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.

Our Pennsylvania life insurance lawyers investigate what caused the claim to stall or fail, from disputed application answers to questions about whether coverage was still active.

For more than 20 years, our life insurance attorneys have handled denied claims, ERISA disputes, accidental death (AD&D) denials, TSGLI disputes, and other life insurance matters, recovering more than $200 million for beneficiaries.

Whether you’re in Pennsylvania, Florida, New York, New Jersey, or across the U.S. in California or Texas, our attorneys can deal directly with the insurer and pursue the benefits you’re owed.

“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.”

How Pennsylvania Law Can Change the Outcome of a Life Insurance Claim

Pennsylvania has specific rules for missed premiums, application statements, delayed death benefits, and insurer bad faith.

Grace Period: Under Pennsylvania’s Insurance Company Law, most individual life policies provide 30 days or one month for premiums due after the first policy year while coverage remains in force.

Two-Year Incontestability Rule: Most policies become incontestable after they have been in force during the insured’s lifetime for two years, except for nonpayment of premiums and certain permitted additional-benefit provisions.

Application Misstatements: Pennsylvania courts generally require an insurer seeking to avoid a life policy to show that the statement was false, material to the risk, and knowingly false or made in bad faith.

Delayed Death Benefits: If benefits are not paid within 30 days after satisfactory proof of death is submitted, Pennsylvania law generally requires interest. When proof is submitted within 180 days of death, that interest runs from the insured’s date of death.

Bad Faith: Under 42 Pa.C.S. § 8371, a court that finds insurer bad faith may award interest at the prime rate plus 3%, punitive damages, court costs, and attorney fees.

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

The reason in the denial letter is only one part of the claim.

The policy, application, payment history, medical records, and insurer’s claim file can all affect whether the decision is supported.

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.

Consumers can file a complaint or ask for help through the Pennsylvania Insurance Department.

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 handle claims throughout Pennsylvania involving:

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.

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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 assess whether the insurer has a valid basis for withholding the benefit and what evidence may be needed to respond.

Keep any deadlines in the denial letter in mind, particularly if an appeal or lawsuit may be necessary.

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.

How We Build Your Claim

Boonswang Law is based in Philadelphia, with attorneys admitted to practice in Pennsylvania, and handles life insurance disputes for beneficiaries throughout the state.

We review the records that matter most, including:

The life insurance policy and available benefit
The insurer’s denial or delay explanation
The application and premium payment history
Medical records and beneficiary documents
Evidence the insurer may have overlooked

From there, we determine whether the claim should be appealed, negotiated, or taken to court.

Fighting For Clients Across Pennsylvania

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

Get a Second Look at Your Life Insurance Claim

If the insurer has refused or delayed payment, we can review the claim and explain whether there is a basis to pursue the benefit further.

Start with a free case evaluation.

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

Potentially. Under 20 Pa.C.S. § 6111.2, a revocable beneficiary designation naming a spouse or former spouse can become ineffective after divorce, subject to exceptions such as policy wording, a court order, a written agreement, or redesignation after the divorce.

Sometimes. For premiums due after the first policy year, Pennsylvania generally gives individual policyholders 30 days or one month to make the overdue payment while coverage remains in force.

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.

Pennsylvania generally requires more than showing that an answer was simply incorrect. In a life insurance dispute, the insurer may need to establish that the statement was material and knowingly false or made in bad faith.

The Pennsylvania Insurance Department directs consumers to the NAIC Life Insurance Policy Locator, which can ask participating insurers to search their records for a deceased person’s policy.