Life Insurance Lawyers in Michigan

Challenge Denials & Get Your Benefits Paid

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No Fee Unless We Win

Recover Your Life Insurance Benefits with $0 Upfront

When you’ve lost a loved one, a denied life insurance claim can make this painful time feel even more frustrating. Our life insurance lawyers in Michigan will fight for every penny you’re owed, so you can focus on your family.

Over the last 20+ years, Boonswang Law has represented hundreds of beneficiaries in disputes involving denied claims, ERISA disputes, accidental death (AD&D) denials, TSGLI disputes, and other disagreements with life insurance companies.

Our life insurance lawyers have recovered $200+ million for clients in Detroit, Grand Rapids, throughout Michigan, and nationwide in states like Florida, New York, California, New Jersey, and Texas.

Your case costs nothing upfront, and you won’t pay any legal fees until we recover benefits for you. Let us handle the fight while you take the time you need.

“This was truly a difficult case, these guys are a true championship team.”

Hear From Beneficiaries We’ve Helped

“5 stars is just not enough for Mr. Boonswang (Chad) and his team. This is the firm that you want to have on your side when you are facing intricate legal problems. They are incredibly professional, empathetic, and knowledgeable. Excellent communication. Easy to work with. Chad went above and beyond on our case- we can't recommend Boonswang Law enough!”

“They have been awesome with my case. Joseph is an excellent attorney. He is competent with up to date knowledge, kindness and compassion. I would highly recommend and trust them.”

Contestability Period for Life Insurance Claims in Michigan

Life insurance laws vary by state, so the requirements for claims in Michigan may be different than those in Indiana or Wisconsin.

In Michigan, life insurance companies generally have two years after a policy takes effect to review the application and challenge coverage based on certain statements made by the policyholder.

Once that two-year period passes, the insurer usually has fewer grounds to contest the policy, although exceptions like nonpayment of premiums and certain military or naval service provisions may still apply.

If your benefits were denied, our attorneys can review the insurer’s reasoning and determine whether the contestability period actually supports their decision.

How To Know If Your Claim Denial Is Legitimate

A denial letter doesn’t automatically mean the life insurance company made the right decision, especially if they overlooked records, relied on a questionable interpretation, or failed to follow the policy terms.

We’ll help you determine whether your claim denial is valid or whether it can be contested.

Reasons a Denial May Be Valid

The policy had legally lapsed before the insured passed away
The cause of death falls under a clear policy exclusion
Material information on the application was proven to be inaccurate
The person filing the claim is not the valid beneficiary
The claim falls outside the policy’s coverage requirements

Signs Your Denial May Be Worth Challenging

The insurer gives you a vague or changing explanation
Important medical, payment, or beneficiary records were ignored
Policy language is being interpreted in a way that unfairly limits your benefits
Your claim has been delayed without a clear reason
The insurer rescinds coverage only after you submit a claim

Our life insurance attorneys can review the denial and fight for the benefits you’re owed.

What’s Keeping You From Recovering Your Life Insurance Benefits?

From Ann Arbor to Lansing and other communities across Michigan, we help beneficiaries like you challenge denied or delayed claims and recover the benefits they’re owed.

Denied Life Insurance Claims

ERISA Group Life Insurance Claims

Accidental Death (AD&D) Denials

Beneficiary Disputes

Delayed Death Benefit Payments

Lapsed Policy Disputes

Alleged Misrepresentation on Applications

Employer Notice Failures

TSGLI Claims

Don’t see your situation here? Reach out to our attorneys. We’ll review your case and help you determine your next steps.

Expert Legal Insights From Boonswang Law: Video Guides for your Claim

Facing a denied life insurance claim and not sure what to do next? Check out our full YouTube channel to learn more about your rights as a beneficiary and how we fight to get you paid.

Play

See Our Past Wins

$1.25M

ING Insurance Company

$1M

New York Life Insurance Company

$780K

AIG American General Life Insurance Co.

How To Protect Your Life Insurance Claim

If your claim has been denied, follow these steps to protect your records, your rights, and your ability to challenge the insurer:

Ask Why Your Claim Was Denied

Get the insurer’s reason in writing and request the policy language, records, and other information they used to make their decision.

Save Every Document Related to the Claim

Keep copies of the policy, application, premium payments, beneficiary forms, medical records, claim paperwork, letters, and emails.

Be Careful Before Signing Anything

Don’t accept a reduced payment or sign a release until you know whether you may still be entitled to more.

Have Your Claim Reviewed by an Attorney

Our life insurance lawyers can look at the denial, check for missing or overlooked evidence, and determine the best way to fight back.

Deadlines can apply to life insurance disputes, so the sooner you have your claim reviewed, the more time you may have to protect your benefits.

No Upfront Legal Fees To Start Your Case

Our life insurance lawyers will review your denied or delayed claim with $0 upfront.

We handle these cases on a contingency fee basis, which means you don’t owe legal fees until we recover benefits for you.

Our Strategy For Getting You Paid

When the insurance company refuses to pay your benefits, we build a strong case around the facts they may have missed, ignored, or misinterpreted.

From the first review through settlement or litigation, here’s how our attorneys push your claim forward:

Reviewing your policy and the benefits you should receive
Examining the insurer’s reason for denying or delaying payment
Checking applications, medical records, premium history, and beneficiary documents
Finding gaps or inconsistencies in the insurer’s decision
Collecting additional records and evidence to support your claim
Communicating directly with the insurance company on your behalf
Preparing an appeal or formal challenge when necessary
Negotiating for payment or taking the case to court when needed

Serving Beneficiaries Throughout Michigan

Ann Arbor
Canton
Clinton
Dearborn
Detroit
Farmington Hills
Flint
Grand Rapids
Lansing
Livonia
Macomb
Sterling Heights
Troy
Warren
Westland

Claim Denied? You Have Options. Get In Touch Today.

A denied or delayed life insurance claim doesn’t always mean you’ve reached the end of the road, and you may still have a path to recover the benefits you were promised.

Boonswang Law has recovered more than $200 million for beneficiaries in Michigan and across the country, and our lawyers will review your case at no upfront cost.

Get in touch today for a free case evaluation and find out what your next step could be.

Questions We Hear From Beneficiaries Like You

Yes, depending on the circumstances. A spouse or former spouse may have grounds to challenge the beneficiary designation if there are questions about divorce terms, marital rights, or whether the designation was legally valid.

Sometimes. The policy’s grace period, payment history, required notices, and other coverage terms may show that the policy was still active when your loved one passed away.

Yes. A recent change may be challenged if there are signs of fraud, pressure from another person, undue influence, or concerns about whether the policyholder had the capacity to make the change.

Usually, no. The beneficiary listed when the policyholder dies generally remains in place, although the designation itself may still be challenged if there are questions about how or when it was made.