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Our Pennsylvania life insurance lawyers have decades of experience fighting for the rights of life insurance beneficiaries like you.

Losing a loved one is devastating, and facing a denied life insurance claim only adds to your distress. You don’t have to face this challenging time alone– a life insurance lawyer in Philadelphia will fight for your rights and work tirelessly to recover the benefits you’re owed, helping you move forward with financial security and peace of mind.

At Boonswang Law, we’ve spent decades helping life insurance beneficiaries just like you. With over $200 million recovered for our clients, we are one of the most trusted and experienced life insurance legal teams in the nation. Led by Chad G. Boonswang, Esquire, our attorneys have a proven record of success in challenging denied claims and bad-faith practices. Securing your life insurance benefits is our top priority, so you won’t pay us a cent until we win your case.

Let a life insurance lawyer in Philadelphia fight for the benefits you’re entitled to.

Boonswang Law Has Helped Life Insurance Beneficiaries throughout Philadelphia and Pennsylvania, Including These Cities and the Surrounding Areas:

Free Consultations Available – Let Our Philadelphia Life Insurance Lawyers Help!

At Boonswang Law, we offer free case evaluations to help you understand your options and take the next steps toward recovering the life insurance benefits you deserve. Our life insurance lawyers in Philadelphia are always available to discuss your case, answer your questions, and guide you through the life insurance claims process.  Contact us today and let a life insurance attorney in Philadelphia start fighting for you.

Top Factors Behind Life Insurance Claim Rejections in Philadelphia

Life insurance claims can be denied for several reasons, leaving beneficiaries without the financial support they were promised. Our life insurance lawyers in Philadelphia handle a range of claim denials and fight to recover the full benefits you’re owed, no matter the reason for rejection.

Unpaid Premiums

One of the most common reasons for a denied claim is unpaid premiums, which can lead insurers to cancel the policy. However, insurance companies often misapply grace periods or fail to notify policyholders properly before cancellation. Our Pennsylvania life insurance lawyers will thoroughly investigate whether your loved one’s policy was wrongfully terminated and hold the insurer accountable to secure your benefits.

Policy Misinterpretation

Insurers may deny claims by misinterpreting policy terms or attempting to use vague language to their advantage. These tactics unfairly prevent beneficiaries from receiving the benefits they deserve. Our Philadelphia life insurance lawyers have the experience to scrutinize the fine print, clarify your policy’s terms, and challenge improper life insurance claim denials on your behalf.

An Exclusion Applies to the Cause of Death

Many life insurance policies have exclusions for specific causes of death, such as suicide or high-risk activities. Insurers may apply these exclusions improperly to avoid paying claims. Our life insurance lawyers in Philadelphia will gather evidence and fight back against wrongful denials based on misapplied exclusions.

Alleged Misrepresentation and Retroactive Cancellation

Insurance companies may claim that the policyholder provided false or incomplete information when applying for coverage, leading to retroactive cancellations. Our life insurance attorneys in Philadelphia will challenge these claims, review the application process, and prove your right to the benefits your loved one intended for you.

How to Navigate the Life Insurance Claims Process in Philadelphia

When filing a life insurance claim, begin by notifying the insurance company of your loved one’s passing and request the necessary claim forms. Next, gather essential documents, including the death certificate and a copy of the life insurance policy, and complete the claim form thoroughly. Submit everything to the insurer for review. 

During the life insurance claims process, delays and denials may arise for a variety of reasons. A life insurance lawyer in Philadelphia can ensure your paperwork is accurate, communicate with the insurer on your behalf, and fight against any unfair rejections to secure the benefits you deserve.

What to Do About Beneficiary Disputes in Philadelphia Life Insurance Cases

If your life insurance claim is denied, start by reviewing the life insurance policy and any documents related to the claim. Check for details about the designated beneficiary and reasons for the dispute. 

Next, gather evidence that supports your right to the benefits, such as communication with the policyholder or relevant legal documents. Then, contact a life insurance lawyer in Philadelphia to handle the dispute. An experienced attorney from Boonswang Law will evaluate your case, negotiate with the insurance company, and, if necessary, represent you in court to secure the benefits you deserve.

What You Can Expect When You Work With the Philadelphia Life Insurance Lawyers at Boonswang Law

When you work with Boonswang Law, our Philadelphia life insurance lawyers will handle every aspect of your case, from filing claims to appealing denials. We will investigate the details of your policy, challenge unfair practices by the insurance company, and negotiate aggressively to secure the benefits you’re owed. 

With decades of experience and over $200 million recovered for our clients, we know how to stand up to insurers and protect your rights. With no fees until we win your case, you can trust that our attorneys will prioritize your best interests.

How to Identify Red Flags in Insurance Claims and Policies

Life insurance companies often engage in unethical practices to avoid paying claims, leaving beneficiaries without the financial support they deserve. Our Philadelphia life insurance lawyers will help you recognize these red flags and fight back to ensure you receive the full benefits you’re owed.

Indexed Universal Life Insurance

Indexed universal life (IUL) policies can be misleading, often marketed as having guaranteed growth tied to a stock market index. In reality, these policies can lead to reduced benefits due to high fees, shifting terms, and market fluctuations. If you suspect your IUL policy has been misrepresented, our life insurance attorneys in Philadelphia will thoroughly review the terms and hold the insurer accountable for any deceptive practices.

Churning Scams

Churning occurs when insurance agents encourage policyholders to replace existing policies, leading to increased premiums and reduced coverage. This unethical tactic benefits the agent, not the beneficiary. Boonswang Law investigates these cases to expose fraudulent actions and fight to recover the benefits you deserve under the original policy.

Bad Faith Insurance Cases

Life insurers often use bad faith insurance practices like delaying claims, denying valid benefits, or misinterpreting policies to avoid payout out benefits. These tactics are not just frustrating—they’re illegal. Our Philadelphia life insurance lawyers will stand up to insurers engaging in bad faith and build a strong case to secure the benefits you’re entitled to.

Frequently Asked Questions about Life Insurance Claims in Philadelphia

What is the Statute of Limitations in Pennsylvania for Contesting When My Life Insurance Claim Was Denied?

In Pennsylvania, you generally have four years from the date of the denial to contest a life insurance claim. Waiting too long can jeopardize your chances of recovering benefits. Our Philadelphia life insurance lawyers will act quickly to review your case, challenge the denial, and fight to secure the benefits you’re entitled to.

Can I Still Receive Death Benefits if the Policy Lapsed?

Even if a policy has lapsed, you may still have options depending on the circumstances, such as unpaid premiums during a grace period or wrongful policy termination. Our life insurance attorneys in Philadelphia will investigate the lapse and hold the insurance company accountable for any improper actions.

The Beneficiary Designation Changed Just Before the Policyholder’s Death From Me to Someone Else, What Can I Do?

Last-minute beneficiary changes can raise serious concerns about fraud or undue influence. If this has happened, our life insurance lawyers in Philadelphia will gather evidence, challenge the change in court if necessary, and fight to ensure the rightful beneficiary gets their benefits.

I Am the Only Named Beneficiary. Am I Allowed to Share the Death Benefits with My Siblings?

Yes, as the named beneficiary, you have the right to distribute the benefits as you see fit. If disputes arise, our life insurance attorneys in Philadelphia will guide you through the process and ensure that all parties understand their rights.

I Think a Loved One May Have Had Life Insurance, How Do I Find Out?

Start by checking personal documents, bank statements, or correspondence for any indication of a policy. You can also use resources like the National Association of Insurance Commissioners’ (NAIC) policy locator tool. If you’re unsure where to start, our life insurance lawyers in Philadelphia can help you uncover any hidden policies and secure the benefits you’re entitled to.

When Should a Spouse Contest a Life Insurance Beneficiary Designation?

A spouse may contest a beneficiary designation if there is evidence of fraud, undue influence, or a violation of marital rights. Some states have laws protecting a spouse’s share of life insurance proceeds. 

Who is Authorized to Change a Life Insurance Beneficiary Designation in PA?

Only the policyholder has the authority to change a beneficiary designation, and such changes must comply with the terms of the policy. If you suspect a change was made fraudulently, our Philadelphia life insurance lawyers will take action to protect your rights as the rightful beneficiary.

Can the Life Insurance Beneficiary Designation Change After the Policyholder’s Death?

No, beneficiary designations cannot legally change after the policyholder’s death. If an insurer attempts to redirect benefits or if a fraudulent change is suspected, our lawyers will fight to ensure the benefits go to the rightful beneficiary.

What if a Minor is the Designated Life Insurance Beneficiary?

When a minor is named as a beneficiary, the proceeds may be held in a trust or managed by a guardian until the minor comes of age. If disputes or delays occur, our Philadelphia life insurance attorneys can ensure the benefits are handled appropriately for the minor’s best interests.

What Happens If the Beneficiary Predeceases the Policyholder?

If the primary beneficiary passes away before the policyholder, the benefits typically go to the contingent beneficiary. If no contingent beneficiary is named, the benefits may become part of the policyholder’s estate. Our life insurance lawyers in Philadelphia can help you determine the next steps and fight for the benefits owed under these circumstances.

Trust Boonswang Law for Guidance with Your Philadelphia Life Insurance Claim

If you’re dealing with a denied or delayed life insurance claim, the attorneys at Boonswang Law are here to fight for the benefits you deserve. Our life insurance lawyers will hold insurance companies accountable for bad faith and unjust credentials– we won’t stop fighting until you get the payout you’re entitled to.

Contact us today to speak with an experienced life insurance lawyer in Philadelphia about getting the life insurance benefits you deserve after a loved one’s passing.