Life Insurance Lawyer Serving Missouri

The Life Insurance Law Firm – Boonswang Law










    Trust the Experienced Missouri Life Insurance Lawyers at Boonswang Law

    Call Boonswang Law Today to Discuss Your Claim with a Missouri Life Insurance Lawyer  

    We have helped people throughout Missouri fight the life insurance companies and get the life insurance payouts their loved ones intended.

    You know how life insurance is supposed to work – someone purchases a life insurance policy to ensure the financial well-being of their beneficiaries, and if they die within the policy term, their loved ones receive the death benefit. 

    You would think that life insurance beneficiaries automatically receive the death benefit upon a policyholder’s death, but unfortunately, this is not always the case. Just like any other business, life insurance companies are motivated to make money for their shareholders. For this reason, they often deny or delay payment on valid life insurance claims. 

    If you feel your life insurance claim was wrongly denied or payment is being delayed, the MO life insurance lawyers at Boonswang Law can help you fight back and get your payout.

    Boonswang Law Has Helped Life Insurance Beneficiaries from these Missouri Cities and the Surrounding Areas:

    • Kansas City

    • St. Louis

    • Springfield

    • Columbia

    • Independence

    • Lee’s Summit

    • O’Fallon

    • St. Joseph

    • St. Charles

    • St. Peters

    • Blue Springs

    • Florissant

    • Joplin

    • Chesterfield

    • Jefferson City

    Common Reasons Life Insurance Companies Deny Claims in Missouri 

    The Policyholder Allegedly Misrepresented Themselves

    Policyholders who are at greater risk of dying during the policy term pay higher premiums than those who are less at risk. The life insurance company calculates that risk by factoring in things like a policyholder’s age, weight, occupation, health and medical conditions, and lifestyle habits like drinking alcohol or smoking. 

    If a policyholder omits information or makes a mistake on the initial application for life insurance or the medical questionnaire, the life insurance company will allege that they misrepresented themselves in order to get a lower premium payment and then deny your claim.

    Call us if your claim was denied due to misrepresentation. In many cases, we can settle with the insurance company for an amount that is the death benefit minus what the policyholder would have paid in premiums had the mistake or omission not occurred.

    Nonpayment of Life Insurance Premiums

    Life insurance companies provide coverage in exchange for policyholders’ premium payments. If a policyholder does not remit payment, coverage may lapse and terminate. 

    Every state regulates the termination of life insurance coverage, and often life insurance companies and employers who provide group life insurance coverage to employees fail to follow those regulations, resulting in nonpayment of premiums that is not the fault of the policyholder. 

    If your claim was denied due to lapse, we may be able to get you paid. Call us to discuss your claim. 

    An Exclusion Allegedly Applies to the Cause of Death

    Life insurance policies list causes of death that are not covered which are called “exclusions.” For example, suicide and death due to terorism or acts of war are common exclusions in life insurance policies. 

    If there is even a remote possibility an exclusion can apply to a policyholder’s death, know that the life insurance company will use it to deny your claim. In these cases, we investigate and can often show that the exclusion does not apply, and we get our beneficiary clients paid.

    The Policyholder Dies Overseas

    When a policyholder dies overseas, life insurance companies generally delay payment on claims for death benefits because of a delay in receiving a death certificate, or because a foreign death certificate contains insufficient information regarding the policyholder’s death

    If the life insurance company is delaying payment on your life insurance claim for this reason, contact us. We can help – and the life insurance company may owe you interest!

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    What You Should Expect Working with an Missouri Life Insurance Lawyer at Boonswang Law

    It is likely you have never worked with a life insurance lawyer before. Here’s what we do for our beneficiary clients, among other things:

    • Review policy terms and provisions to determine coverage and exclusions
    • Review the denial letter and any other correspondence from the life insurance company 
    • Investigate claims made by the life insurance company to refute those claims
    • Negotiate with the life insurance company to get you a payout 
    • Litigate your claim in court when the life insurance company is acting unreasonably or dishonestly in delaying or denying the payment of your valid life insurance claim

    Life insurance companies have a team of experts, consultants, and lawyers all looking out for the companies’ profit margins. The more premiums a life insurance company collects and the fewer death benefit claims they pay out, the more profit they make for their shareholders. In other words, the interests of the life insurance company are at odds with yours and with the policyholder’s.

    You can count on the life insurance lawyers at Boonswang Law to fight back to get you the death benefits you were meant to receive.

    Missouri Life Insurance Claim FAQ

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

    You should contest denial of your claim. Why? Because life insurance companies frequently deny valid claims in order to make money for their shareholders. When you receive the denial letter you should also receive documents explaining how to contest the denial with the life insurance company. 

    Call us if you need to contest denial of your life insurance claim – we can help you fight back.

    Can I Do Anything About a Last-Minute Beneficiary Change?

    If you suspect a beneficiary change was made fraudulently or under duress, you can contest it. These cases are very difficult to prove, so be sure to contact an experienced life insurance beneficiary attorney for help litigating this.

    Can a Minor Be Designated as a Life Insurance Beneficiary?

    No. A minor cannot directly receive life insurance death benefits. In these cases, a court will have to appoint a conservator to administer the funds on behalf of the minor beneficiary. Unfortunately, there is little to prevent a conservator from using the funds for their own benefit.

    If a policyholder wants a minor to receive the death benefit, they should set up a trust with the minor as beneficiary of the trust, and name the trust as beneficiary of the life insurance policy. This way, they can select who will act as trustee.

    The Life Insurance Policy Lapsed, Can I Still Get a Payout?

    Perhaps, if you contest the denial. If the lapse was not the fault of the policyholder, it is possible to still get a payout if, for example, an employer failed to give the policyholder conversion papers or improperly administered the policy, or the life insurance company failed to send the policyholder any of the lapse notices that are required under the law.

    Call our MO life insurance lawyers if your life insurance claim was denied due to lapse. We will investigate and get you paid if at all possible.

    How Can I Find Out if My Loved One Purchased Life Insurance?

    If you suspect a loved one had a life insurance policy but don’t know for sure, you will have to dig around for evidence. The contents of a safe-deposit box or your loved one’s desk drawers might give you a clue.. You can also look through your loved one’s recent mail for premium notices, and look through bank account statements for evidence of premium payments.

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

    No! If the beneficiary designation was changed after the date of the policyholder’s death, that change was fraudulent. Contact an experienced life insurance beneficiary attorney immediately.

    Can a Spouse Contest a Life Insurance Policy?

    Yes, if they were supposed to be the named beneficiary for any reason and someone else was named. Contact us if you were supposed to be a beneficiary on a life insurance policy but someone else was named instead – we can help you.

    How Long Should It Take to Get a Life Insurance Payout?

    A life insurance company should pay the beneficiary within 30-60 days of the claim being submitted. 

    If this time has passed and your claim has not been paid yet, contact us. When a life insurance company unreasonably delays payment on a life insurance claim, they may owe you interest on the death benefit.

    What Happens When a Life Insurance Beneficiary Dies Before the Policyholder?

    If the primary beneficiary died before the policyholder, the life insurance company will pay the death benefit to the secondary beneficiary or the contingent beneficiary. If the policyholder did not designate secondary or contingent beneficiaries, the death benefit can be paid to the policyholder’s estate.

    What Happens If My Life Insurance Payout is Delayed?

    If the delay is unreasonable, meaning, the life insurance company had no valid reason for waiting to pay your claim, you may be entitled to interest on the death benefit. Call us to discuss your case.

    Talk with an Experienced Missouri Life Insurance Lawyer at  Boonswang Law

    We have been helping life insurance beneficiaries throughout Missouri for decades. Our goal is to get you the death benefits you are entitled to in a timely and efficient manner. Contact us today for your free, no-obligation consultation. We are ready to fight for you!

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









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