Life Insurance Lawyer Serving Missouri & Defending You

If the delay is unreasonable, meaning, the life insurance company had no valid reason for waiting to pay your claim, you may be entitled to interest on the death benefit. Call us to discuss your case.

You can — and should — submit an appeal but it is in your best interest to have Boonswang Law do so on your behalf. Life insurance companies frequently deny valid claims to protect their bottom line and make money for their shareholders. 

When you receive the denial letter you should also receive documents explaining how to contest the denial with the life insurance company. 

Call us if you need to contest denial of your life insurance claim — we can help you fight back.

Since a minor cannot directly receive life insurance death benefits, minors listed as beneficiaries will be assigned conservators by the Missouri courts. However, conservators have free reign over the minor’s beneficiary funds until they come of age. 

Those creating insurance policies who want a minor to receive death benefits should set up a trust with a minor as the beneficiary of the trust. They can then name the trust as a beneficiary of the life insurance policy. This allows more freedom in appointing a trustee.

Though policyholders have the right to change their beneficiaries at any time before their death, you can contest a beneficiary change if you suspect it was fraudulent or made under duress.

However, it can be very challenging to prove these suspicions, so it’s best to have experienced life insurance attorneys on your side.

If you’re a beneficiary being denied life insurance benefits because of lapse payments, you can submit an appeal. If the policy was mishandled by the insurance company or the insured’s employer, you may still be entitled to payments. Contact our Missouri life insurance lawyers — we’ll help you submit a thorough appeal.

There is no public record of those who held insurance policies. If you believe your deceased loved one had a life insurance policy, you can examine their paperwork and bank statements for evidence that one exists. You can also contact their former employer to see if life insurance was offered as part of their benefits.

Never — if the beneficiary was changed after the date of the policyholder’s death it is a fraudulent change. If you believe someone is being dishonest, contact Boonswang Law to assist you.

Yes — especially if the policyholder was married more than once. If you were a current or former spouse of the deceased policyholder and were not named a beneficiary, you can contest the policy. The life insurance lawyers at Boonswang Law can help you fight for what’s yours.

If there’s no beneficiary listed on your loved one’s life insurance policy, the benefits will be paid out to the secondary or contingent beneficiary. If there are no secondary or contingent beneficiaries listed — or they cannot be located — funds from the policy will likely be paid into the estate.

Life insurance funds paid into the estate are subject to the same taxes and fees as the estate. This means the policyholder’s heirs may still get some of the funds, but it will likely be less than the amount listed in the life insurance policy.  Call Boonswang Law to assist you in getting the estate paid.