Life Insurance Lawyers Serving Pennsylvania to Protect You

If your life insurance claim was denied, the life insurance company will send you an explanation letter. You can then contest the claim denial.

An experienced PA life insurance lawyer can assist you in disputing a denied claim. Experienced life insurance attorneys will know how to navigate the situation to improve your chances of getting the money you deserve.

There may be instances where the beneficiary of a policy is under 18 when the policyholder dies. A Pennsylvania court will usually appoint a custodian to oversee the minor’s death benefits in these cases. 

Policyholders can also appoint a custodian. Unfortunately, however, not much can be done to stop the custodian from abusing their position and dipping into the minor’s inheritance for their personal benefit. 

If a minor must be named as the life insurance beneficiary, it is prudent to set up a life insurance trust and designate the minor the beneficiary of the trust. We suggest working with an estate planning attorney who can help you understand the legalities of setting up a trust.

Unfortunately, there is no nationwide database that lists every single life insurance policyholder. If you think your loved one had a life insurance policy, you can investigate. Contact their employer to ask about benefits, look through paperwork for life insurance documents, and review bank statements to check for evidence of paid life insurance premiums.

Yes! If the insured listed only one of their children as a beneficiary on their life insurance policy, there are no rules against them sharing the death benefits once they are received.

Yes, if there is suspicion that the change was made fraudulently or under duress.

Every policyholder is allowed to change beneficiaries while they are alive as long as they are of sound mind and not under duress. 

Irrevocable beneficiaries, however, are the exception. This status is typically given to spouses and children, and divorce or estrangement cannot change this status. An irrevocable beneficiary must consent to all policy changes that affect their benefits. 

If a life insurance company says you were removed as an irrevocable beneficiary from a life insurance policy, you should contest that change.

Perhaps. If the lapse was not the fault of the insured, you may still receive death benefits. Examples of this include when the insured does not receive the required notices, or when the insured is not given the conversion forms by their employer. Every situation is different, so it’s best to talk to a Pennsylvania life insurance lawyer so they can directly address the specific policy in question.

No. The policyholder is the only person who can make changes to the policy. Any paperwork showing that the beneficiary has been changed after the insured’s death is fraudulent. 

Contact Boonswang Law if you believe that someone is attempting to scam you out of your death benefits.

Call us. Alleged misrepresentation on the part of the insured is a common reason used to deny life insurance claims. 

We have gotten beneficiaries paid in cases where it was an honest mistake on the part of the insured, there is no evidence of the intent to deceive, and the cause of death had nothing to do with the alleged misrepresentation.

Yes. There can be some confusion over who is entitled to what when an insured gets divorced or remarried. A life insurance lawyer can help you understand your rights as the deceased’s spouse or former spouse.