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Life Insurance Lawyer in New York

When Life Insurance Claims Get Denied, Our NYC Law Firm Fights Back

When Life Insurance Claims Get Denied, Our NYC Law Firm Fights Back

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Don’t Let a Denied Life Insurance Claim Go Unchallenged

Losing someone you love is devastating. When a life insurance company denies or delays your claim, it adds insult to injury—leaving you emotionally drained and financially uncertain. If you’re unsure why your claim was rejected or how to challenge it, you’re not alone.

At Boonswang Law, our life insurance lawyers in New York are here to help you navigate the claims process and fight for the benefits you’re owed. Whether you’re facing a denial, a beneficiary dispute, or a lapse in coverage, we know how to push back against the insurer and pursue what’s rightfully yours.

  • Over $200 million recovered in life insurance benefits
  • Six- and seven-figure wins against major insurance companies
  • Proven results in New York, California, Florida, New Jersey, and Texas

We know how insurance companies operate—and we know how to beat them. Let a life insurance lawyer in New York stand up for you and secure the payout your loved one intended.

Contact Boonswang Law today

Get Your Free Case Evaluation

Our experienced New York life insurance lawyers offer free assessments for life insurance denial cases and provide guidance on how to proceed. This no-cost consultation is your first step toward getting the justice and financial support to which you’re entitled.

No Fee Unless We Win

At Boonswang Law, we believe everyone should have access to quality legal representation, so we operate on a contingency fee basis—you won’t pay unless we win your case. With no up-front cost, you can pursue your life insurance claim with confidence knowing that we’re committed to securing the best possible outcome.

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Helping Clients Statewide Secure Their Life Insurance Payouts

  • Albany
  • Brentwood
  • Buffalo
  • Cheektowaga
  • Mount Vernon
  • Schenectady
  • Troy
  • Utica
  • West Seneca
  • White Plains

Contact Boonswang Law Today to Discuss Your Claim

If your life insurance claim has been denied, Boonswang Law can help. Ourlife insurance attorneys in New York City will assess your case, negotiate with insurance companies, and get you the compensation you deserve.

At Booswang Law, we advocate for policyholders throughout New York and the surrounding states. Whether you’re seeking alife insurance lawyer in New Jersey,Pennsylvania,Connecticut,Delaware,Maryland, orMassachusetts, our experienced team is here to help you secure the benefits you deserve.

Contact us today at Boonswang Law and take the first step towards getting your life insurance settlement.

Common Denial Reasons For Life Insurance Claims in New York

Life insurance claims in New York can be denied for a variety of reasons, leaving beneficiaries without their entitled financial support. Our life insurance lawyers in New York will challenge these denials and fight for the benefits you are rightfully owed.

Lack of Documentation

Life insurance providers often deny claims due to missing or incomplete documentation. Missing death certificates or unclear policy details can result in a denied claim. Our life insurance lawyers in New York will gather and present the necessary documentation to build a strong case, ensuring that your claim is not unfairly dismissed.

Unpaid Life Insurance Premiums

Life insurance claims are frequently denied when premiums have lapsed, even if the policyholder intended to keep the policy active. Our New York life insurance attorneys will investigate whether the insurance company failed to provide proper notice and examine other factors to recover denied benefits.

Policy Exclusions

Insurance companies may invoke policy exclusions—specific situations where the policy does not pay out—as a reason to deny claims. These exclusions often include suicide, dangerous activities, or misrepresentation on the life insurance application. Our legal team in New York will challenge these denials by scrutinizing the policy language and the circumstances of the claim, fighting to overturn wrongful exclusions.

What to Do if Your Life Insurance Claim Gets Denied

If your life insurance claim is denied, review the denial letter, gather all documents, and contact Boonswang Law. Our attorneys investigate insurer errors and fight to reverse wrongful denials so you receive the benefits you’re owed.

What to Expect When Working With A Life Insurance Lawyer in New York

Working with a life insurance lawyer means having a true advocate. At Boonswang Law, we review your policy, expose insurer mistakes, and build a strong case. Our team negotiates directly with insurers and takes legal action when needed to secure your full settlement.

The Life Insurance Claim Filing Process

When filing a life insurance claim in New York, begin by: 

  • Notify the insurance company of the policyholder’s death as soon as possible.
  • Collect essential documents, including the death certificate and the life insurance policy.
  • Submit a formal claim to the insurer for processing.
  • Expect a review period—insurers may take several weeks to respond.
  • Contact Boonswang Law if there are delays or disputes.

Let our lawyers handle communications with the insurer to help you get paid faster and avoid unnecessary setbacks.

Fighting for Life Insurance Beneficiary Rights for Over 20 Years in New York

Over the last two decades, Boonswang Law has been fighting tirelessly to recover life insurance proceeds for our clients. Our attorneys work tirelessly to challenge denied claims and resolve complex beneficiary disputes, resolving issues efficiently to get our clients paid.

We provide aggressive, client-centered legal services on a contingency fee basis, so you won’t pay anything unless we win your case. Our success is tied to yours, so you can trust that we’ll fight to get your life insurance claim paid as soon as possible.

Contact Boonswang Law to Help You Get The Money You Are Entitled To

If you’re a New York resident and your life insurance claim has been denied or delayed, Boonswang Law can help you get the payout you’re entitled to. Contact us today to talk about your case.

Insurance Scams & Bad Faith: What to Watch Out For

Dishonest practices like insurance scams and bad faith actions can lead to unfair claim denials, leaving beneficiaries without the financial support they need. Boonswang lawyers will help you identify and combat these unethical practices, ensuring you get the benefits to which you’re entitled.

Indexed Universal Life Insurance

Indexed Universal Life Insurance (IUL) is often marketed with misleading promises of high returns. Unfortunately, many beneficiaries find themselves denied benefits due to the policy’s complex terms and conditions. Our New York life insurance attorneys will examine IUL policies, challenge any unfair denials, and fight for the life insurance compensation you deserve.

Churning Scams

With churning scams, insurance agents convince policyholders to switch policies frequently, often resulting in higher commissions for the agent and reduced benefits for the policyholder. Victims of churning scams in New York may face denied claims or lower payouts. At Boonswang Law, our experienced NY life insurance lawyers will investigate your case, expose any fraudulent practices, and work tirelessly to recover the full benefits you are owed.

Insurance Bad Faith

Insurance bad faith occurs when an insurer unjustly delays or denies a legitimate claim. This is unfortunately common in New York, but Boonswang lawyers are well-versed in identifying bad faith practices in life insurance law. We will fight to hold life insurance companies accountable and secure the benefits you rightfully deserve.

Your Most Common Questions About Life Insurance, Clearly Answered

What Can Prevent A Person From Qualifying for Life Insurance in NY?

In New York, individuals may be denied life insurance coverage due to pre-existing medical conditions, a history of high-risk activities, or a poor driving record. While these are legitimate reasons insurers can use to reject an application, laws prevent discrimination based on race, gender, or religion.

How Long Does it Take to Get a Life Insurance Payment in New York?

In New York, life insurance payments typically take between 30 to 60 days to process after a claim is filed. Working with a skilled life insurance lawyer can further ensure claims are filed properly and avoid unnecessary delays.

What Happens When A Life Insurance Claim Is Denied?

If your life insurance claim is denied, you will receive a written explanation from the life insurance company. This denial can be contested, especially if you believe the claim was wrongfully rejected. The life insurance lawyers at Boonswang Law can help you dispute the claim denial and work toward securing the death benefits you deserve.

What Happens When A Minor is Listed as The Beneficiary of a New York Life Insurance Policy?

When a minor is named as a life insurance beneficiary in New York, a court typically appoints a custodian to manage the funds until the minor reaches adulthood. Alternatively, a trust can be established to protect the minor’s inheritance. It’s advisable to consult with an attorney to ensure the minor’s benefits are protected.

How Will I Know If My Loved One Had A Life Insurance Policy in New York?

To find out if your loved one had a life insurance policy in New York, check their personal documents, and bank statements, and contact their employer. There is no centralized database for life insurance policies, so searching may be necessary. If you’re unable to find your loved one’s life insurance information, a NY life insurance lawyer can assist you in locating any potential policies.

Can I Share Life Insurance Benefits with My Siblings in NY?

Yes, you can share life insurance benefits with your siblings in New York if you choose. However, only the named beneficiary has the legal right to the payout, so any sharing is at their discretion. 

Can Death Benefits Be Contested If The Beneficiary Was Changed Recently in NY?

Death benefits can be contested in New York if the beneficiary was changed under suspicious circumstances like fraud or coercion. Proving that the change was made improperly can be challenging, but an experienced life insurance attorney can ensure that any fraudulent actions are brought to light.

Can I Still Receive Death Benefits if the Insurance Policy Has Lapsed?

If a life insurance policy has lapsed, receiving death benefits may still be possible depending on the circumstances. Some policies have grace periods or options for reinstatement that could affect your eligibility. A New York life insurance lawyer can review the policy details to determine whether benefits can still be claimed.

Can The Beneficiary on a Life Insurance Policy Be Changed After The Policyholder’s Death?

No, the beneficiary on a New York life insurance policy cannot be changed after the policyholder’s death. Any such change would be considered fraudulent. If you suspect foul play, it’s important to consult with a lawyer immediately to protect your rights.

Can A Spouse Contest A Life Insurance Policy?

Yes, a spouse in New York can contest a life insurance policy, particularly if there are questions about the policyholder’s intentions or if the spouse was recently removed as a beneficiary. Legal grounds for contesting may include evidence of fraud, duress, or mental incapacity at the time of the change.

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