Life Insurance Lawyer Serving Montana & Advocating for You

The Life Insurance Beneficiary Firm

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Let Our Team of Experienced Montana Life Insurance Lawyers Help You With Your Life Insurance Claim

When you need a life insurance lawyer serving MT, look no further than Boonswang Law. Our life insurance lawyers have helped people in Montana file their claims for life insurance death benefits and fight unfair life insurance claim denials. 

You don’t have to take no for an answer! Life insurance companies frequently deny claims for unfounded reasons because they only make money for their shareholders when they don’t pay claims. We will help you fight back.

Contact the life insurance lawyers at Boonswang Law today to schedule your free consultation and find out how much your case is worth. 

Boonswang Law’s dedicated team of life insurance lawyers has helped life insurance beneficiaries who live in and near the following cities in Montana:

Contact Boonswang Law For Your Free, No-Obligation Case Review with a Life Insurance Lawyer serving Montana

Reasons Life Insurance Companies May Deny Life Insurance Beneficiary Claims in Montana

Life insurance beneficiaries should just automatically receive the death benefit when the insured dies, however, this rarely happens. Why? Again, life insurance companies exist to make money, not to pay out. Life insurance companies often deny claims for death benefits for the following reasons, which often turn out to be wrong when we investigate further.

Failing to Pay Premiums

A policyholder must pay a premium each month to maintain life insurance coverage. If payments are not made, life insurance coverage will lapse, causing claims for death benefits to be denied.

Frequently, the lapse in coverage was not the fault of the policyholder. Our team of dedicated life insurance lawyers has secured payouts for our clients when the life insurance provider or the policyholder’s employer was at fault.

Call us if your claim was denied due to policy lapse. We may be able to help you.

Call the Montana Life Insurance Lawyers at Boonswang Law Today for Help With Your Life Insurance Claim

Don’t let yourself be overwhelmed with all you have to deal with right now. You’ve lost a loved one — let us deal with insurance disputes for you.

We have helped many Montana life beneficiaries get the death benefits their loved one intended that they receive. Contact Boonswang Law today for your free legal consultation.

Alleged Misrepresentation

Mistakes happen all the time. But if a policyholder records incorrect information on their initial application for life insurance and medical questionnaire, the life insurance company may accuse the policyholder of intent to defraud by misrepresenting themself, and deny their beneficiary’s claim for death benefits.

As a matter of public policy, life insurance companies can deny claims when the policyholder allegedly misrepresents themselves. This is to deter people from lying about their health conditions, lifestyle habits, or age on their applications just to get a lower premium payment.

We have been able to help many, many beneficiary clients in Montana under these circumstances. Often when we investigate, we can show that the alleged misrepresentation was not made with intent to defraud. 

If your life insurance claim was denied for misrepresentation, give us a call.

Cause of Death Excluded from Coverage

Life insurance policies list causes of death that are excluded from coverage, and every policy differs. Death by acts of war or terrorism and suicide are commonly excluded. The bottom line is, if the policyholder’s death is even possibly covered in a written exclusion, the life insurance company will use the exclusion as an excuse to deny your claim.

If the life insurance company tells you an exclusion allegedly applies to the policyholder’s cause of death, give us a call. An MT life insurance lawyer can help you get paid.

Insufficient Proof of Death

Every life insurance company requires official proof of the death of the policyholder in order to process and pay a beneficiary’s claim for death benefits. Llife 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 do not have enough information to prove that the policyholder died. If your claim has been denied for this reason, contact us — we can help you.

Insurance Scams & Bad Faith: What to Watch Out For

In Montana, insurance scams and bad faith practices can lead to devastating financial losses for those who are unknowingly trapped. Understanding what to watch out for can be the key to protecting your financial security. Here’s what you need to know about common scams when you buy insurance coverage.

Indexed Universal Life Insurance

Indexed universal life (IUL) insurance has its value tied to the stock market. Think of it like betting on a horse race but with your life insurance. Some insurance agents might tell you that you’ll make a lot of money this way, but they might not tell you about the risks and hidden fees. 

If you’ve fallen victim to unscrupulous IUL insurance practices, we want to talk to you. Our team at Boonswang Law can review your case for free to see if you’re entitled to fair compensation under insurance law.

Churning Scams

Imagine buying a new car and then being talked into trading it in for a new one every year, even if you don’t need to. This is what churning scams are like, but with life insurance. 

When an agent convinces you to switch policies prematurely, it’s often a way to generate commissions for themselves. This type of fraudulent activity can lead to higher premiums and surrender charges, causing significant financial strain for the policyholder.

Insurance Bad Faith

Insurance bad faith is a legal term describing when an insurance company fails to fulfill its obligations to the policyholder. Often it will appear as unreasonably denying a claim, delaying payment without cause, or interpreting policy language in an unjust manner.

An insurance company acting in bad faith might argue that there was a minor discrepancy in the initial application or use another excuse to avoid paying. If you’ve been a victim of bad faith, a life insurance lawyer might be able to help seek not only the original death benefit but possibly additional damages for the wrongful denial.

What to Expect When You Work With an Experienced Montana Life Insurance Lawyer

First, know that we represent beneficiaries in life insurance claims and life insurance claim denials on a contingency basis. This means we do not get paid unless you do. Beside there being no out-of-pocket cost to you, here are some of the many ways we can and will assist you with your Montana life insurance claim:

  • We communicate with the life insurance company so that you don’t have to
  • We apprise you of all developments in your case
  • We answer your correspondence and questions promptly  
  • We fully investigate the reasons given for your claim being denied or delayed
  • We determine whether the reason your claim was denied applies

Remember, life insurance companies have incentive to cite any potentially applicable reason to delay or deny your claim for death benefits, and because of this many valid life insurance claims are denied or payout is delayed unfairly. We will fight for you to get the payment you deserve.

Common Questions About Montana Life Insurance Benefits

How Do I Determine Whether Someone Who Recently Died Had Life Insurance?

There are ways you can investigate and find out. If you suspect someone had group life insurance through work, contact their employer and ask. Otherwise, try looking through their important papers for life insurance policy documents and reviewing their bank statements for evidence of life insurance premium payments.

How Long Does it Take to Get a Life Insurance Claim Paid in Montana?

Typically, it takes a life insurance company 30-60 days to process and pay a claim for death benefits in Montana. If you retain an experienced MT life insurance lawyer, they can ensure that your claim is filed timely and correctly and that the claim process goes as smoothly as possible.

It Has Been More than 60 Days Since I FIled My Claim and I Haven’t Heard Anything, What Should I Do?

If you have heard nothing about the status of your claim yet, your claim may be delayed unreasonably. In these cases we have been able to force the life insurance company to pay interest to our clients. Give us a call – we may be able to help you get paid too.

My Life Insurance Claim Was Denied, What Should I Do?

You should contest the claim denial. Along with notice of denial, the life insurance company should have sent you a letter explaining why your claim was denied.

An experienced MT life insurance lawyer can assist you in disputing a denied claim. In many cases, we have found that the reason the life insurance denied the claim was insufficient or does not actually apply. Call us — we know how to navigate the process to improve your chances of getting the money your loved one intended you receive.

My Claim Was Denied Due to Policy Lapse, Can I Do Anything About It?

Yes! You can contest the denial and let us investigate. In many cases we discover that the lapse was not the fault of the policyholder, and our clients receive the death benefit despite the lapse. 

The facts of every lapse situation differ, so it’s best to talk to an experienced Montana life insurance lawyer about your particular case.

Can a Life Insurance Beneficiary Be Changed After the Policyholder’s Death?

No. Any beneficiary designation forms executed after the death of the policyholder are fraudulent. Contact our Montana life insurance attorneys immediately if you believe that someone is trying to scam you out of the death benefits you should be getting.

My Life Insurance Claim was Denied Due to “Misrepresentation,” What Should I Do?

Call us for help — we will help you dispute the denial. We thoroughly investigate every misrepresentation case we get, and very often find that while the policyholder may have made a mistake, they had no intent to deceive or defraud the life insurance company. We have gotten many payouts for our Montana clients under these circumstances.

What Happens When a Life Insurance Beneficiary Dies Before the Policyholder?

If 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. 

To avoid this, policyholders should keep their beneficiary designations up-to-date and name contingent or secondary beneficiaries who can receive the death benefit should the primary beneficiary be unavailable.

What Happens if a Minor is Designated as a Life Insurance Beneficiary?

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

The Beneficiary Designation Was Changed at the Last Minute, Can I File a Beneficiary Dispute?

If you suspect that the beneficiary change 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.

When Should a Spouse or Former Spouse Contest a Life Insurance Beneficiary Designation?

Whether a former spouse or the current spouse of the policyholder is the life insurance beneficiary depends upon state law or whether there is a court order contrary to the beneficiary designation. It’s tricky. An experienced life insurance lawyer can help you understand your rights as the policyholder’s spouse or former spouse.