to offer numerous benefits, making the process of navigating life insurance policies and handling your life insurance claim considerably easier. Let us assist you in several important ways:
- We take charge of all interactions and discussions with the life insurance company, reducing the burden on your shoulders.
- We ensure you are constantly informed about any updates or progress in your case.
- We delve into the reasons cited for the delay or denial of your claim, scrutinizing the details.
- We examine the circumstances around the insured person’s death, verifying whether the reason provided for denial is indeed valid.
- We help solve any disputes over incorrect payment amounts you might encounter.
Bear in mind, life insurance companies can sometimes be quick to find reasons to postpone or even deny your claim for death benefits. In such cases, legitimate claims may not receive fair treatment. At Boonswang Law, we’re committed to helping you stand up against these injustices and ensure you receive the payout you’re entitled to.
Frequently Asked Questions About Life Insurance Claims in Phoenix
What is the Statute of Limitations for Contesting Life Insurance Denials in Arizona?
In Arizona, a life insurance company cannot modify or request an adjustment to a claim denial more than one year after the initial denial. If your claim has been wrongfully denied or delayed, our life insurance lawyers in Phoenix will act quickly to investigate, gather supporting evidence, and fight for the benefits you’re legally owed before the deadline passes.
Can I Still Receive Death Benefits if the Policy Lapsed?
A policy lapse does not always mean that the insurer can refuse to pay. If the policyholder missed payments due to improper notice, administrative errors, or an active grace period, you may still be able to recover benefits. Our Phoenix life insurance attorneys will review policy terms, analyze payment history, and challenge any wrongful lapse-related denials to secure the payout.
The Beneficiary Designation Changed Right Before Death, What Are My Options?
If a life insurance beneficiary was suddenly changed right before the policyholder’s passing, it could indicate fraud, undue influence, or a lack of mental capacity. Our life insurance lawyers in Phoenix will investigate the circumstances, collect evidence, and take legal action to ensure the rightful beneficiary receives the payout as intended.
I Am the Only Named Beneficiary. Can I Share the Death Benefits with My Siblings?
As the sole named beneficiary, you have full legal control over the life insurance payout. However, if you wish to share the benefits, certain tax and legal considerations may apply. Our Phoenix life insurance attorneys will guide you through the process to handle benefits distribution legally and fairly.
How Can I Find Out If a Loved One Had Life Insurance?
If you believe your loved one had a life insurance policy but don’t have the details, check their financial records, bank statements, emails, or personal files for any policy documents. You can also use the National Association of Insurance Commissioners (NAIC) Policy Locator Service. Our Phoenix life insurance lawyers can assist in tracking down missing policies and ensuring you receive any benefits that are rightfully owed to you.
When Should a Spouse Challenge a Life Insurance Beneficiary Designation?
A spouse may need to contest a life insurance beneficiary designation if it was changed under suspicious circumstances, such as fraud, undue influence, or violations of Arizona’s marital property laws. If you believe a change was made without the policyholder’s true intent, our life insurance attorneys in Phoenix will investigate the situation and fight for the rightful distribution of benefits.
Who Can Change a Life Insurance Beneficiary in AZ?
Only the policyholder has the legal right to change the designated beneficiary, and all changes must comply with policy terms and state regulations. If you suspect that someone else altered the designation without consent, our Phoenix life insurance attorneys will take legal action to restore the rightful beneficiary’s claim.
Can the Life Insurance Beneficiary Be Changed After Death?
No. Once the policyholder passes away, the named life insurance beneficiary cannot legally be changed. If an insurance company or third party attempts to alter the payout distribution, our Phoenix life insurance lawyers will challenge the modification and protect your legal rights.
What Happens if a Minor Is the Life Insurance Beneficiary?
If a minor is the named beneficiary, the payout is typically held in a trust or managed by a court-appointed guardian until the child reaches legal adulthood. Our Phoenix life insurance attorneys provide legal guidance to ensure that the benefits are protected and used for the child’s best interests.
What If the Beneficiary Dies Before the Policyholder?
If the named beneficiary passes away before the policyholder, the benefits typically transfer to a contingent beneficiary (if one is listed). If no backup beneficiary exists, the proceeds may be paid to the policyholder’s estate. Our life insurance lawyers in Phoenix will determine the rightful recipient and guide you through the claims process.
Get Legal Guidance for Phoenix Life Insurance Claims from Boonswang Law
Our life insurance lawyers in Phoenix have the resources and determination to fight for the life insurance benefits you’re owed. We hold insurers accountable for wrongful denials, delays, and bad-faith practices, fighting for the payout your loved one intended.
Start building your case with a Phoenix life insurance attorney.
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
