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Our Los Angeles life insurance lawyers have decades of experience fighting for the rights of life insurance beneficiaries like you.
Losing someone you love is heartbreaking, and facing a denied life insurance claim only makes it harder to move forward. You deserve the benefits your loved one intended for you, and a life insurance lawyer in Los Angeles will take on the insurance company and fight for the financial support you need to rebuild your future.
Led by Chad G. Boonswang, Esquire, Boonswang Law has built a trusted reputation as one of the nation’s top life insurance legal teams. With decades of experience and over $200 million recovered for our clients, we have the knowledge and determination to challenge powerful insurance companies and secure the benefits you’re entitled to. You don’t need more financial stress during this difficult time, so we work on a contingency fee basis– you won’t pay us until we win your case.
Let a life insurance lawyer in Los Angeles fight for the benefits you’re owed.Â
Boonswang Law Has Helped Life Insurance Beneficiaries throughout Los Angeles, Including these Cities and the Surrounding Areas:
- Long Beach
- Santa Clarita
- Glendale
- Lancaster
- Palmdale
- Pomona
- Torrance
- Pasadena
- Downey
- West Covina
- El Monte
- Inglewood
- Burbank
- Norwalk
- Carson
Discuss Your Claim with a CA Life Insurance Lawyer Today - Free of Charge!
Boonswang Law offers free consultations, helping life insurance beneficiaries take the first step toward recovering their benefits. Our California life insurance lawyers are always available to discuss your claim, provide legal representation, and handle communication with the insurance company to make this challenging time easier for you.Â
Common Reasons Life Insurance Companies Deny Claims in Los Angeles
Life insurance companies often deny claims for reasons that seem unfair or unclear, leaving beneficiaries without the support they were promised. Our life insurance lawyers in Los Angeles handle all types of claim denials, challenging insurers to recover the benefits you’re entitled to.
Unpaid Premiums
Insurance companies frequently cite unpaid premiums as a reason to deny claims, often claiming that the policy lapsed before the policyholder’s death. These denials are sometimes issued unfairly, such as when payments were made late but within the grace period. Our life insurance attorneys in Los Angeles will investigate the insurer’s handling of the policy and fight to prove your right to the benefits.
Policy Misinterpretation
Misinterpretation of policy terms is a common tactic insurers use to avoid payouts. They twist language in the policy to deny rightful claims, leaving beneficiaries frustrated and confused. Our life insurance law firm in Los Angeles will carefully analyze your policy, challenge the insurer’s misinterpretations, and advocate for the payout you deserve.
An Exclusion Applies to the Cause of Death
When life insurance policies include exclusions for suicide or risky activities, insurers may apply them incorrectly or unfairly. These exclusions are not always as straightforward as insurers claim. Our life insurance lawyers in Los Angeles will investigate the details surrounding your claim and fight to overturn improper denials based on exclusions.
Alleged Misrepresentation and Retroactive Cancellation
Insurance companies may accuse the policyholder of misrepresentation during the application process, leading to retroactive cancellation of the policy. These claims are often exaggerated or baseless to evade paying out benefits. Our Los Angeles, California, life insurance lawyers will examine the application and the insurer’s actions, building a strong case to secure the benefits you were promised.
The Life Insurance Claims Process in Los Angeles
When filing a life insurance claim, notify the insurance company of the policyholder’s death and request all necessary claim forms. Compile all required documentation, including the death certificate and a copy of the policy, and complete the forms accurately before submitting them to the insurer.Â
Once the claim is submitted, the insurer will review it and decide whether to approve or deny the payout. A life insurance lawyer in Los Angeles can challenge any delays or denials to secure the life insurance benefits you’re owed.
Beneficiary Disputes in Los Angeles Life Insurance Claims
If your life insurance claim is denied due to a beneficiary dispute, it’s important to take action immediately. Start by collecting all relevant documentation, such as the policy, beneficiary designation forms, and correspondence with the insurance company.Â
Beneficiary disputes can be complicated– they often involve allegations of fraud or undue influence. A life insurance lawyer in Los Angeles can investigate your case, resolve disputes, and fight to ensure you receive the benefits you’re entitled to.
What You Can Expect When You Work With the Los Angeles Life Insurance Lawyers at Boonswang Law
At Boonswang Law, our Los Angeles life insurance lawyers will handle every aspect of the life insurance claims process to make this difficult time easier for you and your family. We assess the details of your case, challenge the insurance company’s reasons for denial, and push for the benefits you’re owed.Â
With decades of experience and a track record of securing millions for clients, we have the knowledge and determination to take on even the toughest claims. You can trust us to handle the paperwork, appeals, and negotiations while you grieve the loss of your loved one.
Insurance Scams & Bad Faith: What to Watch Out For
Life insurance companies often unethically deny or delay payouts, leaving beneficiaries without the financial support they were promised. Our Los Angeles life insurance lawyers uncover these practices, challenge the insurers, and fight to secure the benefits you deserve.
Indexed Universal Life Insurance
Life insurers often promote indexed universal life (IUL) policies as safe investments, but hidden fees and fluctuating returns can significantly reduce the payout. Misleading details about these policies can leave beneficiaries unprepared and underpaid. Our Los Angeles life insurance attorneys will examine the terms of your policy, expose any misrepresentations, and take action to recover the full benefits owed to you.
Churning Scams
With churning scams, life insurance agents convince policyholders to replace existing policies with new ones to boost their commissions. This practice increases life insurance premiums and reduces coverage, leaving beneficiaries without the benefits they’re entitled to. Our life insurance lawyers in Los Angeles investigate these unethical actions and fight tirelessly for the benefits you’re owed.
Insurance Bad Faith
Bad faith occurs when insurers delay payouts, deny valid claims, or twist policy terms to avoid payment. These tactics insurance companies use are illegal and leave families struggling to access the support they need. Boonswang Law takes on insurers using bad faith insurance practices, builds a strong case against them, and fights to secure the payout you’re entitled to.
Common Questions about Life Insurance Claims in Los Angeles
I Think a Loved One May Have Had Life Insurance, How Do I Find Out?
To determine if your loved one had life insurance, review personal records like bank statements, tax returns, or policy paperwork. You can also contact their employer or use tools like the National Association of Insurance Commissioners’ (NAIC) policy locator service to uncover hidden policies. Our Los Angeles life insurance lawyers can help you locate any policies and pursue the benefits you’re owed.
What is the Statute of Limitations in California for Contesting When My Life Insurance Claim Was Denied?
California law gives you three years to contest a denied life insurance claim, starting from the date you were notified of the denial. It’s important to act promptly to preserve your right to challenge the insurer’s decision. Our life insurance attorneys in Los Angeles will ensure you meet all legal deadlines and fight to recover the life insurance benefits you are entitled to.
Can I Still Receive Death Benefits if the Policy Lapsed?
If the life insurance policy has lapsed, you may still qualify for benefits if the insurer failed to properly notify the policyholder or if premiums were missed during a grace period. Our Los Angeles life insurance lawyers will investigate why the policy lapsed, challenge the denial if applicable, and take steps to recover the benefits owed to you.
Who is Authorized to Change a Life Insurance Beneficiary Designation in CA?
Only the policyholder has the legal authority to change the beneficiary designation on a life insurance policy. Any unauthorized changes made by another party are invalid and can be challenged. Our life insurance lawyers in Los Angeles will investigate unauthorized alterations to ensure the rightful beneficiary receives the payout.
Can the Life Insurance Beneficiary Designation Change After the Policyholder’s Death?
A beneficiary designation cannot legally be altered after the policyholder’s death. If an insurer or third party attempts to redirect benefits, Boonswang attorneys will protect your rights and secure the benefits outlined in the original policy.
What if a Minor is the Designated Life Insurance Beneficiary?
When a minor is named as a beneficiary, the benefits are typically held in trust or managed by a legal guardian until the child reaches adulthood. A life insurance lawyer in Los Angeles can protect the minor’s best interests and ensure the benefits are distributed appropriately.
What Happens If the Beneficiary Predeceases the Policyholder?
If the named beneficiary passes away before the policyholder, the benefits typically transfer to the contingent beneficiary or become part of the policyholder’s estate. Our Los Angeles life insurance lawyers will clarify how the policy handles such situations and help you claim any benefits that are rightfully yours.
I Am the Only Named Beneficiary. Am I Allowed to Share the Death Benefits with My Siblings?
As the sole beneficiary, you control how the benefits are distributed. If you choose to share the payout, you can do so voluntarily, but the decision is entirely yours.
The Beneficiary Designation Changed Just Before the Policyholder’s Death From Me to Someone Else, What Can I Do?
Last-minute beneficiary changes can raise concerns about undue influence or fraud. If this happens, a life insurance lawyer in Los Angeles can challenge the validity of the change and provide evidence to support your claim.
When Should a Spouse Contest a Life Insurance Beneficiary Designation?
A spouse should contest a life insurance designation if there is evidence of fraud, coercion, or if the designation violates state laws protecting spousal rights. Our lawyers will evaluate the situation, file the necessary challenges, and advocate to protect your share of the benefits.
Call Boonswang Law Today To Discuss Your Claim with a Life Insurance Lawyer in California
If your life insurance claim has been denied, delayed, or disputed, Boonswang Law is ready to fight for the benefits you’re owed. Our experienced Los Angeles life insurance lawyers have the knowledge and determination to hold insurance companies accountable for unfair practices and secure the best outcomes for our clients.
Schedule a free consultation with Boonswang Law today and let a life insurance lawyer in Los Angeles fight for the benefits you’re entitled to.
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