Category: Life Insurance
Life insurance lawyer meeting with client

Life Insurance Beneficiary Rules for Spouses and Ex-Spouses After Divorce

Current spouses and often ex-spouses are often named life insurance beneficiaries by an insured. However, when they are not, there are circumstances under which they are still entitled to some or all of the death benefit.

If your spouse or ex-spouse died, had life insurance, and did not name you as beneficiary, you may still have a right to some or all of the death benefit depending upon the circumstances. 

If you are an ex-spouse and your life insurance claim was denied, you may still be paid. If your spouse or ex-spouse named you as beneficiary and someone is disputing that, you may still be paid.

Whether you are the named beneficiary or believe you should be, call us for your free, no-obligation case evaluation. Our life insurance claim attorneys help people in your position file their interpleader action and get paid the life insurance death benefits to which they are entitled by law. 

In Community Property States, a Spouse is Entitled to Life Insurance Regardless of Who is Named Beneficiary

Can a spouse override a beneficiary on a life insurance policy? Sometimes. It depends on where you live.

Most states are “equitable distribution” or “equitable property” states in which spouses who divorce are not automatically entitled to a 50-50 split of marital property. Instead, marital assets are divided “equitably,” meaning fair but not necessarily equal.

In the nine so-called “community property” states, each spouse is entitled to 50% of the marital property. This means that if an insured paid life insurance premiums with income earned during the marriage, their spouse is entitled to one-half of the death benefit regardless of who is named as the beneficiary on the policy.

The community property states in the U.S. are:

  • Arizona
  • California 
  • Idaho 
  • Louisiana 
  • Nevada
  • New Mexico
  • Texas
  • Washington 
  • Wisconsin

Alaska is called an “opt-in” state because it is an equitable property state but has a law allowing couples to choose community property rules. They do this by executing a legally-binding community property agreement or a community property trust. Couples may enter into community property agreements or trusts either before or during their marriage.

How to Exclude a Spouse as Life Insurance Beneficiary 

In community property states, spouses can execute a “property status agreement” that gives them the legal, binding ability to exclude their life insurance from marital property and effectively name someone other than their spouse as beneficiary. In this case, the spouse or former spouse of the insured will have no right to the death benefit if they are not named as beneficiary.

In equitable distribution states, a policyholder who is married can name whomever he wants as his life insurance beneficiary. However, if the insured is under court order to maintain life insurance to protect child support, spousal support or alimony, he must name his former spouse, the support obligee, as beneficiary. If he does not, his policy will likely be the subject of a beneficiary dispute in which the support obligee will likely prevail.

When it is Necessary to Keep an Ex-Spouse As Your Beneficiary

Does a Divorce Decree Override a Named Beneficiary in Life Insurance? Yes!

There are circumstances under which an insured must name their former spouse as beneficiary to their life insurance policy. This is generally done to protect spousal support or alimony, child support, or pension or retirement funds, and is ordered by a family law judge as part of the property settlement agreement during divorce proceedings. 

If the support obligor (payor) fails to maintain life insurance, the court frequently allows the support obligee (recipient) to maintain life insurance on the ex-spouse and adds the premium payment to the amount the obligor pays.

If an insured fails to comply with the court order and names someone other than the former spouse as beneficiary, the ex-spouse may have grounds for a beneficiary dispute. If you are in this position, call us:  we can help you get paid.

The Danger of Failing to Update the Beneficiary in Case of Divorce

Half of all states have “revocation-upon-divorce” statutes that automatically revoke an ex-spouse’s designation as life insurance beneficiary upon divorce. The states that have revocation-upon-divorce statutes are:

  • Alabama
  • Alaska
  • Arizona
  • Colorado
  • Florida
  • Hawaii
  • Idaho
  • Iowa
  • Massachusetts
  • Michigan
  • Minnesota
  • Montana
  • Nevada
  • New Jersey
  • New Mexico
  • New York
  • North Dakota
  • Ohio
  • Pennsylvania
  • South Carolina
  • South Dakota
  • Texas
  • Utah
  • Virginia
  • Washington
  • Wisconsin

Note that a 2018 Supreme Court decision captioned Sveen v. Melin held that it is constitutional to retroactively apply a revocation-upon-divorce statute to exclude a former spouse as beneficiary, where the insured purchased the policy four years before the statute was enacted.

When Life Insurance is Ordered to Protect Support Payments or Pension/Retirement Proceeds

In states that have automatic revocation, an insured can comply with a court order to name a support obligee as beneficiary by completing a new beneficiary designation form following the divorce redesignating the former spouse as beneficiary.

It is Important to Update Your Beneficiary Designation After Divorce

Not every state has an “automatic revocation” statute. If you live in one of those states, you should still update your life insurance to reflect your current wishes. Few divorced people want their ex to receive a windfall upon their death!

Note that a will does not supersede a beneficiary designation. Be sure to update your beneficiary designation using the procedures of your life insurance company pursuant to the laws of your state.

How to Find Out if Your Spouse or Ex-Spouse Had Life Insurance

An insured should always inform their beneficiaries that they have a life insurance policy, but if the insured failed to do so and you suspect there was a policy in effect, do the following:

  • Ask Employers & Financial Professionals 
  • Check Old Bills and Mail for Premium Payments
  • Review Tax Returns for Evidence of Premium Payments
  • Contact Your State’s Insurance Department for Information

If Your Spouse or Ex-Spouse Had a Life Insurance Policy and You are Not the Named Beneficiary, Call Us

Our life insurance lawyers have helped spouses and ex-spouses in every state get the life insurance proceeds to which they are entitled, regardless of who is named as beneficiary. We know how the law works in your state, and we can help you, too. Contact us to schedule your free consultation today.

person looking for life insurance lawyer

What is Accelerated Death Benefit (ADB) Insurance?

The top national life insurance beneficiary lawyer sets forth the definition of Accelerated Death Benefit insurance and tells us how to get an ADB claim paid.

What are Accelerated Death Benefits?

ADB is a death benefit rider attached to the insured’s life insurance policy that provides for the possibility of the insured receiving cash advances if he or she has been diagnosed with a terminal illness and is expected to die within two years. An insured will also qualify for ADB if he or she has a disease or illness that is expected to reduce his or her lifespan. For these reasons, the accelerated death benefit provision in a life insurance policy is also known as a “terminal illness benefit.” 

ADB is a type of “living insurance” because the insured can cash out part or all of the death benefit while living. Often the funds are used for medical treatment, such as an organ transplant, or hospice care, or in-home care if the insured has trouble with everyday activities.

There are life insurance policies that make an accelerated death benefit available to an insured even though ADB is not expressly provided for in the policy.

How Do Accelerated Death Benefits Work?

This type of living benefit was created in the 1980’s as a way for those diagnosed with AIDS to afford treatment and care, while retaining some death benefits for their beneficiaries.

The amount that the insured takes out is subtracted from the total death benefit, and the remainder passes to the designated beneficiaries upon the death of the insured. Some policies provide that the ADB can be borrowed from the total death benefit rather than taken from it.

How Can I Apply for an Accelerated Death Benefit?

If you have an ADB rider and you have been diagnosed with a terminal illness, you must provide proof of that diagnosis to your insurance company. If your policy does not expressly provide for ADB, your insurance company might still pay them.  Contact a life insurance beneficiary lawyer to help you.

Are Accelerated Death Benefits Taxed as Income?

No. ADB are usually tax-exempt for those who are expected to die within two years. 

ADB Example

Say a 42-year-old non-smoker named Lucy has a $800,000 life insurance policy. Lucy was diagnosed with metastasized breast cancer. She decides to accelerate half of her life insurance policy and collect that benefit herself while living to provide for continuing medical care and other assistance when that becomes necessary.

Lucy’s life insurance company reviews her claim and offers an accelerated payment of $207,000. Lucy accepts and receives a check for $207,000. Her death benefit has decreased by the amount she accelerated ($400,000) and Lucy pays lower premiums on the new face value of the policy of $400,000. Lucy does not pay income tax on the accelerated benefit.

Contact an ADB Lawyer

If you’ve been diagnosed with a terminal illness and your ADB life insurance claim was denied, contact us. We can initiate litigation or negotiate with your insurance company on your behalf and get you the money you need for treatment and care.

person writing their will

Financial ramifications of a loved one’s death

Coping with the death of a loved one can be an emotionally taxing experience. While finances may be the last thing on your mind, understanding the basics of estates, trusts, and life insurance can help to navigate these complex processes when the time comes.


A deceased individual’s estate is the sum total of his or her assets, i.e. all the property that he or she owned at death. This can take the form of real estate, bank accounts, automobiles, stocks, insurance policies, or virtually anything else of financial value.

Estates are distributed through a process called probate. Probate frequently involves the use of the deceased’s will. The executor, often a trusted friend or family member of the deceased, oversees the distribution process according to the terms of the will. The executor acts as a sort of middleman in between the deceased person and the  beneficiaries, often spouses, children, or relatives of the deceased, who are each entitled to a portion of the estate.

In the case of high-value estates, probate may become a heavily litigated process, with multiple parties claiming to be entitled to the same assets. It’s also important to note that the probate court process varies on a state-by-state basis. For instance, many states allow people with few or no assets to avoid probate (see Cal Prob Code § 13100).


A trust is an independent financial entity created when an individual (the “grantor”) puts money or assets aside to be managed, invested, and distributed by a trustee. Trusts may assign an individual or an asset management company (AMC) as trustee, and they may afford varying levels of discretion to the trustee. Some trusts specify that the trustee can distribute funds “as needed,” while others specify restricted uses or amounts at specific time intervals (see the “Spendthrift trusts” section of our previous blog post).

Because trusts are not technically “owned” by anyone, they are not counted as part of the grantor’s estate. In high-value estates (only those with values over $11.18 million as of recent tax changes), placing assets into a trust can help to minimize federal estate taxes (see our previous blog post). Trusts are also typically distributed at the discretion of the trustee, avoiding the probate process altogether.

Life insurance

In most cases, life insurance is not treated as part of the deceased’s estate or as a form of trust, but as a separate fund altogether (see our previous blog posts on probate and trusts for exceptions). With life insurance policies, the beneficiary must file a claim with the insurance company before being paid the death benefit. This typically involves 3 steps (see our previous blog post):

  • Step 1: Gather all relevant information about the policy by looking through the deceased’s records, bank statements, taxes, etc.
  • Step 2: Contact the insurance company and let them know of the insured’s death
  • Step 3: Fill out claim forms and send a certified copy of the insured’s death certificate

After completing these steps, you should be paid within 2 months. However, life insurance companies will frequently delay or deny legitimate claims in order to maximize their own profits. If you believe your claim has been unlawfully delayed or denied, don’t hesitate to contact an experienced life insurance lawyer.

Life insurance lawyers

What is a life insurance trust?

A trust is a financial entity created when an individual puts money or assets aside to be managed, invested, and distributed by a trustee. Trusts may assign an individual or an asset management company (AMC) as trustee, to which the terms of the trust may afford varying levels of discretion. Some trusts specify that the trustee can distribute funds “as needed,” while others specify restricted uses or amounts at specific time intervals (see the “Spendthrift trusts” section of our previous blog post).

Life insurance policies are typically “owned” by the policyholder, i.e. the person who applies for and pays premiums on the policy. Life insurance trusts are created when ownership of a policy is transferred from the policyholder to a trustee. Upon the insured’s death, the death benefit will be paid to the trustee and distributed to the beneficiary or beneficiaries by the trustee.

Why use a life insurance trust?

Although life insurance trusts do not typically offer advantages over personally-owned policies to the average consumer, there are a few situations in which creating a life insurance trust may be prudent.

Estate taxes

Although recent tax changes more than doubled the exemption threshold for federal estate taxes, estates worth over $11.18 million are still subject to a 40% tax rate. If the death benefit is transferred to the insured’s estate following his or her death (see our previous blog post), it may be subject to estate taxes. However, if the policy was owned by a trustee as part of a trust, it will escape taxation on the insured’s estate since it is not technically “owned” by the insured.

Control over distribution of death benefit

In a typical life insurance policy, the death benefit is transferred from the insurance company directly to the beneficiary or beneficiaries upon the insured’s death. However, life insurance trusts may afford full discretion over distribution of the death benefit to a family member or close friend as trustee, allowing them to control who gets what and when. This can be useful when children or financially irresponsible adults, who could not be trusted with the full death benefit, are named as beneficiaries to the trust. Additionally, since the trustee (rather than the beneficiary) controls the death benefit, it is protected from the beneficiary’s creditors.

hour glass

Life insurance policies: converting term life to whole life

Term life insurance policies are temporary and provide coverage for a specified period of time. Term life policies are simple: the policyholder pays regular premiums in exchange for a death benefit in the event of the insured’s death. There is no accumulated cash value, and premiums stay constant throughout the duration of the term.

If the expired term life policy included a conversion provision or rider, the policyholder can choose to convert the temporary term life policy into a whole life policy. In contrast to term life policies, which provide coverage up until the end of the term, whole life policies provide coverage for the entirety of the insured’s life or until a designated age such as 65, 75, or 100 years old. Whole life policies also accrue permanent cash value in addition to the death benefit. Since they are more valuable than term life policies, whole life policies often require substantially higher premiums.

Converting a term life policy to a whole life policy is often a simple process, and it can be beneficial on multiple levels. Conversion riders rarely require that the insured undergo a new medical exam or complete a new health questionnaire, which can be valuable if the insured developed a serious medical condition during the time that he or she was covered by the term life policy. Additionally, whole life policies specify future premium rates that are not subject to change. Even if the insured develops a terminal illness, he or she will still only need to pay the premiums listed on the policy.

However, conversion is not always the best option. Factors such as age, financial security, and health are all relevant and should be considered before converting to a whole life policy. For instance, if you are in good health and interested in taking out whole life insurance, it might be best to apply for a new policy altogether. Elderly individuals who only need to secure coverage for the next five or ten years may find that term life better meets their needs. Still, if you are happy with your current term life insurance and wish to make it permanent, conversion can be a worthwhile option.

Filing out life insurance policy

Bad faith in life insurance policies

An insurance company acts in “bad faith” when it attempts to avoid its legal obligations to clients. Insurance companies engage in bad faith when they deliberately misconstrue or fail to disclose details of exclusions, fail to investigate or respond to claims in a timely manner, or unreasonably deny claims.

When a life insurance claim is denied, life insurance attorneys often argue that the company acted in bad faith.  If a beneficiary can prove that his or her claim was denied unreasonably, juries may award punitive damages in addition to the face value of the insurance policy in question.

States each define bad faith differently and provide slightly different legal causes of action. The vast majority of states allow for claims of first-party bad faith, but state law is divided on whether to allow for third-party bad faith claims. Within the context of insurance policies, claims of first-party bad faith are brought against an insurance company by a party included in the insurance contract (e.g. a beneficiary, a policyholder, or the insured). When beneficiaries have been unlawfully denied the death benefit from a life insurance policy, they may sue the insurance company on grounds of first-party bad faith.

Third-party bad faith generally does not apply to life insurance policies since third-party claims are filed by a party absent from the insurance contract, (i.e. not a beneficiary, a policyholder, or the insured). However, claims of third-party bad faith are common with other types of insurance such as car insurance, homeowners’ insurance, and liability insurance. For instance, injured parties in automobile accidents will often sue the insurance company of the driver who caused the accident under allegations of third-party bad faith.

Life insurance policies are typically written in very broad and general terms. While many of these terms are defined in the policy, some important terms are not. Every insurer owes a duty of good faith to those it insures. The obligation of good faith includes an obligation to interpret undefined terms reasonably.  This also means that insurance companies have an obligation to their policyholders to maximize the benefits a policy provides, and that they may not injure the other party’s ability to obtain the benefits they are entitled to. If you believe that your loved one’s insurance company has acted in bad faith by unlawfully delaying or denying your claim, don’t hesitate to have an experienced life insurance lawyer evaluate your case.

cash and checkbook

How do life insurance payouts work?

If you’re the beneficiary of a life insurance policy on someone who recently passed away, you may be wondering how the payout process works. What’s the typical time frame? What’s the usual procedure for processing claims? What do you need to do?

Step 1: Gather information

The first step in claiming your loved one’s death benefit is to look through their records for information on the policy. It’s helpful to have a complete copy of the policy when filing your claim, but this is not entirely necessary. Bank statements, updates from the insurance company via mail, and tax documents can all help you gather information about the policy. Employers may also have documentation on any group life insurance policies that were purchased as part of an employee benefit plan. If nothing else, you should at least know which insurance company to contact.

If you’re not sure whether your loved one had life insurance to begin with, there are several options available (see our previous blog post). For instance, the National Association of Insurance Commissioners (NAIC) runs a “Policy Locator Service” in which the NAIC will contact insurance companies on your behalf. You can also pay private companies such as Policy Inspector to speak directly with insurers and search for a missing policy.

Step 2: Contact the life insurance company

The next step is to contact the insurance company directly and let them know that the insured has passed away. In order to locate the policy, they will need the insured’s date of birth and social security number, and/or the policy number. They will then send you claim forms and tell you which documents they need to have before processing your claim. If the policy is through an employer, contact the employer’s human resources or benefits department with the information instead of contacting the insurer.

Step 3: Fill out claim forms

The sooner you fill out the claim forms, the sooner the insurance company can process the claim. If you need the death benefit as soon as possible, you’ll want to fill out claim forms shortly after receiving them. Each insurance company has its own process for claimants, but you will always be required to send a copy of the insured’s death certificate. Insurance companies typically accept claim forms by mail or through an agent, but some also allow claims to be filed online.

Step 4: Wait for a response

Each state has its own rules for when life insurance companies need to pay their claimants. For instance, SC Code § 38-63-80 dictates that if an insurer hasn’t processed a claim within 30 days of submission of claim forms, the insurer will also have to pay interest on the death benefit. Although it doesn’t provide a strict deadline, this statute incentivizes insurance companies to pay within the initial 30-day period. Generally speaking, your claim should be processed and your benefit paid within 1-2 months after submitting claim forms. Some companies say it takes as little as 10-14 days for the average, uncontestable claim.

If your claim is approved, the insurance company will typically provide multiple options for payment. You may elect to receive the benefits all at once in a lump sum payment, or to distribute them out over time through annuities. Using an annuity system can allow the policy to collect interest, but this interest is generally taxable. A notable exception occurs on policies with spendthrift provisions, in which the insurer holds onto the benefit and distributes it via prespecified installments (see our previous blog post).

However, life insurance companies may attempt to find reasons to delay or deny your claim (see our previous blog post). This is especially common when the policy was purchased within the past 2 years. During this period, errors, misrepresentations, or omissions can void the life insurance policy altogether, and suicide is generally not covered. Within this period, insurers will frequently delay claims in order to conduct a thorough investigation of the insured’s medical records. Even outside of this two-year window, life insurance companies may deny your claim due to nonpayment of premiums (see our previous blog post) or for violations of arbitrary, overly specific provisions on the policy. If your claim has been unjustly delayed or denied, it’s prudent to contact an experienced life insurance lawyer for a free consultation.

If you or someone you know is struggling with thoughts of suicide, call the National Suicide Prevention Hotline at 1-800-273-8255 to access their national network of local crisis centers that provide free and confidential emotional support to people in suicidal crisis or emotional distress 24 hours a day, 7 days a week.

testament graphic

Why Would a Life Insurance Policy Need Probate Papers?

Does a Life Insurance Policy have to go through Probate?

Generally speaking, no.

Usually, life insurance death benefits are paid out directly from the insurer to the beneficiary or beneficiaries without going through probate. Life insurance is not part of the insured’s estate and is not subject to debt collection, payment of the insured’s bills, or taxation as inheritance.

However, there are circumstances under which the death benefit from a life insurance policy is transferred to the insured’s estate rather than to a beneficiary. Under these circumstances, the life insurance proceeds will be subject to the probate process.

Having trouble with your life insurance claim because of a vague, invalid, or out-of-date beneficiary designation? Are you an ex-spouse entitled to the life insurance death benefit? Do you think you should be the beneficiary of an employer-provided life insurance policy? Call us for your free, no-obligation case evaluation.

Are life insurance proceeds considered part of an estate?

No. Life insurance death benefits pass to beneficiaries by operation of state law, not through the insured’s estate. Keep in mind that a will does not supersede a beneficiary designation in life insurance.

Are life insurance proceeds public record? No.

How do life insurance proceeds end up in the decedent’s estate?

When is Life Insurance Part of the Estate?

When there is an invalid or out-of-date beneficiary designation, or the designated life insurance beneficiary is deceased or cannot be found, the life insurance company pays the death benefit to the estate of the insured.

What happens when life insurance goes to the estate?

When there is no beneficiary on a life insurance policy, the life insurance beneficiary rules dictate that the death benefit will be subject to the probate process.

“Probate” refers to the process by which a deceased individual’s estate is distributed. The executor uses the deceased’s will to determine who are the beneficiaries entitled to a portion of the insured’s estate. If the deceased had no will, the estate is distributed according to the state’s laws of intestacy.

Unlike the process of claiming the death benefit as a beneficiary, which is streamlined and private, the probate process varies greatly state-to-state basis and is a matter of public record. And especially in the case of high-value estates, probate can be a heavily-litigated process, with multiple parties claiming conflicting amounts of the deceased’s assets.

Is the beneficiary of life insurance responsible for debt? Can life insurance proceeds be taken by creditors?

No, and this is one of the reasons going through probate is disadvantageous even if the estate value ends up being distributed appropriately.

If the insured was in debt at the time of death, their estate will first be used to pay off any outstanding debts. When the remains of the estate is distributed to the insured’s heirs, those proceeds may be subject to estate taxes. In contrast, if a beneficiary receives the insured’s death benefit directly from the insurance company, the beneficiary will receive the full amount without debt collection or tax collection.

Many states exempt a specified amount of life insurance death benefits (e.g. up to $50,000) from debt and/or tax collection even after the death benefits are transferred to the insured’s estate, but this depends on the laws in your state.

How an Insured Can Avoid Leaving the Death Benefit to Their Estate

It is in everyone’s best interests that an insured keep their beneficiary designations as up-to-date as possible to avoid probate, debt collection, creating a public record, and possible estate tax.

Designating multiple life insurance beneficiaries such as more than one primary beneficiary or a secondary or contingent beneficiary can provide an effective safeguard in case something happens to a primary beneficiary.

National Beneficiary Lawyer to Help You With Your Life Insurance Claim

Unfortunately, when there is a vague, invalid, or out-of-date beneficiary designation, or if the named beneficiary is deceased, there is frequently litigation over who is rightfully entitled to the policy’s death benefit. This litigation is called a life insurance beneficiary dispute. If the court determines that none of the litigants are rightful beneficiaries, the death benefit goes to the insured’s estate.

If you believe your life insurance claim has been wrongfully denied or that you are entitled to a death benefit that seems to be going to the estate instead, you need the advice of an experienced life insurance beneficiary lawyer. Call us – we get our clients paid!


Do you pay taxes on life insurance benefits?

Life insurance is typically taken out to provide a secure, guaranteed pool of funds for a loved one in the event of the policyholder’s death, often used to compensate for funeral expenses and loss of income. When the beneficiary files a claim, he or she might be emotionally distraught and in desperate need of income. The last thing they’re going to want to do is think about taxes. Fortunately, the death benefit from a life insurance policy is not taxable in the vast majority of cases. However, there are several possible exceptions to this rule:

Taxes on Accrued Interest

While many life insurance policies distribute death benefits in one lump sum, some distribute death benefits via a series of regular (most likely annual) installments to the beneficiary or beneficiaries. If the principal death benefit is $100,000, paid over 10 years at a rate of $10,000 per annum, the amount left with the life insurance company each year may accrue interest. In this case, the $100,000 principal would remain untaxed, but any growth from interest would be taxable.

The Estate Tax

Additionally, if the beneficiary is not locatable and/or deceased (see our article: What happens to the benefits for a life insurance policy when the beneficiary is deceased?), the death benefit will usually be added to the policyholder’s estate. In the rare event that the policyholder’s total estate value exceeds $5,430,000, the excess amount will be taxed. At the federal level, this tax will most likely be at a rate of 40%. For example, let’s say John named his wife Susan as beneficiary on his life insurance policy, but Susan passed away a year prior to John’s death. Now John is deceased, so the death benefit from his policy is added to his estate value. His estate (including the death benefit) is valued at $10 million, so he pays 40% of ($10,000,000-5,430,000), which results in a tax of $1,828,000. John’s relatives are left with an amount of $8,172,000.

Estates less than $5.43 million are not taxed by the federal government, but state-by-state estate taxes are highly variable. Some states may tax the benefit, any accrued interest, or some combination thereof. Reassuringly, most states do not tax the actual policy value.

These are unusual and highly specific circumstances, that do not affect the vast majority of life insurance payouts. However, just because your death benefit is safeguarded from federal taxes does not mean that it’s guaranteed. Life insurance companies will often find ways to delay or deny your claim, as they are financially motivated to hold onto your benefits. If you believe that your claim has been wrongfully denied, it’s in your best interest to contact an experienced life insurance lawyer.





NOTHING IN THIS POST SHOULD BE TAKEN AS LEGAL OR TAX ADVICE.  DO NOT RELY OR ACT ON THIS POST AS LEGAL OR TAX ADVICE. WE ARE NOT TAX LAWYERS.  IT IS INTENDED TO BE INFORMATIVE ONLY.  If you have further questions or would like legal advice, please feel free to contact The Boonswang Law Firm at (855) 865-4335.

Quick Tips for Buying Life Insurance (video)

The terms of your policy could be life-altering for your loved ones.

Insurance is something of a mystery to many of us.  What are the different kinds of coverage out there?  How much coverage do you need?

This video gives a few good rules of thumb:

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