Life Insurance Lawyers in New Jersey

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Life Insurance Claim Denied? We Fight to Get You Paid.

Losing someone you love is hard enough. You shouldn’t have to deal with a delayed or denied life insurance claim on top of it. A New Jersey life insurance attorney can help move your claim forward and take the pressure off of you.

Insurance companies often rely on policy language or application details to justify nonpayment, but those reasons don’t always hold up. For 20+ years, Boonswang Law’s life insurance lawyers have challenged denied claims, ERISA decisions, AD&D denials, and TSGLI disputes.

We’ve recovered tens of millions for clients in New Jersey, from Trenton to Newark, and nationwide including New York, Florida, Texas, and California.

If your claim has been denied or delayed, we’re ready to fight for the full amount you were promised.

“I couldn’t have asked for a better advocate.”

Hear From The Clients We’ve Fought For

“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.”

Resolving Life Insurance Disputes in New Jersey

New Jersey life insurance claims are governed largely by Title 17B of the New Jersey Statutes, which sets rules for premium payments, claim handling, contestability, and payment of death benefits.

30-Day Grace Period: Under N.J.S.A. § 17B:25-3, individual life insurance policies generally provide a 30-day grace period for missed premiums. If the insured dies during that period, coverage remains in force, although the overdue premium can be deducted from the benefit.

Claim Payment Deadline: Under N.J.S.A. § 17B:25-11, life insurance benefits generally must be paid within 60 days after the insurer receives due proof of death. Overdue proceeds can accrue interest under New Jersey law.

Claim Investigation Deadlines: If a claim requires further investigation or is denied, New Jersey imposes additional written-notice and decision deadlines on the insurer.

Contestability Period: Under N.J.S.A. § 17B:25-4, a policy generally becomes incontestable after it has been in force during the insured’s lifetime for two years, except for nonpayment of premiums.

Application Misstatements: New Jersey insurers generally must show that an incorrect application answer was material enough to affect the decision to issue the policy or assess the risk.

Insurance laws and claim requirements vary by state. A life insurance claim in New Jersey may be handled differently from one in Maryland, Connecticut or Massachusetts.

Our New Jersey life insurance attorneys can review whether the insurer has sufficient evidence to challenge your benefits.

Not All Denials Are Legitimate. Here’s What to Know

Life insurance companies in Red Bank,Toms River, and across New Jersey deny claims for many reasons. Some involve legitimate coverage issues, while others can result from overly aggressive policy interpretations or problems with how the claim was handled.

Common Reasons Claims Are Denied

Inaccurate or incomplete application information
Lapsed coverage due to missed premiums
Suicide or self-inflicted injury exclusions
Beneficiary disputes
Contestability period reviews

When a Denial May Involve Bad Faith

Unexplained or unreasonable delays
Misstating or misapplying policy terms
Ignoring medical evidence
Rescinding coverage after a claim is filed

Whether your claim involves a standard dispute or potential bad faith, our life insurance attorneys can evaluate your case and pursue the full benefit owed.

You can file an insurance complaint or request consumer assistance through the New Jersey Department of Banking and Insurance.

No Matter the Dispute, We’re Ready to Take It On

Our life insurance lawyers challenge insurance companies and pursue the full benefits you’re entitled to.

We handle a wide range of life insurance disputes for clients in Cherry Hill, Monmouth, Jersey City and across New Jersey, including:

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

If your situation isn’t listed, you may still have a case. Many denied claims involve multiple issues. Let’s talk through your options.

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

Recent Payouts We’ve Secured for Clients

$1.25M

ING Insurance Company

$1M

New York Life Insurance Company

$780K

AIG American General Life Insurance Co.

What To Do After A Claim Denial

If your claim was denied, these steps can help protect your rights and strengthen your case.

Request the Insurer’s Full Explanation

Get the exact reason for the denial and ask for every document used to reach that decision.

Organize All Policy and Claim Records

Keep your coverage documents, premium receipts, beneficiary forms, claim paperwork, medical records, and correspondence together.

Don’t Accept Any Offers

Don’t agree to a partial payout or sign away your rights before your claim has been properly reviewed.

Meet With Our Attorneys

A life insurance lawyer can determine whether New Jersey insurance law, ERISA, or other rules apply and identify problems with the insurer’s decision.

Life insurance appeals have strict deadlines, so acting early helps protect your rights.

You Pay Nothing Unless We Win

We handle life insurance disputes on a contingency basis. That means no upfront costs and no hourly billing. You only pay if we recover benefits for you.

If your claim has been denied or delayed, there’s no risk in having our attorneys review your case.

Insurance Companies Protect Themselves, We Protect You

Boonswang Law handles New Jersey life insurance claims through attorneys licensed in New Jersey and, when appropriate, through pro hac vice admission for a specific case.

We handle the process from start to finish, including:

Reviewing your policy to confirm what’s owed
Determining whether New Jersey law, ERISA, or other rules apply
Identifying weaknesses in the insurer’s denial
Reviewing applications, medical records, and other evidence
Managing communication with the insurer
Preparing and submitting an appeal
Pursuing payment through negotiation or litigation

Insurance companies focus on limiting payouts. We focus on getting you paid.

Fighting for Life Insurance Payouts Across New Jersey

Brick
Camden
Cherry Hill
Clifton
Edison
Elizabeth
Hamilton Township
Jersey City
Lakewood
Marlton
Passaic
Paterson
Woodbridge

Denied Life Insurance Claim? You Can Still Take Action

Boonswang Law has secured tens of millions for clients in all 21 New Jersey counties, including Bergen, Middlesex, Ocean, and Camden Counties, and nationwide.

If your life insurance claim was denied or delayed, contact us to discuss your options. There’s no cost unless we recover benefits for you.

Questions You Might Be Asking Right Now

Yes. New Jersey law can affect beneficiary rights after divorce, and a former spouse’s designation may be revoked in some cases. Divorce agreements, court orders, and policy terms can affect who receives the payout.

Sometimes. New Jersey individual life policies generally provide a 30-day grace period, so a missed payment does not necessarily mean coverage ended immediately.

Yes. If a beneficiary change was made due to pressure, fraud, or diminished mental capacity, it may be challenged and potentially overturned.

No. Beneficiary designations must be finalized while the policyholder is alive. Any changes made after death should be viewed with suspicion and reviewed immediately.

The New Jersey Department of Banking and Insurance directs consumers to the NAIC Life Insurance Policy Locator, a free service that can help locate a deceased person’s missing life insurance policy or annuity.