Life Insurance Lawyers in Pennsylvania

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Has The Life Insurance Company Denied Your Benefits?

You just lost someone you love, and now the insurance company is refusing to pay the benefits meant to protect you.

At Boonswang Law, our life insurance lawyers in Pennsylvania will challenge the denial and fight for the payout your loved one intended for you.

Our life insurance attorneys have spent the last 20+ years recovering over $200 million for beneficiaries like you, handling denied claims, ERISA disputes, accidental death (AD&D) denials, TSGLI disputes, and other life insurance battles.

Whether you’re in Pennsylvania, South Carolina, Alabama, Ohio, or across the U.S., our attorneys deal directly with the insurer, build your case, and fight for every dollar you’re owed.

A delay or denial isn’t the end of the road. We won’t back down until we recover your rightful benefits.

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

Stories 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.”

Contestability Period for Life Insurance Claims in Pennsylvania

In Pennsylvania, a life insurance company may investigate and challenge a policy during the first two years after coverage begins.

An incorrect answer alone is not always enough to cancel the policy.

The insurer generally must prove that the statement was false, affected its decision to provide coverage, and was knowingly false or made in bad faith.

After the policy has remained active for two years, it usually cannot be contested, although unpaid premiums and certain additional benefits may still be excluded.

Our life insurance attorneys will review your denial and challenge the insurer when they don’t have a valid reason to deny your payout.

When Your Claim Denial May Not Be Legitimate

A denial letter can feel final, but insurance companies sometimes reject valid claims for reasons that aren’t fair or legitimate.

Our life insurance lawyers in Philadelphia, Harrisburg, and Pittsburgh look for weak evidence, policy misinterpretations, or mistakes during the review process to overturn the denial.

Reasons Life Insurance Companies Commonly Deny Claims:

Alleged inaccuracies on the policy application
Claims that coverage ended because premiums were not paid
Deaths the insurer believes fall under a policy exclusion
Disagreements involving multiple beneficiaries
Reviews conducted during the contestability period
Employer-related errors affecting group life insurance coverage

Signs the Denial May Not Be Justified:

The insurance company will not clearly explain its decision
Important records or supporting documents appear to have been ignored
Policy language is being interpreted in a questionable way
The claim remains under review for an unusually long time
The denial letter contains vague, conflicting, or unsupported explanations

If you believe the insurance company got it wrong, our life insurance attorneys will review your claim and determine whether you have grounds to challenge the denial.

Which Type of Benefits Dispute Are You Facing?

A denied life insurance claim, delayed payment, or coverage dispute doesn’t automatically mean you’ve lost your right to benefits.

Whether you’re in the Lehigh Valley, the Susquehanna Valley, the Poconos, or the Main Line, our life insurance attorneys will pursue every penny your loved one intended for you.

Here’s how we can help:

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? We’re happy to review your claim and build a strong case for the benefits you deserve.

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 What We’ve Done for Clients Like You

$1.25M

ING Insurance Company

$1M

New York Life Insurance Company

$780K

AIG American General Life Insurance Co.

What To Do If Your Claim Is Denied

If your life insurance claim has been denied, follow these steps to protect your right to benefits:

Assess The Reason for The Denial

Ask the insurance company to put its reason in writing and provide the records and policy language behind the denial.

Collect Your Supporting Paperwork

Bring together the policy, application, payment history, claim forms, beneficiary records, and all communication with the insurer.

Wait Before Accepting an Offer

Don’t take a reduced payment or sign a release until you know the full amount you may be entitled to receive.

Speak With an Attorney

Our life insurance lawyers can examine the claim, identify flaws in the company’s reasoning, and build a strong case to secure your benefits.

Life insurance cases have strict deadlines, so get in touch with us as quickly as possible to protect your claim.

Pay Nothing Until We Recover Your Benefits

The last thing you should worry about after a claim denial is paying legal fees out of pocket.

We handle life insurance cases on a contingency fee basis, so you won’t have to pay upfront costs, retainers, or hourly bills to hire our firm.

If we don’t recover benefits for you, you owe us nothing, and your case evaluation is always free.

Insurers Protect Their Bottom Line. We Protect You.

You should be focused on your family during this difficult time, not chasing answers from the insurance company.

Our attorneys handle everything on your behalf, dealing directly with the insurer to recover your rightful benefits.

Here’s how we build the strongest case for you:

Review your policy to identify the benefits available to you
Examine the denial letter for weak reasoning, missing details, or unfair assumptions
Look at the application, premium history, medical records, and claim materials
Gather documents that support your right to payment
Communicate directly with the insurance company on your behalf
Prepare a strong appeal backed by evidence
Pursue your full payout through negotiation or legal action when needed

Fighting For Clients Across Pennsylvania

Abington
Allentown
Altoona
Bethlehem
Erie
Haverford
Lancaster
Philadelphia
Pittsburgh
Reading
Scranton
State College
Upper Darby
York

A Denial Doesn’t Mean Your Case is Over. Let Us Fight For You.

A denied or delayed life insurance claim doesn’t mean your benefits are gone forever.

Boonswang Law has recovered more than $200 million for beneficiaries like you across the nation, and our attorneys are ready to fight for your rightful payout.

Get your free case evaluation today, and pay nothing until we win.

You’re Not Alone — We Hear These Questions from Beneficiaries Like You

Yes, a spouse may be able to challenge a beneficiary designation in certain situations, including disputes involving divorce agreements, beneficiary changes, or competing legal claims to the proceeds.

Sometimes. Depending on the policy and the circumstances, issues involving grace periods, notice requirements, or premium payments may provide grounds to challenge the denial.

Yes. Beneficiary changes made shortly before a person’s death can be challenged if there are concerns about undue influence, fraud, forgery, or the policyholder’s ability to make decisions at the time.

Generally, no. Once the policyholder passes away, the beneficiary designation typically becomes final, though disputes can still arise over whether the existing designation is legally valid.