Life Insurance Lawyers in Wyoming

Get Your Benefits, Not Excuses

✓ No Fee Unless We Win
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Is The Life Insurance Company Withholding Your Payout?

After losing a loved one, the last thing you should have to worry about is the life insurance company delaying or denying the benefits they intended for you.

At Boonswang Law, our life insurance lawyers in Wyoming will handle the fight while you focus on your family.

Over the last 20+ years, we’ve recovered $200+ million for beneficiaries like you, taking on claims involving denied life insurance benefits, ERISA disputes, accidental death (AD&D) denials, and TSGLI disputes.

Whether you live in Cheyenne, Laramie, or across Wyoming, our life insurance attorneys will review your policy and fight for the benefits you’re owed, with no cost until we win for you.

We also represent beneficiaries in Florida, New York, New Jersey, Texas, California, and throughout the U.S., providing state-specific guidance to push back against unfair denials.

Get in touch with us today and let’s start building your case.

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

Hear From Clients We’ve Helped

“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.”

Wyoming Rules That Can Affect a Life Insurance Claim

Wyoming sets specific deadlines and remedies for unpaid life insurance claims, along with protections involving insurance applications and group coverage.

45-Day Claim Decision: Wyoming generally requires a life insurer to accept and pay or reject a claim within 45 days after receiving the required proof of loss and supporting evidence.

Attorney Fees + 10% Interest: If a beneficiary obtains a judgment and the court finds that the insurer unreasonably or without cause refused to pay the covered loss, the court may award reasonable attorney fees and 10% annual interest.

Application Changes Require Consent: A written life insurance application generally cannot be altered by someone other than the applicant without the applicant’s written consent, apart from permitted administrative entries.

Death During Group-Life Conversion: If an insured dies while still entitled to convert qualifying group life coverage, the amount they could have converted can remain payable under the group policy even if no conversion application or first premium was submitted.

Life insurance laws differ from state to state, so a claim in Wyoming may be treated differently than one filed in Montana or South Dakota.

Is Your Claim Denial Legitimate? How To Tell

A denial letter may sound final, but it doesn’t guarantee your claim was handled correctly.

Common Reasons Life Insurance Claims Are Denied

Alleged mistakes or omissions on the insurance application
Missed premium payments or a claimed policy lapse
Disputes over the cause of death
Conflicts between beneficiaries
Reviews during the contestability period
Issues involving employer-sponsored life insurance

Signs Your Denial May Be Worth Challenging

The insurer changes its explanation or gives you little detail
Records that support your claim appear to have been overlooked
Policy terms are being applied in a way that does not match the facts
Your payment has been delayed without a clear reason
The insurer is relying on weak or incomplete evidence

If the denial depends on information from the application, how that application was completed matters. Wyoming generally does not allow someone other than the applicant to alter a written application without the applicant’s written consent.

Our life insurance lawyers will review the denial, compare it against the policy and claim record, and determine whether you may be able to fight back.

Consumers can also file a complaint with the Wyoming Department of Insurance about claim delays, denials, or other insurance concerns.

Benefit Disputes We Can Help You Work Through

A denied or delayed payout doesn’t always mean your benefits are gone for good.

Our life insurance lawyers help beneficiaries in Casper, Laramie, and across Wyoming challenge a wide range of claim disputes, including:

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 can assess your claim, walk you through your next steps, and fight for the payout you’re owed.

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 Beneficiaries Like You

$1.25M

ING Insurance Company

$1M

New York Life Insurance Company

$780K

AIG American General Life Insurance Co.

Denied Claim? Here’s How To Protect Your Benefits

The steps you take after a denial can affect your ability to challenge the insurer and recover the payout your loved one meant for you.

Get the Denial in Writing

Ask the insurance company to state why your claim was denied and identify the policy terms or evidence behind its decision.

Save Every Relevant Record

Gather the policy, beneficiary paperwork, premium history, medical records, claim forms, and all emails or letters from the insurer.

Avoid Signing Away Your Rights

Do not accept a reduced benefit, settlement, or release before you know whether the insurer owes you more.

Have an Attorney Review the Claim

Our life insurance lawyers can examine the denial, identify weaknesses in the insurer’s position, and determine the best way to pursue your benefits.

Deadlines may apply to appeals and other claim challenges, so getting your case reviewed early can help you preserve your options.

No Legal Fees Until We Win For You

You don’t pay upfront legal fees to pursue your life insurance claim.

We work on a contingency basis, which means you only pay us when we recover benefits for you.

Our life insurance attorneys will help you challenge the insurer without adding to your financial burden during this difficult time.

Our Strategy For Battling Insurers

Wyoming claims can be handled with the involvement of Wyoming-licensed local counsel, and Boonswang Law attorneys may seek pro hac vice admission for a particular lawsuit when the court approves it.

We build a strong case based on your loved one’s policy, the insurer’s reasoning, and the evidence supporting your right to benefits:

We review your policy, coverage terms, and beneficiary designation
We examine the denial for unsupported or inconsistent reasoning
We check applications, premium records, medical records, and claim documents
We identify evidence the insurer may have overlooked
We collect additional records that support your claim
We handle communications with the insurance company for you
We prepare appeals and challenge the denial directly
We pursue payment through negotiation or litigation when necessary

Serving Clients Throughout Wyoming

Casper
Cheyenne
Cody
Douglas
Evanston
Gillette
Green River
Jackson
Lander
Laramie
Rawlins
Riverton
Rock Springs
Sheridan
Torrington

Book Your Free Case Review

Your life insurance claim doesn’t have to end with the insurer’s decision.

Boonswang Law has recovered more than $200 million for beneficiaries nationwide, and our attorneys are ready to review your claim and fight for the benefits you’re owed.

Questions We Often Hear From Beneficiaries

Potentially. Wyoming law generally revokes certain revocable beneficiary interests in favor of a former spouse after divorce or annulment, unless an exception applies. The rule can also affect certain relatives of the former spouse.

Sometimes. Wyoming generally requires a 30-day or one-month grace period for premiums after the first, during which coverage remains in force. The payment history and effective lapse date should be checked before assuming the policy had already ended.

If the insured dies during a qualifying Wyoming group-life conversion period, the amount they were entitled to convert can still be payable under the group policy even if they never submitted the conversion application or first premium.

A recent beneficiary change may be challenged if there are concerns about the policyholder’s mental capacity, pressure from another person, fraud, or whether the change was completed properly.

In most cases, beneficiary changes cannot be made after the insured dies because the designation in effect at death generally controls unless it is later overturned through a valid legal challenge.

The Wyoming Department of Insurance provides access to the NAIC Life Insurance Policy Locator, which can help beneficiaries search participating insurers for a deceased person’s missing policy or annuity.