Life Insurance Lawyer in New Jersey

Get Results, Not Excuses

✓ No Fee Unless We Win
✓ Free Case Evaluation
✓ Nationwide Representation

Life Insurance Claim Denied? We Fight to Get You Paid.

Losing someone you love is hard enough. You shouldn’t have to deal with a delayed or denied life insurance claim on top of it. A New Jersey life insurance attorney can help move your claim forward and take the pressure off of you.

Insurance companies often rely on policy language or application details to justify nonpayment, but those reasons don’t always hold up. For 20+ years, Boonswang Law’s life insurance lawyers have challenged denied claims, ERISA decisions, AD&D denials, and TSGLI disputes.

We’ve recovered tens of millions for clients in New Jersey and nationwide including New York, Florida, South Carolina and California.

If your claim has been denied or delayed, we’re ready to fight for the full amount you were promised.

“I couldn’t have asked for a better advocate.”

Hear From The Clients We’ve Fought For

“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.”

Not All Denials Are Legitimate. Here’s What to Know

Life insurance companies in New Jersey and across the U.S. deny life insurance claims for many different reasons. Some involve valid coverage issues, while others stem from aggressive interpretations of policy terms or claim handling.

Common Reasons Claims Are Denied

Inaccurate or incomplete application information
Lapsed coverage due to missed premiums
Suicide or self-inflicted injury exclusions
Beneficiary disputes
Contestability period reviews

When a Denial May Involve Bad Faith

Unexplained or unreasonable delays
Misstating or misapplying policy terms
Ignoring medical evidence
Rescinding coverage after a claim is filed

Whether your claim involves a standard dispute or potential bad faith, our life insurance attorneys can evaluate your case and pursue the full benefit owed.

No Matter the Dispute, We’re Ready to Take It On

A denial isn’t the final word. Our life insurance lawyers know how to push back against insurance companies and pursue the full benefit you’re entitled to. We’re focused on helping clients get paid.

We handle a wide range of life insurance disputes for clients across New Jersey, including:

Denied Life Insurance Claims

Delayed Death Benefit Payments

Lapsed Policy Disputes

Alleged Misrepresentation on Applications

ERISA Group Life Insurance Claims

Accidental Death (AD&D) Denials

Beneficiary Disputes

Employer Notice Failures

If your situation isn’t listed, you may still have a case. Many denied claims involve multiple issues. Let’s talk through your options.

Recent Payouts We’ve Secured for Clients

$1.25M

ING Insurance Company

$1M

New York Life Insurance Company

$780K

AIG American General Life Insurance Co.

How We Take On Insurance Companies and Win

Most life insurance claims are straightforward, with payment issued shortly after the claim is submitted. When a claim is delayed or denied, it becomes a legal issue that requires a clear strategy.

Here’s how we move your case forward:

Review the Denial

We analyze the policy, claim file, and denial letter to identify errors and weaknesses.

Build the Appeal

We prepare a comprehensive appeal supported by medical records, documentation, and legal arguments.

Pursue Payment

We negotiate with the insurer and, when necessary, file suit to recover your benefits.

Life insurance appeals have strict deadlines, so acting early helps protect your rights.

You Pay Nothing Unless We Win

We handle life insurance disputes on a contingency basis. That means no upfront costs and no hourly billing. You only pay if we recover benefits for you.

If your claim has been denied or delayed, there’s no risk in having our attorneys review your case.

Insurance Companies Protect Themselves, We Protect You

After a loss, you shouldn’t have to deal with pushback from an insurance company. If your life insurance claim is denied or delayed, we step in and take over.

We handle the process from start to finish, including:

Reviewing your policy to confirm what’s owed
Breaking down the denial and identifying weak points
Analyzing applications, medical records, and claim documents
Gathering additional evidence to strengthen your case
Managing all communication with the insurer
Preparing and submitting a detailed appeal
Pursuing full payment through negotiation or litigation

Insurance companies focus on limiting payouts. We focus on getting you paid.

Fighting For Beneficiaries Across California

Brick
Camden
Cherry Hill
Clifton
Edison
Elizabeth
Hamilton Township
Jersey City
Lakewood
Newark
Passaic
Paterson
Toms River
Trenton
Woodbridge

Denied Life Insurance Claim? You Can Still Take Action

A denied or delayed life insurance claim doesn’t have to be the end. Our attorneys have secured tens of millions for clients across New Jersey and nationwide.

There’s no cost unless we win your case.

Questions You Might Be Asking Right Now

Yes. Divorce, remarriage, or outdated beneficiary designations can create conflicts over who is entitled to the benefit. If an ex-spouse or another party is claiming the payout, a life insurance attorney can help assert and protect your rights.

Sometimes. Certain policies include grace periods, disability waivers, or other provisions that may keep coverage active. A lapse does not automatically mean the claim is invalid.

Yes. If a beneficiary change was made due to pressure, fraud, or diminished mental capacity, it may be challenged and potentially overturned.

No. Beneficiary designations must be finalized while the policyholder is alive. Any changes made after death should be viewed with suspicion and reviewed immediately.