Life Insurance Lawyer Serving Vermont to Protect Your Future

You generally have a limited timeframe within which to dispute a life insurance claim denial, often around 60 days from the receipt of the initial denial notice. The exact time may vary based on your policy terms. Missing out on this window could forfeit your right to appeal, so you must act now. Boonswang Law can swiftly act on your behalf to ensure you meet all critical deadlines.

If a life insurance policy lists a beneficiary who is also deceased, the proceeds usually go to the contingent beneficiary, if one is named. If no contingent beneficiary exists, the funds generally become part of the deceased’s estate and then subject to probate. Vermont laws and the policy’s specifications will further dictate the distribution. Our attorneys can help interpret these nuances.

If no beneficiary is listed on a life insurance policy, the death benefit typically goes into the policyholder’s estate and is distributed according to their will or Vermont’s intestacy laws. Boonswang Law will advise on how to navigate these legal pathways to secure the death benefits.

Finding out if your now-deceased loved one had a life insurance policy involves checking their financial records, reaching out to their employer, or contacting the Vermont Insurance Department for assistance. Boonswang Law can also provide investigative services to help you locate any hidden or forgotten policies in the state.

In Vermont, you can share life insurance benefits with your siblings if you’re the named beneficiary and choose to do so. The policy does not dictate how you use the funds once they are received. Boonswang Law can offer top legal advice on the most tax-efficient way to distribute the money among siblings.

Yes, you can contest death benefits if the beneficiary changed recently, especially if the change was made under questionable circumstances such as undue influence or fraud. Vermont laws allow for the contesting of beneficiary changes, and Boonswang Law’s attorneys can represent you in these challenging insurance disputes.

In some cases, yes. Vermont state law allows for a grace period, and there might be other conditions under which a lapsed policy can still pay out. They would include scenarios where proper lapse notices were not provided, among others. We will painstakingly inspect your policy to determine whether you still have a valid claim.

In Vermont, a beneficiary usually cannot be changed after the policyholder’s death unless specified otherwise in the policy terms or a legal dispute modifies the beneficiary designation. Boonswang Law can clarify the specifics based on Vermont law and the policy in question, as well as represent your interests should you wish to seek this change.

A spouse may be able to contest a life insurance policy under certain conditions in Vermont, such as if they were unfairly removed as a beneficiary or if community property laws come into play. Boonswang Law can assess your situation and offer specialized legal advice to set you up for success.