Boonswang Law Has a Team of Experienced GA Life Insurance Lawyers Ready to Fight for You
Contact a GA Life Insurance Lawyer at Boonswang Law to Set Up a Free Consultation
For decades, our team of life insurance lawyers has helped people throughout GA receive their rightful life insurance benefits.
A policyholder purchases a life insurance policy to ensure the financial well-being of loved ones. Some business owners purchase life insurance to make it possible for co-owners of a business to continue operations if they die.
You would think that life insurance beneficiaries automatically receive the death benefit once the policyholder dies. This is not always the case. Life insurance companies thwart the goals of the policyholder by unfairly and incorrectly denying or delaying payment on life insurance claims. If you feel your life insurance claim was wrongly denied or delayed, the life insurance attorneys at The Boonswang Law Firm can help.
Our GA Life Insurance Lawyers Have Helped Beneficiaries from these Areas Among Others:
- Sandy Springs
- South Fulton
- Johns Creek
- Warner Robins
Common Reasons for Denial of Life Insurance Benefits in GA
Interpretation Issues with the Policy
It is all too common for life insurance companies to interpret the terms of the policy in such a way as to deny your payout. Remember, they only make money for their shareholders when they don’t pay claims!
Policy Premiums Were Not Paid
A life insurance contract is simple–the policyholder pays premiums and the life insurance company provides coverage. When premiums are not paid, coverage ends.
Ending life insurance coverage is highly regulated and often life insurance companies and employers who provide group life insurance coverage to employees fail to follow those regulations, resulting in nonpayment of premiums. This is not the fault of the policyholder and in these instances, we may be able to get the beneficiary paid.
The Policyholder Allegedly Died of Self-inflicted Injuries
Suicide is a common exclusion in life insurance policies, meaning, it is excluded from coverage. This is allowed as a matter of public policy to prevent people from purchasing life insurance for their loved ones knowing they intend to commit suicide.
Unfortunately, many causes of death can be interpreted as suicide. In these cases, we investigate, determine the true cause of death, and get our clients paid.
Retroactive Cancellation Due to Misrepresentation
If the policyholder made a mistake on the initial application for life insurance or the medical questionnaire, the life insurance company will allege that the policyholder misrepresented themselves in order to get a lower premium payment and deny beneficiaries’ claims.
In these cases, if the alleged misrepresentation had nothing to do with the cause of death, we have gotten our clients paid. Even if the misrepresentation was related to the cause of death, we may be able to get our client paid the death benefit minus the amount the policyholder would have paid in premiums had the life insurance company known of the missing fact.
READY TO TALK TO AN ATTORNEY ABOUT YOUR LIFE INSURANCE BENEFITS?
What to Expect When You Work with Boonswang Law
Our team of skilled GA life insurance lawyers promise to:
- Review the terms of the life insurance policy terms and provisions to determine coverage and exclusions
- Review the denial letter and any other correspondence from the life insurance company to identify the reasons for a delay or denial of your claim
- Negotiate with the life insurance company to get you a payout when there is a dispute
- Pursue your claim in court against the life insurance company when they are acting unreasonably or dishonestly in delaying or denying the payment of a valid life insurance policy
- Investigate claims and allegations made by the life insurance company in denying your claim to refute or cast doubt on those claims
Life insurance companies are staffed by experts, consultants, and lawyers whose task is to look out for the company’s profit margin. The more premiums a life insurance company collects and the fewer death benefit claims they pay out., the more money they make for its shareholders. In other words, the interests of the life insurance company are at odds with yours and your family’s.
The Boonswang Law Firm will advocate for you to get you the death benefits you deserve after your loved one’s death.
Frequently Asked Questions About GA Life Insurance
WHO CAN CHANGE THE BENEFICIARY ON A LIFE INSURANCE POLICY IN GA?
Only the policyholder can change their life insurance beneficiary in Georgia. If someone else changed the beneficiary, this is fraud and should be contested.
HOW LONG DO I HAVE TO DISPUTE A LIFE INSURANCE CLAIM DENIAL?
There is no time limit, however, the sooner you dispute a denied life insurance claim the better, in order to have the best chance of collecting evidence that your claim should be paid.
WHAT HAPPENS IF THE BENEFICIARY ON A LIFE INSURANCE POLICY IS NO LONGER LIVING?
If the primary beneficiary died before the policyholder, the life insurance company will pay the death benefit to the secondary beneficiary or the contingent beneficiary. If the policyholder did not designate secondary or contingent beneficiaries, the death benefit can be paid to the policyholder’s estate.
WHAT IF THERE IS NO BENEFICIARY LISTED ON THE LIFE INSURANCE POLICY?
Similar to the situation when the beneficiary has predeceased the policyholder, the life insurance company will pay out to the policyholder’s estate.
HOW WILL I KNOW IF MY LOVED ONE HAD A LIFE INSURANCE POLICY?
If you suspect a loved one had a life insurance policy but don’t know for sure, you will have to dig around for evidence. The contents of a safe-deposit box might give you a clue, or your loved one’s desk drawers. You can also look through your loved one’s recent mail for premium notices, and look through bank account statements for evidence of premium payments.
CAN I SHARE LIFE INSURANCE BENEFITS WITH MY SIBLINGS?
Of course! It is common for a policyholder to name one child as a beneficiary. Nothing prevents you from sharing the death benefit with your siblings.
CAN DEATH BENEFITS BE CONTESTED IF THE BENEFICIARY WAS CHANGED RECENTLY?
A beneficiary change can be contested if you suspect the change was made fraudulently or under duress. These are very difficult to prove, so be sure to contact an experienced life insurance beneficiary attorney for help litigating this.
CAN I STILL RECEIVE DEATH BENEFITS IF THE INSURANCE POLICY HAS LAPSED?
It is possible, if the lapse was not the fault of the policyholder, for example, if an employer failed to give the policyholder conversion papers or improperly administered the policy, or if the life insurance company failed to send the policyholder the legally-required notices of lapse.
CAN THE BENEFICIARY ON A LIFE INSURANCE POLICY BE CHANGED AFTER THE POLICY HOLDER’S DEATH?
Absolutely not. If the beneficiary was changed after the date of the policyholder’s death, that change was fraudulent. Contact an experienced life insurance beneficiary attorney immediately.
CAN A SPOUSE CONTEST A LIFE INSURANCE POLICY?
Yes, if they were supposed to be the beneficiary for any reason and someone else was named.