Top 10 Most Dangerous Vacation Destinations in the World
Spring Break is the perfect time to visit popular tourist destinations worldwide. If you’re thinking about going away this spring, some common factors will usually help you land on the […]
Life Insurance Blog
Why Would a Life Insurance Policy Need Probate Papers?
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 […]
Does Life Insurance Pay for Overseas Deaths?
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 […]
16 Life Insurance Statistics & Facts For 2022
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 […]
A Guide to Handling Your Life Insurance Claim Denial Appeal
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. […]
ERISA Claims & Appeals Procedures
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 […]
Questions to Ask an ERISA Attorney After an LTD Denial
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 […]
Contesting Life Insurance Beneficiary Last-Minute Changes
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 & Life Insurance Claims Explained
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 […]
The Incontestability Clause in Life Insurance Policies
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
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 […]
Why Your Life Insurance Claim Takes So Long
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 […]
What is “Material Misrepresentation” in Life Insurance?
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, […]
What Happens to Life Insurance with No Beneficiary?
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 […]
What Are Unfair Insurance Claim Practices?
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 […]
Was Your Life Insurance Claim Denied Due to Lapse?
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 […]
Vanishing Premium in Life Insurance Policies
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, […]
What Happens When There Is False Information On A Life Insurance Application?
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 […]
Misrepresentation On a Life Insurance Policy
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 […]
Life Insurance Payouts & Murder
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 […]
Life Insurance Not Paying for COVID-Related Death?
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
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 […]
Life Insurance Company Won’t Pay Claim? Here’s What to Do When Your Claim is Denied
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 […]
Life Insurance Companies & Your Medical Records
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 […]
Life Insurance Claim Denied Due to Smoking?
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 […]
Life Insurance Claim Denied Due to Alcohol Consumption?
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. […]
Life Insurance Claim Denial Appeal
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 […]
Life Insurance Beneficiary Rules in NY
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 […]
Interpleader Action in Life Insurance Lawsuits
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?
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 […]
Does a Divorce Decree Override a Named Beneficiary?
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 […]
Do life insurance companies have a statute of limitations on payments?
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. […]
Life Insurance Comapany Not Paying Full Amount?
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 […]
A Guide To COVID-19 & Life Insurance Payouts
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 […]
Contesting Life insurance Beneficiary Last-Minute Changes
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 […]
Beneficiary Problems with Employer Group Life Insurance
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, […]
Autoerotic Asphyxiation Life Insurance Claim Denied
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 […]
4 Most Common Reasons Why Insurers Deny Life Insurance Claims
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, […]
16 Reasons Life Insurance Won’t Pay Out
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 […]
Life Insurance Beneficiary Laws in Florida: A Guide
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 […]
Is COVID-19 Covered By Your AD&D Policy? Maybe…
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
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 […]
Can a Life Insurance Claim be Denied Because of Coronavirus?
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 […]
Getting Accidental Death & Accidental Dismemberment Payouts
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 […]
Does Life Insurance Cover Acts of War or Terrorism?
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 […]
Beneficiary Problems with Employer Group Life Insurance
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, […]
AARP Life Insurance Claim Denied Due to Lapse – What To Do
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 […]
Delayed Payout? Life Insurance Companies May Owe Interest
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 […]
Your Guide to Life Insurance Beneficiary Disputes
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 […]
What To Do When a Life Insurance Claim is Denied Due to Lapse
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 happens when there is false information on a life insurance application?
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 […]
Will Life Insurance Pay for Suicidal Death?
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 […]
Can Felons and Ex-Convicts Get Life Insurance?
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 When Your Employer Terminates Your Group Life Insurance Policy?
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 […]
Why A Life Insurance Company Won’t Pay: Common Exclusions
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 Happens When a Life Insurance Policy Lapses?
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 […]
How Does Divorce Affect the Beneficiaries of a Life Insurance Policy?
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 […]
Does Life Insurance Cover Drug Overdoses?
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 […]
5 most common reasons a life insurance company will deny a claim
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 […]
Misrepresentations and cause of death in life insurance applications
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 must an insurable interest exist for a life insurance contract to be valid?
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 […]
Life insurance beneficiary rules in California – 2020 Update
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 […]
How to Find a Life Insurance Policy After Death
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. […]
Can an interpleader take money from the winner of a contested insurance policy to pay court costs?
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 […]
Do life insurance companies have a statute of limitations on payments?
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 […]
Why would a life insurance policy need probate papers?
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 can an insurance company cancel a life insurance policy?
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 […]
What is a spendthrift provision?
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 […]
How long should it take for an insurance company to pay out on a life insurance claim?
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 to the benefits for a life insurance policy when the beneficiary is deceased?
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 […]
What happens if someone dies shortly after getting life insurance?
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 happens if a life insurance policy lapses due to nonpayment of premiums?
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 […]
Life Insurance Attorney Answers Common Questions About Whole Life Insurance
One thing insurance agents, financial planners and life insurance lawyers agree on is that life insurance is necessary for people with spouses, partners and children who depend upon the insured’s […]
The Difference Between Term Life Insurance and Whole Life Insurance
Most people buy life insurance so that if they die, their families’ financial needs will still be met. The two most common types of life insurance are term life and […]
Is a Life Insurance Lawsuit Needed When Your Insurance Claim is Delayed?
Life insurance is supposed to protect loved ones in the event of a tragedy, such as the death of a parent or spouse. The insurance provides a financial cushion to […]
Philadelphia Life Insurance Attorney Answers the Question: Who Needs Life Insurance?
Do I need life insurance? Why? What kind? How much? Questions like these can keep people up at night, especially parents. The experienced life insurance lawyers at Boonswang Law provide […]
Three Ways a Life Insurance Denial Lawyer Can Help You After the Loss of a Loved One
After losing a loved one, dealing with daily life can feel like an epic battle. If you have lost one of your parents, you may unexpectedly become caregiver to your […]
How Do You Name Children as Beneficiaries on Your Life Insurance Policy?
In a prior post, we discussed some of the problems that can arise when children are named as life insurance beneficiaries. This post discusses options for parents who want to […]
Why Some Lawyers Advise Against Naming Minors as Life Insurance Beneficiaries
Since life insurance is often purchased to provide for the needs of children, some people assume they should name their children as the beneficiaries of their policies. However, as well-meaning […]
How to Respond to a Life Insurance Claim Denial Based on Cause of Death
One way life insurance companies remain profitable is by limiting their risks. That is why the process of applying for life insurance can be so tedious, especially as the amount […]
Life Insurance Payout Denied: What Next?
Insurance companies deny thousands of life insurance claims a year. Many denials are decided quickly based on the information in front of the person processing the claim. However, the information […]
A Denied Life Insurance Claim Can Wreak Financial Havoc on Families
Most people buy life insurance to provide financial stability for their families upon their death. Considerations in determining how much life insurance to purchase often include how many dependents the […]
Was Your Life Insurance Payout Denied After the Contestability Period?
Life insurance is a contract between the insured and the insurance company. For a contract to be legally enforceable, both parties to the contract have to agree to the same […]
Five Reasons For a Denied Life Insurance Claim
You and your spouse responsibly planned ahead for what would happen if one of you were to die. You purchased enough life insurance to keep the house and take care […]
APPLYING FOR LIFE INSURANCE—WHY THE DETAILS MATTER
Flaws can cancel life insurance—after death. By Lisa Girion and Sandra Poindexter, LOS ANGELES TIMES American General Life Insurance Co. markets its policies as protection for “the hopes and dreams […]
LEARN THE INS AND OUTS OF BUYING LIFE INSURANCE
While life insurance isn’t fun to buy, it’s a critical part of many financial plans By Matt Krantz, USA TODAY Few people get a shopper’s high buying toilet paper, motor […]
How to Find Out If You’re the Beneficiary to a Life Insurance Policy
Ask the deceased policyholder’s accountant or financial planner. One of these people should know about any insurance policies. Also, contact the policyholder’s employer to find out if he had group […]
Get the Benefits You Deserve
When someone close to you passes away, there is so much to do and so much to think about. You are probably overwhelmed with grief and emotion, trying to stay […]
The Life Insurance Claims Process Made Easy
Navigating through the life insurance claim process can be like going through a minefield. The life insurance claim process can be riddled with delays or even denials calling for experienced […]
How Life Insurance Claims Work
It’s not uncommon for those with a life insurance claim to not know how to best proceed with it, or even how life insurance claims work, for that matter. Luckily, […]
Lawyers for Life Insurance Policies
Many people choose to take out life insurance policies, but when it comes time to pay out on those policies, not all insurers want to hold up their end of […]
Experiencing Denied Life Insurance Claims
Complete Compensation Denied life insurance claims are a common occurrence that happens to individuals and families requiring the assistance of the legal team at the Boonswang Law Firm in Philadelphia. […]
Lawyers for Life Insurance Claims will be by Your Side to Represent You
Life Insurance Policies Individuals and families purchase life insurance policies for many reasons, but often it is to provide financial security after the loss of a loved one. In many […]
