Life Insurance Lawyer Serving Kansas

If the policyholder had group life insurance through their employer, you will have sixty (60) days under federal ERISA law to contest a denied claim.

If the policy is individual, it is crucial that you file a claim denial dispute as soon as possible to have the best chance of finding and preserving evidence supporting payment of your claim. Having a life insurance attorney handle your dispute is highly recommended, so you can feel confident that everything is being done correctly.

We have gotten clients paid on lapsed policies under a wide variety of circumstances, but the answer to this will depend on your unique case.

Life insurance policies typically have a grace period for unpaid premiums, so you may still be able to receive death benefits in the event of a missed payment. In cases where the lapse was not the fault of the policyholder, such as when the policyholder should have gotten a disability waiver of premium and did not, we have been able to get our clients paid.

In the state of Kansas, only the policyholder can change the beneficiary designation on their policy. There have been instances where a person with power of attorney over the policyholder can make legal and binding beneficiary designation changes, but these cases are uncommon.

No. If you receive paperwork showing that the beneficiary changed after the policyholder’s death, it is most likely fraudulent. Contact the attorneys at Boonswang Law immediately for help.

A minor cannot be the direct recipient of death benefits in Kansas. If the beneficiary is still a minor when the policyholder dies, the court will likely choose a custodian to oversee the death benefits. Unfortunately, it can be difficult to prevent the custodian from using the minor beneficiary’s payout for their own purposes.

A life insurance policyholder should consider setting up a trust if their desired beneficiary is a minor. This way, the policyholder can appoint a relative or friend to administer the trust and act as the minor’s fiduciary. We recommend hiring an estate planning attorney to help you understand the legalities of establishing a trust.

A minor cannot be the direct recipient of death benefits in Kansas. If the beneficiary is still a minor when the policyholder dies, the court will likely choose a custodian to oversee the death benefits. Unfortunately, it can be difficult to prevent the custodian from using the minor beneficiary’s payout for their own purposes.

A life insurance policyholder should consider setting up a trust if their desired beneficiary is a minor. This way, the policyholder can appoint a relative or friend to administer the trust and act as the minor’s fiduciary. We recommend hiring an estate planning attorney to help you understand the legalities of establishing a trust.

Yes! It is not uncommon for policyholders to list one of their children as a beneficiary on their life insurance policy, with the expectation that they will share the payout with their siblings. 

If you are the sole beneficiary, you cannot retroactively add your siblings to the policy. However, there’s nothing stopping you from sharing the death benefits with them once you receive them.

Policyholders can change the beneficiary designation at any time during the policy term, as long as they are of sound mind and not under duress when they make the change. However, if you suspect that the designation was made fraudulently or that the policyholder changed the beneficiary under duress, you may be able to contest it.

These cases are notoriously difficult to prove, so contact an experienced KS life insurance attorney for help.

Confusion may arise following the death of a divorced or remarried policyholder, and the process varies from state to state. The KS lawyers at Boonswang Law can explain what you’re entitled to as a spouse or former spouse, even if there is not a court order governing the beneficiary designation.