Life Insurance Lawyer Serving Maine

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A Team of Experienced Maine Life Insurance Lawyers Are Ready to Help You With Your Life Insurance Claim

When you need an experienced life insurance lawyer serving ME, call the dedicated team at Boonswang Law. We’ve helped people throughout Maine file their claim for life insurance death benefits and fight against life insurance claim denial. 

Don’t take no for an answer! Life insurance companies are quick to deny claims because they only make money for their shareholders when they don’t pay out. You can fight back. We can help.

Contact Boonswang Law for a free consultation today.

Boonswang Law has helped life insurance beneficiaries who live in and near the following cities in Maine:

Contact a Maine Life Insurance Lawyer at Boonswang Law For Your Free, No-Obligation Case Review

Reasons Life Insurance Companies Frequently Use to Deny Life Insurance Claims in Maine

You would think that life insurance beneficiaries automatically receive death benefits when a policyholder dies. This is rarely the case. Life insurance companies often deny claims for death benefits for the following reasons, and often unjustifiably upon investigation.

The Life Insurance Policy Lapsed Due to Non-Payment of Premiums

In order to maintain life insurance coverage, a policyholder must pay a premium each month. If the policyholder fails to remit payment, life insurance coverage will lapse. Any claims for death benefits thereafter will be denied.

This is not as large a hurdle to jump as it may seem at first. Frequently, policy lapse is not the fault of the policyholder. Perhaps the policyholder’s employer failed to give or process the forms to convert group coverage to an individual life insurance policy. Perhaps the life insurance company failed to send legally-required notices to the policyholder. Perhaps the policyholder was eligible for a disability waiver of premium and did not get that.

If your claim was denied due to policy lapse, call us. We may be able to help you get paid.

Need Help With Your Life Insurance Claim? Call the Maine Life Insurance Lawyers at Boonswang Law Today

You are coping with all of the emotional and legal issues surrounding the death of a loved one, and that can be overwhelming enough without adding having to deal with a life insurance company. 

You don’t have to go through this alone. We have helped many Maine life insurance beneficiaries get the death benefits their loved one intended that they receive.

Contact Boonswang Law today or call (855) 865-4335 for your free, no-obligation case review.

A Policy Exclusion Applies to the Cause of Death

Every life insurance policy lists causes of death that are excluded from coverage. Common exclusions include suicide and acts of war or terrorism. If the policyholder’s death circumstances are even possibly covered in a written exclusion, the life insurance company will deny a claim for death benefits.

If your life insurance claim was denied because an exclusion allegedly applies to the policyholder’s cause of death, give us a call. A ME life insurance lawyer can help you get paid.

Foreign Death Certificate Insufficient Proof of Death

All life insurance companies require official proof of the death of the policyholder in order to process a beneficiary’s claim. Life insurance companies typically accept proof of death in the form of a certified death certificate, an obituary, or a bill from the funeral home. However, if the policyholder died overseas, sometimes foreign documents are not enough to prove death. If your claim has been denied for this reason, contact us – we can help you.

Alleged Misrepresentation on the Part of the Policyholder

If the policyholder enters incorrect information on their initial application for life insurance and medical questionnaire, the life insurance company may deny a beneficiary’s claim for death benefits due to alleged misrepresentation. This is the case even if the error was an innocent mistake!

Life insurance companies are allowed to deny claims when the policyholder allegedly misrepresents themselves in order to deter people from lying about things like health conditions, lifestyle habits, or age on their applications just to get a lower premium payment.

We have been able to show many, many times that the alleged  misrepresentation was not made with intent to defraud, and got our client paid. If your claim was denied due to alleged misrepresentation, give us a call.

Insurance Scams & Bad Faith: What to Watch Out For

Shady insurance practices can cause trouble for honest policyholders. It’s important to be vigilant and keep an eye out for potential scams or bad-faith actions by your insurer, especially when it comes to life insurance. Here are some of the most common life insurance scams you might come across in Maine.

Indexed Universal Life Insurance

Indexed universal life insurance, or IUL for short, is a type of permanent life insurance where the cash value of your policy is tied to a stock market index. This might sound great due to the chance of high returns, but it’s not without its risks.

Some insurers may oversell the potential benefits while glossing over the possible downsides or the intricacies of how the policy’s interest is calculated. This could lead to you ending up with less cash value than you expected.

If you think you’ve been sold an IUL policy under misleading conditions, you might benefit from legal assistance. As a life insurance law firm serving folks all over Maine, we can help you understand your rights and figure out your next steps.


Churning Scams

Churning is a dodgy practice where an agent convinces you to swap out your existing life insurance policy for a new one, mainly to earn a hefty commission. 

Often, this new policy can come with extra costs, fees, or terms that aren’t in your favor. Worse yet, churning typically involves cashing out your current policy, which could land you with an unexpected tax bill. 

If you suspect you’ve fallen victim to a churning scam, don’t hesitate to get legal advice. We have an impressive track record of uncovering these scams and fighting for justice.

Insurance Bad Faith

By law, insurance companies are supposed to act in good faith. That means they’re expected to handle claims promptly, fairly, and honestly. But sometimes, insurers fall short of this mark. They might deny a claim without a good reason, drag their feet processing a claim, or refuse to pay the full claim amount.

These actions can be seen as ‘bad faith’ insurance practices. If you think you’ve been on the receiving end of such actions, remember, you don’t have to stand for it. We’re committed to holding insurance companies accountable and helping you get what you were entitled to receive.

What You Can Expect When You Work With an Experienced Maine Life Insurance Lawyer

Rather than trying to handle your claim on your own, reap the many benefits of working with the ME life insurance lawyers at Boonswang Law. Remember, we take life insurance cases on a contingency basis, which means we do not get paid unless you do. Beside the fact that you won’t pay out of pocket, here are some of the other ways we can assist you with your claim:

  • We handle all communication with the life insurance company, so you don’t have to
  • We update you when there are developments in your case
  • We answer your correspondence quickly and in full
  • We fully investigate the reasons given for your claim being denied or delayed
  • We fully investigate the cause of death of the policyholder
  • We determine whether the denial reason used actually applies
  • We resolve disputes over incorrect payout amounts

Purely to make a profit, life insurance companies are incentivized to cite any possible reason to delay or deny your claim for death benefits. Many valid life insurance claims are denied, or payout is delayed. We will help you fight back against this unfair treatment in order to get the compensation you deserve.

Frequently Asked Questions About Life Insurance Benefits in ME

My Claim Was Denied Due to Policy Lapse. What Can I Do About it?

You can contest the denial and perhaps get a payout after all. Call us – we will investigate and help you discover and assess the circumstances causing coverage to lapse. If the lapse was not the fault of the policyholder, you may still receive death benefits. 

Every lapse situation is different, so it’s best to talk to an experienced Maine life insurance lawyer. Call us so that we can investigate the specific circumstances in question and help you get paid.

Without knowing for certain whether your loved one had life insurance coverage, you can investigate. Try contacting their employer to ask about group life insurance coverage, looking through their important papers for documents relating to a life insurance policy, and reviewing their bank statements for evidence of life insurance premiums being paid.

A life insurance company typically takes 30-60 days to process and pay a claim for death benefits. If you work with an ME life insurance lawyer from the start, your lawyer can ensure that your claim is filed timely and correctly and that the process goes as smoothly as possible.

It sounds like your claim is being delayed unreasonably, and in that case, the life insurance company may owe you interest on the death benefit. Give us a call – we can help you get paid.

A minor cannot receive life insurance death benefits. If the policyholder did not set up a trust for the death benefit to be paid into, a court will have to step in and appoint someone to administer the funds for the minor child.

You can and should contest the claim denial. The life insurance company will send you a letter of explanation setting forth the reason or reasons they denied your claim. In many cases, we have found that those reasons are insufficient or do not actually apply. 

An experienced ME life insurance lawyer can assist you in disputing a denied claim. Call us – we know how to navigate the process to improve your chances of getting the money your loved one intended you receive.

You can contest the denial. Call us for help. We thoroughly investigate every misrepresentation case we get and very often find that while a mistake was made, the policyholder had no intent to deceive the life insurance company. We have gotten many payouts for our clients under these circumstances.

If the designated beneficiary died before the policyholder or cannot be found, and the policyholder did not name contingent or secondary beneficiaries, the death benefits will be paid to the policyholder’s estate. 

Unfortunately, this means the death benefit is subject to the claims of the policyholder’s creditors. Policyholders should keep their beneficiary designations up-to-date and name contingent beneficiaries to avoid this.

If you have reason to suspect that the change in beneficiary designation was made fraudulently or under duress, or if the change was made in defiance of a court order, then yes, you should file a beneficiary dispute.

Absolutely not. Any forms showing that the beneficiary has been changed after the date of the insured’s death are fraudulent. Contact Boonswang Law immediately if you have reason to believe that someone is trying to scam you out of the death benefits you should be getting.

Yes, if they have reason to do so. Whether a former spouse or the current spouse is the beneficiary despite someone else being designated as such depends upon state law, and that varies state-to-state. An experienced life insurance lawyer can help you understand your rights as the policyholder’s spouse or former spouse.