Life Insurance Lawyers in Ohio

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A Denied Life Insurance Claim Isn’t Always Final. Let Us Fight For You.

You’re grieving your loved one, and now the life insurance company is trying to deny your benefits. At Boonswang Law, our life insurance lawyers in Ohio won’t let them get away with it.

Over the last 20 years, our life insurance attorneys have helped beneficiaries like you recover over $200 million, handling ERISA disputes, accidental death (AD&D) denials, TSGLI disputes, and more.

Whether you’re in Florida, New York, California, Ohio, or across the U.S., we know the tactics insurance companies use to deny or delay your claim, and we won’t back down until they pay.

Don’t face the insurer on your own. Let our life insurance lawyers fight for your benefits while you focus on your family.

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

Hear From Our Clients

“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.”

How To Spot an Illegitimate Claim Denial

If your life insurance claim has been denied or delayed, the insurance company’s decision isn’t always the last word.

Insurers may point to policy language, application details, missed payments, or exclusions to avoid paying your benefits, but some denials are based on unfair tactics.

Common Reasons Insurers Deny Claims:

Application issues, such as alleged misstatements or missing information
Claims that the policy lapsed because of unpaid premiums
Exclusions related to suicide, self-inflicted injury, or the reported cause of death
Conflicts between named beneficiaries
Investigations during the policy’s contestability period

Signs the Denial May Be Invalid:

The insurer takes too long to respond or refuses to explain the decision clearly
The company applies policy terms in a way that seems unreasonable
Important medical records, payment history, or other evidence are ignored
Coverage is challenged only after the claim is submitted
The denial letter feels vague, inconsistent, or unsupported

Even if the insurer claims your benefits aren’t payable, you may still have a case.

Our life insurance lawyers will review the denial, determine whether the insurance company acted unfairly, and pursue the benefits you’re owed.

Which Type of Benefits Dispute Can We Help You With?

A denied or delayed claim isn’t always final. Many life insurance disputes can be challenged by reviewing your policy, payment history, claim file, or denial letter.

We handle claims in all 88 counties, from Columbus to Cleveland, and across Ohio.

Here’s how we can help you:

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 listed? Our attorneys may still be able to help. We’ll review your case and recommend the best course of action to get you paid.

Settlements We’ve Secured for Clients Like You

$1.25M

ING Insurance Company

$1M

New York Life Insurance Company

$780K

AIG American General Life Insurance Co.

How We Take On Major Life Insurance Companies

Life insurance companies have teams working to protect their bottom line.

When your claim is denied, delayed, or underpaid, you need a law firm that knows how to expose problems with the insurer’s reasoning and demand your benefits.

Here’s how our attorneys build your case:

Review the Claim Denial

We look closely at the policy, denial letter, claim file, and beneficiary information to pinpoint any unfair interpretations, missing evidence, or mistakes in the claim handling.

Strengthen Your Case

We gather records, documents, payment history, medical evidence, and legal arguments to challenge the insurance company’s decision and fight for your payout.

Push for the Benefits You’re Owed

We deal directly with the insurer and fight for payment. If the company continues to deny responsibility, we’re prepared to take further legal action to pursue your payout.

Whether you’re in Cincinnati, Newark, or Dayton, our life insurance lawyers are ready to protect your claim.

You Don’t Pay Unless We Win

You’re already under enough pressure facing a denied or delayed life insurance claim. Hiring a lawyer shouldn’t add to that burden.

We handle life insurance disputes on a contingency fee basis, so there are no upfront fees or hourly costs to begin your case. You’ll only pay after we successfully recover your benefits.

If the insurance company has refused to pay, delayed your claim, or offered less than you’re owed, our team will review your case at no cost.

When Insurers Deny Your Claim, We Get You Paid

After losing someone you love, you shouldn’t have to spend your time arguing with the life insurance company.

If the insurer is delaying payment or denying your claim, our attorneys step in to take the weight off your shoulders.

We build a strong case by:

Reviewing the life insurance policy to identify the benefits available to you
Finding gaps, errors, or unfair assumptions in the insurer’s denial
Examining the application, medical history, premium records, and claim materials
Gathering additional documentation to support your right to payment
Communicating directly with the insurance company for you
Preparing a clear, well-supported appeal
Pursuing your full payout through settlement negotiations or litigation when necessary

You focus on your family. We’ll hold the insurance company accountable and fight for the benefits you deserve.

Fighting For Beneficiaries Across Ohio

Akron
Beavercreek
Canton
Cincinnati
Cleveland
Columbus
Cuyahoga Falls
Dayton
Dublin
Euclid
Elyria
Hamilton
Kettering
Lakewood
Lorain
Mansfield
Mentor
Middletown
Newark
Parma
Springfield
Toledo
Youngstown

Life Insurance Claim Denied or Delayed? We Won’t Back Down.

A denied or delayed life insurance claim doesn’t mean your case is over.

At Boonswang Law, we’ve recovered more than $200 million for beneficiaries nationwide, and we’re prepared to fight for the payout you deserve.

Questions About Your Claim? Our Attorneys Can Help

Yes. A spouse may be able to challenge a beneficiary designation if there are questions involving divorce, remarriage, community property rights, outdated paperwork, or whether the named beneficiary is legally valid.

Sometimes. If the insurer failed to provide proper notice, a grace period applied, premiums were still accepted, or a waiver provision may have kept coverage active, the claim may still be worth challenging.

Yes. A recent beneficiary change can be disputed if there are signs of undue influence, fraud, pressure from another person, or concerns about the policyholder’s mental capacity when the change was made.

Generally, no. After the policyholder dies, the beneficiary designation is typically locked in, and any claimed post-death change should be reviewed carefully for validity.