Life Insurance Lawyer in San Antonio

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Our San Antonio Life Insurance Lawyers Have Decades of Experience Advocating for Beneficiaries Like You

Your loved one secured a life insurance policy to provide for you — but now the insurance company is refusing to pay what’s rightfully yours. At Boonswang Law, we don’t let insurers get away with wrongful denials. A life insurance lawyer in San Antonio, TX, will challenge unfair claim rejections, delays, and disputes, fighting for the benefits your loved one intended.

Our San Antonio life insurance attorneys have spent decades advocating for life insurance beneficiaries, recovering over $200 million for clients just like you. Led by Chad G. Boonswang, Esquire, we hold insurers accountable when they deny valid claims. From filing appeals to negotiating settlements, we handle every step — so you can focus on healing while we fight for your financial security.

Don’t let the insurance company dictate your future. Let a life insurance lawyer in San Antonio fight for the benefits your loved one intended for you.

Boonswang Law Assists Life Insurance Beneficiaries Across San Antonio and Texas, Including These Areas:

Resolve Your Claim with a Free Consultation from San Antonio Life Insurance Lawyers!

Our Texas life insurance lawyers offer free case reviews to answer your questions, explain your legal options, and help you take the next steps in securing your life insurance benefits.

Schedule your consultation to discuss your claim and let us fight for the payout you’re entitled to.

Resolve Your Claim with a Free Consultation from Houston Life Insurance Lawyers!

Common Reasons Life Insurance Claims Are Denied in San Antonio

Insurance companies often deny life insurance claims for reasons that seem unfair or unclear, leaving beneficiaries without the financial protection their loved one intended. Our life insurance attorneys in San Antonio take on big insurers, challenge wrongful denials, and fight aggressively to recover your rightful payout.

Unpaid Premiums

Insurance companies frequently claim that a policy lapsed due to nonpayment, denying benefits as a result. However, policies often include grace periods, payment plans, or reinstatement options that insurers overlook. Our San Antonio life insurance lawyers will review policy terms, investigate payment records, and challenge unjust denials.

Misinterpretation of Policy Terms

Insurance policies are full of complicated language, and insurers may twist these terms to deny a claim. If your claim was rejected based on an alleged policy violation, it could be a misleading or bad-faith interpretation. Our San Antonio life insurance attorneys will analyze the policy, challenge unfair readings, and fight for your payout.

Death Cause Exclusions

Certain life insurance policies exclude coverage for suicide, drug use, or high-risk activities—but insurers frequently misapply these exclusions. If your claim was denied based on cause-of-death exclusions, our life insurance lawyers in San Antonio will thoroughly investigate and dispute wrongful denials.

Misrepresentation or Policy Cancellation

If an insurer claims that the policyholder provided false information on their application, they may attempt to retroactively cancel coverage. These accusations are often exaggerated or unjustified. Our San Antonio life insurance attorneys will fight against wrongful cancellations to secure the benefits you deserve.

Making Life Insurance Claims Easier in San Antonio

To file a life insurance claim in San Antonio, notify the insurance company of your loved one’s passing and request the necessary claim forms. You’ll need to gather the death certificate and the policy itself, and complete all forms accurately before submitting them. Once the claim is under review, insurers may delay the process or look for reasons to deny your payout.

A life insurance lawyer in Houston and San Antonio will handle this entire process for you — we ensure all paperwork is properly completed, push back against delays, and challenge wrongful denials to secure the benefits your loved one intended for you.

Steps for Resolving Beneficiary Disputes in San Antonio Life Insurance Claims

Disputes may arise when multiple individuals claim life insurance benefits or when last-minute changes are made to a beneficiary designation. If you’re facing a life insurance dispute in San Antonio, follow these steps:

Gather Important Documents: Collect the policy, beneficiary forms, and all documented communications with the insurer.

Review the Policy Terms: Review the policy’s language and beneficiary rules to better understand your rights and strengthen your case.

Identify Dispute Factors: Disputes often involve allegations of fraud, undue influence, or changes made when the policyholder was incapacitated. Document any suspicious circumstances surrounding the policy change.

Avoid Signing Anything Without Legal Advice: Insurance companies may pressure you into quick settlements or agreements that could limit your ability to fight for the full payout.

Contact a Life Insurance Lawyer in San Antonio: Our attorneys will investigate, challenge improper changes, and fight for your rightful benefits.

What to Expect When You Partner with San Antonio Life Insurance Lawyers at Boonswang Law

When you work with Boonswang Law, we handle the life insurance claims process so you can heal from the loss of your loved one. Our San Antonio life insurance lawyers review your claim, challenge wrongful denials, and push back against insurer delays to secure your rightful benefits.

With a proven record of recovering over $200 million for life insurance beneficiaries, we won’t stop fighting until you get the payout your loved one intended for you.

Avoiding Common Insurance Fraud and Bad Faith Practices

Insurers sometimes delay, deny, or underpay claims using deceptive tactics. Our San Antonio life insurance lawyers hold insurers accountable and fight for full payouts.

Indexed Universal Life Insurance

Some insurers misrepresent indexed universal life (IUL) policies as low-risk investments with guaranteed returns. In reality, hidden fees and market fluctuations can reduce benefits for policyholders. Our attorneys will examine your IUL policy and challenge misleading terms.

Churning Scams

Churning occurs when an insurance agent persuades a policyholder to replace their existing policy with a new one—solely to earn higher commissions. This often results in increased premiums, lost benefits, and lower payouts for beneficiaries. Our San Antonio life insurance lawyers will investigate whether churning impacted your case and take action to recover the benefits you were promised.

Insurance Bad Faith

When insurers delay payments, deny legitimate claims, or misinterpret policy terms to avoid paying out, they are acting in bad faith. These tactics are meant to protect the company’s bottom line, leaving grieving families without the financial support they need. Our life insurance lawyers in San Antonio will push back against bad faith practices, build a strong case on your behalf, and fight tirelessly to obtain the benefits your loved one intended for you.

Frequently Asked Questions About Life Insurance Claims in San Antonio

What is the Statute of Limitations for Contesting Life Insurance Denials in Texas?

In Texas, you have four years to challenge a denied life insurance claim. It’s important to act quickly, as waiting can make it harder to collect evidence. Our San Antonio life insurance attorneys will ensure your case is filed on time.

Can I Still Get Death Benefits If the Policy Lapsed?

A policy lapse doesn’t always mean you’re ineligible for life insurance benefits. If premiums were missed due to a billing error, the insurer failed to provide proper notice, or the policyholder passed away during a grace period, you may still have a case. Our life insurance attorneys in San Antonio will investigate the lapse and fight to recover the payout you deserve.

The Beneficiary Designation Changed Right Before Death, What Can I Do?

Last-minute changes to a beneficiary designation can raise serious concerns about fraud or undue influence. Our San Antonio life insurance lawyers will investigate the circumstances, gather evidence, and fight to ensure the rightful beneficiary receives the benefits.

I Am the Only Beneficiary. Can I Share the Death Benefits with My Siblings?

As the named beneficiary, you have full control over the life insurance payout distribution. If you choose to share it with family members, you can do so voluntarily, either informally or through a legal agreement.

How Can I Find Out If a Loved One Had Life Insurance?

If you’re unsure whether your loved one had a life insurance policy, check their financial records, past employer benefits, and any policy-related documents. You can also use the National Association of Insurance Commissioners’ (NAIC) policy locator tool. Our life insurance lawyers in San Antonio can help you locate policies and pursue any benefits you may be entitled to.

When Should a Spouse Challenge a Life Insurance Beneficiary Designation?

A spouse may have grounds to contest a beneficiary designation if there is reason to believe it was changed under duress, through fraud, or in violation of community property laws. Our San Antonio life insurance attorneys will review the situation, build a strong case, and advocate for your rightful claim.

Who Can Change a Life Insurance Beneficiary in TX?

Only the policyholder has the authority to make changes to their life insurance beneficiary designation. If an unauthorized party attempts to alter the designation, our San Antonio life insurance lawyers will challenge the change to restore the rightful beneficiary.

Can a Life Insurance Beneficiary Designation Be Changed After Death?

Once the policyholder passes away, the beneficiary designation is generally final and cannot be changed. Any attempts to modify it after death are considered fraudulent and can be legally contested. Our life insurance attorneys in San Antonio will fight to uphold the original designation.

What Happens if a Minor Is the Designated Beneficiary?

When a minor is named as a life insurance beneficiary, the payout is typically held in a trust or managed by a court-appointed guardian until the child reaches legal age. Our San Antonio life insurance lawyers will guide you through this process, ensuring the funds are protected and properly distributed.

What If the Beneficiary Dies Before the Policyholder?

If the designated beneficiary passes away before the policyholder, the benefits usually go to a contingent beneficiary. If no backup beneficiary is listed, the payout may become part of the policyholder’s estate and go through probate. Our life insurance lawyers in San Antonio will determine how the proceeds should be handled and ensure benefits go to the rightful recipients.

Get Legal Help for San Antonio Life Insurance Claims from Boonswang Law

If your life insurance claim has been wrongfully denied, delayed, or disputed, Boonswang Law can help. Our life insurance lawyers in San Antonio will stand up to the insurance company, challenge unfair claim decisions, and fight for the benefits your loved one intended for you.

Start building your case with a life insurance lawyer in San Antonio, Texas.