Arizona Life Insurance Lawyers

The Life Insurance Beneficiary Firm










    Boonswang Law Has a Team of Experienced Arizona Life Insurance Laws Who Are Ready to Work For You

    Contact an Arizona Life Insurance Lawyer at Boonswang Law For a Free Consultation

    Our team of experienced life insurance lawyers has helped people throughout Arizona get the life insurance benefits that their loved one intended. Life insurance companies only make money for their shareholders when they deny or delay claims – sometimes legitimate claims! You can fight back. We can help.

    Boonswang Law has served beneficiary clients throughout Arizona with a dedicated team of life insurance lawyers. We’ve helped life insurance beneficiaries who live in and near the following cities in Arizona:

    • Phoenix

    • Tucson

    • Mesa

    • Chandler

    • Scottsdale

    • Gilbert

    • Tempe

    • Peoria

    • Surprise

    • San Tan Valley

    • Avendale

    • Goodyear

    • Flagstaff

    • Glendale

    • Yuma

    Common Denial Tactics Life Insurance Companies Use in Arizona

    Life insurance beneficiaries should automatically receive death benefits when the policyholder dies. This is rarely the case. Life insurance companies frequently use the following tactics to initially deny beneficiaries’ claims for death benefits, often unjustifiably upon investigation.

    Insufficient Proof of Death

    All life insurance companies require official proof of the death of the policyholder in order to process a beneficiary’s claim. Life insurance companies typically accept proof of death in the form of a certified death certificate, an obituary, or a bill from the funeral home. However, if the policyholder died overseas, sometimes foreign documents are not enough to prove death. If your claim has been denied for this reason, contact us – we can help you.

    Lapse or Termination of the Life Insurance Policy

    A policyholder must pay a premium each month in order to maintain life insurance coverage. If premiums are not paid for any reason, life insurance coverage will lapse, resulting in the denial of any subsequent claims for death benefits. 

    Frequently, a lapse in coverage is not the fault of the policyholder. The life insurance company may not have sent the required notices, or an employer failed to give or process the forms to convert group coverage to an individual life insurance policy. If your claim was denied due to policy lapse or termination, call us. We may be able to help you get paid.

    Cause of Death Excluded from Coverage

    Every life insurance policy will list exclusions from coverage. Examples of common exclusions include suicide and acts of war or terrorism. If the policyholder’s death circumstances are excluded in the policy, the life insurance company will deny a claim for death benefits.

    If your life insurance claim was denied because an exclusion allegedly applies to the policyholder’s cause of death, give us a call. An AZ life insurance lawyer can help you understand what is excluded and what is covered in a policy, and perhaps help you get paid. 

    Alleged Misrepresentation

    If the policyholder made a mistake, even an innocent mistake, on their initial application for life insurance and medical questionnaire, the life insurance company may deny a beneficiary’s claim for death benefits due to alleged misrepresentation. They are allowed to deny these claims in order to deter people from lying about things like health conditions, lifestyle habits, or age on their applications to get lower premiums.

    Frequently we can show that the misrepresentation was not made with intent to defraud. If your claim was denied due to alleged misrepresentation, call us – we can help.

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    What to Expect When You Hire an Experienced Arizona Life Insurance Lawyer

    There are several benefits to hiring the AZ life insurance lawyers at Boonswang Law instead of trying to handle your life insurance claim on your own. Here are some of the many ways we can and will assist you with your claim:

    • We handle all correspondence and communications with the life insurance company
    • We keep you apprised of developments in your case
    • We investigate the reasons given for your claim being denied or delayed
    • We investigate the cause of death of the insured and determine whether the denial reason used applies
    • We resolve disputes over incorrect payout amounts

    Life insurance companies have incentive to cite any possibly-applicable reason to delay or deny your claim for death benefits. For this reason, many valid claims are unfairly denied or payout is unfairly delayed. We will help you fight back and get paid.

    Common Questions About Life Insurance Benefits in AZ

    How Long Does it Take to Get a Life Insurance Payout in AZ?

    It usually takes a life insurance company 30-60 days to process a life insurance claim.

    Try to file your claim as soon after the insured’s death as possible to expedite processing. Working with an AZ life insurance lawyer can ensure that your claim is filed timely and correctly and that the process goes as smoothly as possible.

    It Has Been More than 60 Days Since I Filed My Claim, What Can I Do?

    If your claim is being delayed unreasonably, the life insurance company may owe you interest. Give us a call – we can help.

    What Can I Do if My Life Insurance Claim Was Denied?

    You can and should contest the claim denial. The life insurance company will send you a letter of explanation setting forth the reason or reasons they denied your claim. In many cases, we have found that those reasons are insufficient or do not actually apply. 

    An experienced AZ life insurance lawyer can assist you in disputing a denied claim. Call us – we know how to navigate the situation to improve your chances of getting the money you deserve. 

    What Happens if a Minor is Designated as a Life Insurance Beneficiary?

    A minor cannot receive life insurance death benefits. If the policyholder did not set up a trust for the death benefit to be paid into, a court will have to step in and appoint someone to administer the funds for the minor child.

    My Life Insurance Claim was Denied Due to Misrepresentation. What Can I Do?

    You can call us for help to contest the denial. We investigate every misrepresentation case we get and often find that the policyholder had no intent to deceive. We have gotten many payouts for our clients this way.

    Can Death Benefits Be Contested If the Beneficiary Designation Was Changed Recently?

    If you suspect that the change was made fraudulently or under duress, or if the change was made in defiance of a court order, then yes, you should file a beneficiary dispute.

    My Claim Was Denied Due to Lapse. What Can I Do?

    You may still be able to get paid. It depends on the circumstances causing the lapse of the policy. If the lapse was not the fault of the policyholder, you may still receive death benefits. Examples of this include when the insured does not receive the required notices and when the insured is not given the conversion forms by their employer. 

    Every situation is different, so it’s best to talk to an experienced Arizona life insurance lawyer. Call us so that we can investigate the specific policy and circumstances in question.

    How Can I Find Out Whether Someone Had Life Insurance?

    If you think that a loved one may have had a life insurance policy, you can investigate by contacting their employer to ask about benefits, looking through their paperwork for life insurance documents, and reviewing their bank statements for evidence of life insurance premium payments.

    Can The Beneficiary on a Life Insurance Policy Be Changed After The Policy Holder’s Death?

    No. Any paperwork showing that the beneficiary has been changed after the insured’s death is fraudulent. Contact Boonswang Law immediately if you believe that someone is attempting to scam you out of the death benefits you should be getting.

    Can a Spouse Contest a Life Insurance Beneficiary Designation?

    Sometimes. When a policyholder gets divorced or remarried, whether the former spouse or the current spouse is actually the beneficiary depends upon state law, and that varies state-to-state.  An experienced life insurance lawyer can help you understand your rights as the deceased’s spouse or former spouse.

    What Happens When There Is No Beneficiary?

    If the designated beneficiary is deceased or cannot be found, the death benefits will be paid to the policyholder’s estate.

    Call the Arizona Life Insurance Lawyers at Boonswang Law Today For Help With Your Life Insurance Claim

    Dealing with a life insurance company on top of all of the emotional and legal issues surrounding the death of a loved one can be overwhelming. Know that you don’t have to go through this alone. We have helped many Arizona life insurance beneficiaries in your position get the benefits their loved one intended that they receive. Call Boonswang Law today at (855) 865-4335 for your free, no-obligation consultation.

    There Is No Cost Until We Recover Your Claim. Contact Us Today!









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