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Our Illinois life insurance lawyers have decades of experience fighting for the rights of life insurance beneficiaries like you.

Losing a loved one is devastating, and a denied life insurance claim adds unnecessary stress to an already difficult time. A life insurance lawyer in Chicago will fight to secure the benefits your loved one intended for you, so you can focus on moving forward while we handle the claims process.

At Boonswang Law, we’ve helped life insurance beneficiaries recover over $200 million in denied or delayed claims. With over 20 years of experience, our life insurance lawyers in Chicago know how to fight back against unethical or illegal insurance company tactics. Your success comes first, so you won’t pay any legal fees until we secure the life insurance benefits you’re rightfully owed.

Let a life insurance lawyer in Chicago fight for the benefits you need to rebuild your future.

Boonswang Law Has Helped Life Insurance Beneficiaries throughout Chicago and Illinois, Including These Cities and the Surrounding Areas:

Our Chicago Life Insurance Lawyers Are Here to Help – No Cost Consultation!

Boonswang Law provides free case evaluations to help you take the first step toward getting the benefits you’re entitled to. Our Illinois life insurance lawyers are ready to listen to your story, answer your questions, and guide you through the claims process with clarity and compassion. Schedule your consultation today and let us fight for the financial support your loved one intended for you.

Life Insurance Denials in Chicago: Common Causes Explained

When a life insurance claim is denied, it can feel like an added burden during an already challenging time. Our life insurance lawyers in Chicago will dispute unfair denials and fight tirelessly to recover the insurance proceeds you’re owed.

Unpaid Premiums

Denied claims due to unpaid premiums often stem from lapses in coverage, which insurers use as justification for withholding benefits. These denials may be issued unfairly, especially if payments were made late but within the policy’s grace period. Our Chicago life insurance attorneys will investigate the insurer’s handling of the policy and work to prove that you are entitled to full life insurance benefits.

Policy Misinterpretation

Insurers frequently use vague or complex policy language to deny claims under the pretense of misinterpretation. This tactic unfairly leaves beneficiaries without the support they deserve. Our life insurance lawyers in Chicago will thoroughly review your policy, challenge the insurer’s misreading of its terms, and fight for the full payout owed to you.

Alleged Misrepresentation and Retroactive Cancellation

Claims of misrepresentation during the policy application process can lead insurers to retroactively cancel coverage and deny benefits. These allegations can be exaggerated or unfounded. Our life insurance lawyers in Chicago will scrutinize the insurer’s actions, challenge baseless cancellations, and work to recover the benefits you deserve.

An Exclusion Applies to the Cause of Death

Life insurance policy exclusions for deaths due to suicide or high-risk activities are sometimes misapplied by insurers to avoid paying claims. Our Chicago life insurance attorneys will build a strong case to overturn denials based on exclusions that were applied incorrectly or unfairly.

Your Complete Guide to Filing a Life Insurance Claim in Chicago

When filing a life insurance claim, start by informing the insurance company of your loved one’s passing and requesting the required claim forms. Gather all supporting documents, such as the death certificate and a copy of the life insurance policy, then carefully complete the claim forms and submit them to the insurer.

Throughout the process, insurers may create obstacles, including delays or denials, that make it harder to secure your benefits. Our life insurance lawyers in Chicago will ensure your paperwork is completed correctly and fight back against unfair rejections to help you get the payout you’re entitled to.

What to Do About Life Insurance Beneficiary Disputes in Chicago

Beneficiary disputes can quickly complicate life insurance claims, often leading to denials or delays in receiving benefits. It’s important to gather key documents like the policy, beneficiary forms, and any related communication to build a clear record of your life insurance case.

Our Chicago attorneys investigate life insurance disputes, gather supporting evidence, and advocate for your rightful claim. With our help, you can fight back against unethical insurers and secure the benefits you need to move forward with confidence after the loss of a loved one.

What You Can Expect When You Work With the Chicago Life Insurance Lawyers at Boonswang Law

Our Chicago life insurance attorneys fight relentlessly to secure the benefits you deserve, handling claim investigations, appeals, and denials with determination. We analyze the specifics of your case and confront life insurance companies that wrongfully deny claims to fight back against unethical or illegal practices.

With decades of experience representing clients and over $200 million recovered, we have the knowledge to handle even the most difficult claims. Let us take on the legal complexities so you can focus on moving forward after your loss.

Avoiding Common Insurance Fraud and Bad Faith Practices

Insurance companies sometimes use deceptive tactics to deny or reduce payouts, leaving families without the financial support they need. Our life insurance lawyers in Chicago will expose these unethical practices and fight to secure every dollar you’re owed.

Indexed Universal Life Insurance

Many insurers market indexed universal life (IUL) policies as secure investments with steady growth. In reality, hidden fees, shifting terms, and unpredictable returns can substantially diminish the payout for beneficiaries. Our life insurance attorneys in Chicago review IUL policies for misleading or unfair practices, ensuring beneficiaries receive the full amount they are entitled to.

Churning Scams

Churning happens when agents push policyholders to replace an existing policy with a new one, often to increase their commissions. This can lead to higher premiums and reduced life insurance coverage, leaving beneficiaries at a loss. Our Chicago life insurance lawyers investigate these unethical actions and fight to recover the benefits promised under the original policy.

Insurance Bad Faith

Bad faith occurs when insurers delay claims, deny valid benefits, or take policy terms out of context to avoid paying. These illegal tactics cause unnecessary hardship for families who are entitled to life insurance benefits. Our life insurance lawyers in Chicago take on insurance companies engaging in bad faith, building strong cases to secure the payouts your loved one intended for you.

Common Questions about Life Insurance Claims in Chicago

What is the Statute of Limitations in Illinois for Contesting When My Life Insurance Claim Was Denied?

Illinois law typically allows five years to contest a life insurance claim denial, starting from the date it was denied. It’s essential to act quickly to preserve your legal rights, as waiting too long can make it harder to secure the benefits you’re entitled to. Our Chicago life insurance lawyers will ensure all deadlines are met and fight to recover the benefits you’re owed.

Can I Still Receive Death Benefits if the Policy Lapsed?

Even if the policy lapsed, you may still be eligible for life insurance benefits if the insurer failed to follow proper notification procedures or if premiums were missed during a grace period. Our life insurance attorneys in Chicago will review the circumstances of the lapse, identify any wrongdoing, and work to recover the payout you deserve.

The Beneficiary Designation Changed Just Before the Policyholder’s Death From Me to Someone Else, What Can I Do?

Last-minute changes to a beneficiary designation often raise concerns about fraud or undue influence. Our Chicago life insurance lawyers will investigate the circumstances of the change, gather evidence, and challenge its validity to protect your claim to the policy benefits.

I Am the Only Named Beneficiary. Am I Allowed to Share the Death Benefits with My Siblings?

As the designated beneficiary, you have full control over how the death benefits are distributed. If you choose to share the payout, it’s entirely your decision and can be arranged informally or through a legal agreement.

What Happens If the Beneficiary Predeceases the Policyholder?

If the primary beneficiary dies before the policyholder, the benefits usually go to the contingent beneficiary or are included in the policyholder’s estate.

When Should a Spouse Contest a Life Insurance Beneficiary Designation?

Spouses should contest a beneficiary designation if there is evidence of fraud, coercion, or if the designation violates laws protecting their rights. Our life insurance attorneys in Chicago will evaluate your case, file a challenge, and fight to secure the benefits you deserve.

Who is Authorized to Change a Life Insurance Beneficiary Designation in TX?

Only the policyholder has the authority to change the beneficiary on a life insurance policy. Any changes made by another party without legal authorization can be challenged with the help of our Chicago life insurance lawyers.

Can the Life Insurance Beneficiary Designation Change After the Policyholder’s Death?

Beneficiary designations cannot be altered after the policyholder’s death. If there are any attempts to redirect benefits, our Chicago life insurance attorneys will step in to protect your rights and ensure the original designation is honored.

What if a Minor is the Designated Life Insurance Beneficiary?

When a minor is named as a beneficiary, the funds are often placed in trust or managed by a legal guardian until the child reaches legal adulthood. Our life insurance lawyers in Chicago guide families through this process and safeguard the minor’s best interests.

I Think a Loved One May Have Had Life Insurance, How Do I Find Out?

Finding a life insurance policy involves searching through financial records, such as bank statements or tax documents, and contacting any known employers. Tools like the National Association of Insurance Commissioners’ (NAIC) policy locator can also help. Our Chicago life insurance lawyers can assist you with locating policies and pursuing the benefits you may be owed.

Boonswang Law: The Team You Need for Chicago Life Insurance Claims

If your life insurance claim has been denied, delayed, or disputed, our Chicago life insurance lawyers are here to fight for you. Boonswang Law has the experience and determination to take on insurance companies and secure the benefits your loved one intended for you.

Contact us today for a free consultation and let an experienced life insurance lawyer in Chicago fight for the benefits you’re entitled to after the loss of a loved one.