Life Insurance Lawyers in Arkansas

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Has Your Life Insurance Claim Been Delayed or Denied?

Losing a loved one is hard enough. You shouldn’t have to fight the life insurance company for the benefits you’re rightfully owed.

If your claim has been denied or delayed, our life insurance lawyers in Arkansas will challenge the insurer’s decision and fight for every penny your loved one intended for you.

At Boonswang Law, our life insurance attorneys have spent 20+ years helping beneficiaries pursue unpaid benefits in denied and delayed claims, ERISA disputes, accidental death (AD&D) denials, TSGLI disputes, and other life insurance matters.

We’ve recovered more than $200 million for clients in Little Rock, Fayetteville, across Arkansas, and across the U.S. in states like Florida, New York, California, New Jersey, and Texas.

You’ll pay nothing upfront, and we’ll handle everything to push back against the wrongful denial and get your benefits paid.

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

Hear From Beneficiaries 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.”

Contestability Period for Life Insurance Claims in Arkansas

Under Arkansas Code § 23-81-105, life insurance policies generally become incontestable after they have been in force for two years during the insured person’s lifetime.

Exceptions can apply for nonpayment of premiums, fraud in obtaining the policy, and certain additional benefits.

Arkansas also gives policyholders a 30-day grace period for late premiums.

For death claims, insurers may also owe 8% annual interest when proceeds remain unpaid more than 30 days after receiving proof of death.

Contestability rules can differ across state lines, so a claim in Arkansas may be treated differently than one in Louisiana, Missouri, or Tennessee.

If your insurer is using Arkansas’s contestability rules to deny your benefits, our attorneys can review the policy and determine whether the denial complies with state law.

Is Your Claim Denial Legitimate? How To Tell

A life insurance denial can sound final, but the insurer’s explanation may not tell the whole story.

Before you accept the decision, look closely at why your claim was denied and whether the company followed the policy correctly.

Reasons an Insurer May Deny Your Claim

The policy was no longer active when the insured died
The death falls under a specific exclusion in the policy
The insurer claims important application information was inaccurate
There is a dispute over who is legally entitled to the death benefit
The claim does not meet a stated condition of coverage

Reasons To Question the Insurer’s Decision

The explanation for the denial is unclear or keeps changing
The company overlooked records that support your claim
The policy language is being used in a way that unfairly blocks payment
Your claim has been sitting without a clear decision or explanation
The insurer tries to cancel or rescind coverage only after the death benefit is claimed

Our life insurance attorneys can review your policy, denial letter, and supporting records to determine whether you have grounds to fight the decision.

Types of Life Insurance Disputes We Can Help You With

Whether you’re in Fayetteville, Fort Smith, Jonesboro, or elsewhere in Arkansas, our attorneys can challenge the denial or delays standing between you and the life insurance benefits you’re owed.

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

If your situation isn’t listed, don’t hesitate to reach out. Our attorneys will review your claim and fight for the benefits 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 How We’ve Helped Beneficiaries Like You

$1.25M

ING Insurance Company

$1M

New York Life Insurance Company

$780K

AIG American General Life Insurance Co.

Protect Your Right To Benefits

If your life insurance claim has been denied or delayed, what you do next can affect your ability to recover the benefits you’re owed.

Get the Denial in Writing

Ask the insurance company to explain its decision and identify the policy terms, records, or evidence it relied on.

Keep Copies of Everything

Save your policy, beneficiary forms, premium records, claim documents, medical records, letters, emails, and any other communication with the insurer.

Avoid Signing Away Your Rights

Don’t agree to a reduced payout, release, or settlement until you know whether you may be entitled to more.

Have an Attorney Review Your Claim

Our life insurance attorneys can examine the denial, identify weaknesses in the insurer’s position, and determine how to pursue the benefits you’re owed.

Some claim disputes have strict deadlines, so contact our life insurance lawyers as soon as possible to protect your right to challenge the insurer’s decision.

We Fight For You with No Fees Upfront

You shouldn’t have to take on another financial burden just to fight for the life insurance benefits you’re owed.

Boonswang Law handles your case on a contingency fee basis, so you pay nothing upfront and owe no legal fees until we recover benefits for you.

How We Build The Strongest Case For You

We look closely at the insurer’s decision, your policy, and the records behind your claim to find the strongest grounds for challenging the denial.

Our attorneys handle the work needed to move your case forward, including:

Reviewing the policy terms and the benefits available to you
Examining the reason your claim was denied or delayed
Comparing the insurer’s decision against the application, medical records, and payment history
Identifying missing evidence, factual errors, and weak points in the denial
Gathering documents and records that support your right to payment
Dealing directly with the insurance company on your behalf
Preparing appeals, demand letters, and other claim challenges
Negotiating for your benefits or pursuing legal action when necessary

Representing Beneficiaries Throughout Arkansas

Bentoville
Bella Vista
Conway
Fayetteville
Fort Smith
Hot Springs
Jonesboro
Little Rock
Paragould
Pine Bluff
Rogers
Russellville
Sherwood
Springdale
Texarkana

Get Your Case Reviewed For Free

A denial from the life insurance company may not be the final word, and you could still have grounds to pursue the benefits you’re owed.

Boonswang Law has recovered more than $200 million for beneficiaries nationwide, and we’ll review your case for free with no upfront legal fees.

Questions About Life Insurance? We’re Here To Help

Yes, in some situations. A spouse may be able to challenge the named beneficiary if there are issues involving divorce orders, marital rights, fraud, or whether the designation was legally valid.

If the insurer failed to follow required notice rules, a grace period was still in effect, or payment records show coverage should have remained active, you may still be able to recover benefits.

Yes. A change made shortly before death may be challenged if there are concerns about fraud, coercion, undue influence, forgery, or the policyholder’s mental capacity at the time.

Generally, no. Once the policyholder dies, the beneficiary designation is typically fixed, although disputes can still arise over whether the existing designation was valid in the first place.