Does a Life Insurance Policy have to go through Probate? Generally speaking, no. Usually, life insurance death benefits are paid out directly from the insurer to the beneficiary or beneficiaries […]
Was Your Foreign Death Life Insurance Claim Denied? Life insurance usually covers death while traveling internationally, but there are circumstances when it may not. This article will explore the potential […]
Life insurance is a necessity for family and loved ones, but it is an often misunderstood topic. These misconceptions don’t reflect the actual role life insurance plays in the average […]
You think you know how life insurance works – your loved one purchased a life insurance policy so that if something should happen to them, you would get a payout. […]
What Are the ERISA Claims & Appeals Procedures? If you get health and retirement benefits through work, ERISA is supposed to protect your rights regarding these programs. If you are […]
What Questions Should You Ask an ERISA Attorney After an LTD Denial? Long-term disability (LTD) insurance is helpful if you are injured to the point that you need to take […]
ADB is a death benefit rider attached to the insured’s life insurance policy that provides for the possibility of the insured receiving cash advances if he or she has been […]
While almost any life insurance policyholder has the power to change their beneficiary designation at any time, a last-minute beneficiary change may indicate fraud, duress, or lack of competence. That the beneficiary […]
Power of attorney for insurance purposes can mean any of several different things. Renowned national life insurance attorney Chad G. Boonswang explains everything you need to know about power of attorney in […]
You’ve probably heard of the Contestability Period, which is the two years following the purchase of life insurance during which a life insurance company can contest the beneficiary’s rights to […]
The Grace Period for Life Insurance Policies Both policyholders and life insurance beneficiaries should know what the grace period is for making premium payments on a life insurance policy. Life […]
Usually life insurance companies take 30-60 days to process a beneficiary’s claim for death benefits, but often payouts get delayed. This article explains the various circumstances under which a life […]
Life Insurance Misrepresentation defined by a national life insurance beneficiary attorney. Material misrepresentation is an untrue statement or omission that affects an insurer’s decision whether to issue a life insurance policy, […]
Learn from the nation’s top life insurance lawyers where death benefits go when there is no life insurance beneficiary or the beneficiary predeceases the policyholder. If you are an heir of a […]
A life insurance policy can be a lifesaver for many people, and keeping them current so the life insurance company has to pay out upon death is important. But there are times […]
Insurance companies often use unfair insurance claim practices to avoid paying the total amount of a claim that an insured person is due. They may either reject the claim outright or reduce […]
If there was a lapse in coverage, your claim will be denied. But don’t take no for an answer! Our life insurance attorneys have gotten many clients paid on lapsed […]
What is a vanishing life insurance premium? Is it a good thing? Perhaps, for some people. Learn about vanishing life insurance premiums from noted life insurance lawyer Chad G. Boonswang, […]
Why would someone lie on their application for life insurance? Your life insurance company uses the information you submit through your application and medical questionnaire to calculate their risk that […]
Alleged misrepresentation is one of the top reasons life insurance companies deny beneficiaries’ claims for the death benefits. Find out from the nations’ top life insurance lawyers what misrepresentation is, why insurance […]
Many causes of death are excluded from coverage in life insurance. Is murder one of them? Acclaimed national life insurance attorney Chad G. Boonswang discusses what happens to the death benefit if the […]
If you are the beneficiary of a life insurance policy, and your life insurance claim was denied in COVID-related death, don’t take no for an answer. The life insurance attorneys at Boonswang […]
Life Insurance Conversion Privilege What is life insurance conversion privilege, and how does it affect policyholders and their beneficiaries? Find out from the life insurance lawyers at Boonswang Law, who have gotten […]
Here’s an explanation of the most common reasons a life insurance company refuses to pay a claim, how you can prevent your beneficiaries’ claims from being denied, what to do […]
You would think that because you pay life insurance premiums, your beneficiaries will automatically get their payout if you die within the policy term. It is rarely that simple. Life […]
Unfortunately, one of the most common reasons insurance companies refuse to pay a life insurance claim is because the insured smoked, but did not disclose their past or current smoking […]
Can the life insurance company deny your claim because the insured used alcohol? The short answer is yes, claims for death benefits are frequently denied unfairly when alcohol is involved. […]
Can you appeal a life insurance claim denial? Yes! Are you a life insurance beneficiary whose claim was denied? This article will explain exactly what to do if your claim […]
How Does Life Insurance Work in New York State? If you are the owner or a beneficiary of a life insurance policy issued in New York State, this guide will […]
Current spouses and often ex-spouses are often named life insurance beneficiaries by an insured. However, when they are not, there are circumstances under which they are still entitled to some […]
A life insurance policy may count as a marital asset, depending on what law or laws control the policy. Whether or not it is a marital asset, an insurance policy […]
Life insurance interpleaders are the legal actions filed when there is a dispute over who should be the beneficiary and receive the death benefit. Have you been served with an […]
Has Your Life Insurance Policy Been Rescinded? Find out from the experienced life insurance lawyers at Boonswang Law how a life insurance policy gets rescinded, and what to do if you are […]
Sometimes. It depends upon what state and federal law controls the life insurance policy and whether the policyholder was married in a community property state or not. Learn from the […]
Waiting for a claim to be paid out can be a frustrating process. Generally speaking, claims should be processed and paid out within a month, but this is often not the case. […]
This article will explain the common ways in which life insurance companies underpay valid beneficiary claims for death benefits and the reasons why. If your claim is denied for a […]
If your loved one died of COVID-19, and you are the named beneficiary of his or her life insurance policy, read this guide for problems to look out for and […]
Our Life Insurance Attorneys Represent You in the Interpleader An “interpleader” is a legal action that is initiated by the life insurance company when the new beneficiary and the removed […]
Can a Life Insurance Beneficiary Designation Be Contested? Yes, you can contest a life insurance beneficiary designation and you may be able to sue for life insurance proceeds. Common reasons […]
Recently there has been a lot of successful litigation by beneficiaries of group life insurance policies provided by employers. In these cases, the insured either retired, quit, or was fired, […]
Sometimes the way a loved one dies exacerbates the grief of friends and family members. Autoerotic asphyxiation can be one of those causes of death, but life insurance beneficiaries often […]
What Are the 4 Most Common Reasons Insurers Deny Life Insurance Claims? If you have a life insurance policy to provide your loved ones with financial benefits after your death, […]
People purchase life insurance policies to protect their families and dependents in the unfortunate event of their death. Life insurance policies are valid, legally binding contracts between policyholders and life […]
How Does Life Insurance Work in Florida? If you are the owner or a beneficiary of a life insurance policy issued in the State of Florida, this guide will provide […]
If you or someone close to you contracted the coronavirus, filed an AD&D claim, and the insurer denied your claim, call us. If there is a way to get your […]
Chad Boonswang: Voted Top Rated Lawyer in 2020 The Boonswang Law Firm is pleased to announce that Chad Boonswang has been recognized as one of the top rated attorneys of […]
Life Insurance Beneficiary Lawyer to Help You If Your Life Insurance Claim is Denied due to COVID-19, the disease caused by the Coronavirus We are in the middle of a […]
Has your claim been denied due to misrepresentation or insufficient coverage caused by insurance agent negligence? Find out from a nationally-recognized life insurance beneficiary lawyer what an insured or a […]
What is an AD&D policy? Typically accidental death and dismemberment insurance (AD&D) is available as a rider to a life insurance policy or a health insurance policy. An AD&D rider […]
The answer is, maybe. Most life insurance policies contain a “war exclusion” clause, which specifically excludes coverage for acts of war like: Terrorism Revolution Military coup Insurrection Invasion Have you […]
Recently there has been a lot of successful litigation by beneficiaries of group life insurance policies provided by employers. In these cases, the insured either retired, quit, or was fired, […]
Sound familiar? It happens more often than one would think. If this happens to you or someone you love, don’t feel powerless – there is something you can do about […]
If a life insurance company is delaying payment of your claim, you may be owed interest. When an insurance company denies or delays your claim, they can continue investing the […]
If you are the owner or beneficiary of a life insurance policy issued in Texas, it is important to understand your rights under the policy as well as the specific […]
What happens when multiple people claim they each are entitled to life insurance benefits after the death of the insured? How does an insurance company determine who is entitled to […]
When a life insurance policy “lapses,” it means that the policyholder or designated payor has not paid one or more required premium payments. Premium payments are required to keep a […]
What to do when an applicant for an individual health policy failed to complete the application properly What happens when a life insurance application contains bad information? Wrong or false […]
Does Life Insurance Pay for Suicidal Death? Does life insurance cover suicide? Perhaps. Hopefully you do not ever have to go through such an ordeal, but if you ever experience […]
Do insurance companies cover felons and convicts? Can you get life insurance if you are a felon? Can you get life insurance with a criminal record? When deciding whether to […]
What happens to life insurance when you leave a job? Does your employer end coverage when employment is terminated? Not necessarily and not without notice. Read on to find out […]
Common Life Insurance Exclusions Include Substance Abuse and Suicide Top Reasons Life Insurance Claims Get Denied An important piece to any life insurance policy with which one should become familiar […]
What does it mean for a policy to lapse? When a life insurance policy “lapses,” it means that the policyholder or designated payor has not paid one or more required […]
What does divorce mean for life insurance beneficiaries? Laws that govern divorce, also known as family law, vary from state to state. Beneficiaries of a life insurance policy may be […]
Is a drug or alcohol overdose considered an accidental death? Will life insurance payout when the insured died due to accidental drug overdose or alcohol poisoning? Sometimes. Insurance policies will […]
Life Insurance Retained Asset Accounts Explained Retained Asset Accounts, also known as RAAs, are tools created by life insurance companies as an alternative to paying out a lump sum. You […]
Coping with the death of a loved one can be an emotionally taxing experience. While finances may be the last thing on your mind, understanding the basics of estates, trusts, […]
A trust is a financial entity created when an individual puts money or assets aside to be managed, invested, and distributed by a trustee. Trusts may assign an individual or […]
Yes. You always should name multiple beneficiaries on a life insurance policy. Why? Read on to find out. What is a Beneficiary? When taking out a life insurance policy, the […]
An insurance company acts in “bad faith” when it attempts to avoid its legal obligations to clients. Insurance companies engage in bad faith when they deliberately misconstrue or fail to […]
If you’re the beneficiary of a life insurance policy on someone who recently passed away, you may be wondering how the payout process works. What’s the typical time frame? What’s […]
Why would a life insurance claim be denied? Can Life Insurance Deny a Claim? Yes. Life insurance claims are frequently denied. A life insurance company can refuse to pay a […]
Can Life Insurance Companies Deny a Claim? At first glance, life insurance seems like a fairly simple process. The policyholder applies for insurance with a specified death benefit, and, after […]
When someone purchases life insurance, he or she must have an “insurable interest” in the insured. This means that the policyholder, i.e. the person who owns the policy and names […]
Contesting a Life Insurance Beneficiary Designation Can a life insurance beneficiary be contested? Yes. When a policyholder passes away, his or her life insurance benefit is supposed to go to […]
California Beneficiary Laws For the most part, the process of naming beneficiaries to a life insurance policy is the same across all states. In fact, unless prohibited to do so […]
Life Insurance Companies May Not Contact Beneficiaries After facing a loved one’s death, life insurance can help provide necessary financial security to pay for funeral expenses and supplement lost income. […]
Ideally, the death benefit on a life insurance policy is paid directly from the insurance company to the named beneficiary or beneficiaries. However, disputes frequently arise over who is rightfully […]
Waiting for a claim to be paid out can be a frustrating process. Generally speaking, claims should be processed and paid out within a month, but this is often not […]
Does Life Insurance go through Probate? Is Life Insurance Part of a Deceased Person’s Estate? Generally speaking, no. Life insurance death benefits are paid out directly from the insurer to […]
When taking out a life insurance policy, the policyholder aims to provide an extra layer of financial security and peace of mind for his or her loved ones. However, since […]
Life insurance is typically taken out to provide a secure, guaranteed pool of funds for a loved one in the event of the policyholder’s death, often used to compensate for […]
What is a Spendthrift Clause in a Life Insurance Policy? Let’s start with defining a Spendthrift Trust Provision A “spendthrift trust” is a form of trust meant to protect the […]
If all goes well and all documentation is in order, insurance companies should pay out on claims promptly. In most cases, the time from which the death certificate and necessary […]
What happens if a life insurance beneficiary is deceased? When a policyholder passes away, his or her life insurance benefit is supposed to go to a predetermined beneficiary, often a […]
In short, the beneficiaries’ claims are more likely to be denied. A life insurance company is contractually obligated to pay the specified death benefit regardless of when the loved one […]
What does lapse mean in life insurance? Lapsation in insurance is a common problem. Here is the definition of lapse. When you buy a life insurance policy, the insurance company’s […]
When a family member or friend commits suicide, loved ones are left with a myriad of questions. Could I have helped him? Why didn’t she talk to me? Did he […]
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LIFE INSURANCE LAWYERS FIGHTING FOR YOU We are proud to share our new ad featuring information about how we help beneficiaries throughout the United States.
The terms of your policy could be life-altering for your loved ones. Insurance is something of a mystery to many of us. What are the different kinds of coverage out […]
The short answer is yes. A lawyer that specializes in life insurance claim denials can help you. Insurance companies will often stretch the law as far as they can when […]
It is profitable for insurance companies to do whatever they can to collect premiums and not pay claims. An experienced life insurance lawyer is familiar with the sorts of tactics […]
Boonswang Law Rated with Avvo’s Highest Score We are proud to congratulate our founder, Chad G. Boonswang, for receiving a perfect rating by our clients in 2015. Mr. Boonswang’s rating […]
Many Beneficiaries Do Not Even Think of Contacting a Life Insurance Attorney. Congratulations on taking the first step towards fighting for your claim. There are enough beneficiaries out there that […]
Life insurance is among those things that are purchased with the hope of never using it. Unfortunately, such a dream cannot be granted to everyone, and when such tragic event […]
