Michigan Life Insurance Lawyers

The Life Insurance Beneficiary Firm

    Our Experienced Michigan Life Insurance Lawyers Are Ready to Help You Get Your Life Insurance Claim Paid

    Contact Boonswang Law For Your Free, No-Obligation Consultation With a Michigan Life Insurance Lawyer

    Our team of experienced life insurance lawyers has helped people throughout the state of Michigan file their claim for life insurance death benefits and fight against life insurance claim denial. 

    Life insurance companies often deny claims for any remotely possible reason because they only make money for their shareholders when they don’t pay out. Don’t take no for an answer! Let us help you fight back!

    Boonswang Law has helped beneficiary clients throughout Michigan get their life insurance claims paid. Our life insurance lawyers helped beneficiaries throughout Michigan, including:

    • Detroit

    • Grand Rapids

    • Warren

    • Sterling Heights

    • Ann Arbor

    • Lansing

    • Clinton

    • Flint

    • Dearborn

    • Livonia

    • Canton

    • Macomb

    • Troy

    • Westland

    • Farmington Hills

    The Most Common Reasons Life Insurance Companies Deny Life Insurance Claims in Michigan

    Life insurance beneficiaries should just automatically receive death benefits when a policyholder dies, but this is rarely the case. Life insurance companies often unjustifiably deny claims for death benefits for the following reasons:

    The Cause of Death of the Policyholder Was Excluded from Coverage

    Take a look at the life insurance policy. You will see a list of “exclusions,” which are circumstances under which the policy will not pay out. Common exclusions include suicide and acts of war or terrorism. 

    If the circumstances of the policyholder’s death are even possibly covered in a written exclusion, the life insurance company will deny your claim – even if upon further investigation it shows that the death was not excluded from coverage. If your life insurance claim was denied due to an exclusion, give us a call. A MI life insurance lawyer can help you get your payout.

    The Life Insurance Policy Lapsed or Terminated

    A policyholder must pay a premium each month to maintain life insurance coverage. If the premium payments are not made, life insurance coverage will lapse. The life insurance will deny any claims for death benefits on a lapsed policy.

    Again, don’t take no for an answer! When we investigate these cases, we often find that the lapse was not the fault of the policyholder. In some cases, the policyholder’s employer failed to give or process the forms to convert group coverage to an individual life insurance policy. In others, the life insurance company failed to send legally-required notices to the policyholder. And in some cases, the policyholder was eligible for a disability waiver of premium and did not get that.

    If your claim was denied due to policy lapse, call us. We will investigate and find out if the lapse was the fault of the policyholder. If it was not, you may still get paid.

    Insufficient Proof of Death of the Policyholder

    Life insurance companies typically accept proof of death in the form of a certified death certificate, a published obituary, or a bill from a funeral home. However, if the policyholder died while traveling overseas, you will have only foreign documents showing death. Sometimes these documents do not have enough information to prove death to the satisfaction of the life insurance company. If your claim has been denied for this reason, contact us – we can help you

    The Policyholder Allegedly Misrepresented Themselves 

    People with health conditions, who are older, and who indulge in lifestyle habits such as drinking or smoking will pay higher premiums than those who aren’t and don’t. For this reason, life insurance companies are allowed to deny claims when they discover that the policyholder allegedly misrepresented themselves on the initial application and medical questionnaire. This is a public policy intended to deter people from lying about these things just to get a lower premium payment.

    For this reason, if a policyholder makes an innocent mistake on these documents, the life insurance company will deny your claim for death benefits due to alleged misrepresentation. 

    We are often able to show that the alleged  misrepresentation was not made with intent to defraud, and we got our clients paid. If your claim was denied due to alleged misrepresentation, give us a call.


    What to Expect When You Retain an Experienced Michigan Life Insurance Lawyer

    By hiring the MI life insurance lawyers at Boonswang Law, you will reap these and other benefits:

    Remember, we take life insurance cases on a contingency basis, which means we do not get paid unless you do. Besides there being no out-of-pocket cost to you, here are some of the many ways we can and will assist you with your claim:

    • We take life insurance cases on contingency, meaning, we don’t get paid unless you do
    • There are no out-of-pocket expenses when you retain Boonswang Law
    • We handle all communication with the life insurance company, so you don’t have to
    • We apprise you of developments in your case
    • We answer your correspondence quickly and in full
    • We fully investigate the cause of death of the policyholder
    • We determine whether the denial reason used actually applies

    Just to make a profit for their shareholders, life insurance companies will cite any possibly-applicable reason to delay or deny your claim for death benefits. Many valid life insurance claims are denied or payout is delayed, unfairly! We will help you fight back and get paid.

    Common Questions About Life Insurance Claims in MI

    What Happens When the Life Insurance Beneficiary is Dead?

    If the designated beneficiary died before the policyholder and the policyholder did not name contingent or secondary beneficiaries, the death benefits will be paid to the policyholder’s estate. 

    This means that the death benefit will be subject to the claims of the policyholder’s creditors. To avoid this, policyholders should keep their beneficiary designations up-to-date and be sure to name contingent beneficiaries.

    How Can I Find Out If Someone Who Recently Died Had Life Insurance?

    There is no database listing everyone who has life insurance. However, you can investigate on your own. Try asking the policyholder’s employer about group life insurance coverage. Also look through the policyholder’s important papers for documents relating to a life insurance policy, and review their bank statements for evidence of life insurance premiums payments.

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

    A life insurance company will typically take 30-60 days to process and pay a claim for death benefits. If you work with an MI life insurance lawyer from the start, your lawyer can ensure that your claim is filed timely and correctly and that the process goes as smoothly as possible.

    More than 60 Days Have Passed Since I Filed My Claim and I Still Have Not Been Paid, What Should I Do?

    It sounds like your claim is being delayed unreasonably, and in that case, the life insurance company may owe you interest on the death benefit. Give us a call – we can help you get paid.

    My Life Insurance Claim Was Denied, What Should I Do?

    You can contest the claim denial. Be sure to review the letter of explanation the life insurance sends you. It will set forth the reason they denied your claim. If you need help, call us. In many cases, we have found that the reason cited does not apply.

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

    You should contest the denial, because it might be possible to get a payout after all. Call us – we will investigate and help you discover and assess the circumstances causing coverage to lapse. If the lapse was not the fault of the policyholder, you may still receive the death benefit.

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

    A minor cannot directly 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 appoint someone to administer the funds for the minor child.

    My Life Insurance Claim was Denied Due to “Misrepresentation” But That Seems Unlikely. What Can I Do?

    Contest the denial, and call us for help. Our MI life insurance lawyers thoroughly investigate each and every misrepresentation case, and we very often find that even if an error was made, the policyholder had no intent to deceive the life insurance company. We have gotten many payouts for our clients under these circumstances.

    The Beneficiary Designation Was Changed At the Last Minute, Should I File a Beneficiary Dispute?

    If you believe that the beneficiary 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.

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

    No. If there are any forms that show a beneficiary change after the date of the insured’s death, they are fraudulent. Contact Boonswang Law immediately if you suspect someone is trying to scam you out of the death benefits you should be getting.

    Can a Spouse or Former Spouse Contest a Life Insurance Beneficiary Designation?

    Yes, if they have reason to do so. Whether a former spouse or the current spouse is the beneficiary despite someone else being designated as such depends upon state law, and those laws vary greatly state-to-state. An experienced MI life insurance lawyer can help you understand your rights as the policyholder’s spouse or former spouse.

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

    You don’t have to deal with the life insurance company alone. Don’t you have enough on your plate, with having to deal with all of the emotional and legal issues surrounding the death of a loved one?

    Don’t let the life insurance claim process overwhelm you. Call us for help. We have helped many Michigan life insurance beneficiaries get the death benefits their loved one intended that they receive. Call Boonswang Law today at (855) 865-4335 for your free, no-obligation case review.

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

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