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 […]
While almost any life insurance policyholder has the power to change their beneficiary designation at any time, a last-minute beneficiary change may indicate fraud, duress, or lack of competence. That […]
This article will explain the common ways in which life insurance companies underpay valid beneficiary claims for death benefits and the reasons why. If your claim is denied for a […]
The short answer is yes, a life insurance claim may be denied due to drug use, but you can fight it! Whether your denied claim for death benefits can be […]
Strict and complex state and federal laws govern employer-provided life insurance. Despite heavy regulation, the claims of beneficiaries of group life insurance are often improperly denied. Having represented thousands of […]
Life Insurance Misrepresentation defined by a national life insurance beneficiary attorney. Material misrepresentation is an untrue statement or omission that affects an insurer’s decision whether to issue a life 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 […]
If you are the beneficiary of a life insurance policy, and your life insurance claim was denied in COVID-related death, don’t take no for an answer. The life insurance attorneys […]
Can the life insurance company deny your claim because the insured used alcohol? The short answer is yes, claims for death benefits are frequently denied unfairly when alcohol is involved. […]
Unfortunately, one of the most common reasons insurance companies refuse to pay a life insurance claim is because the insured smoked, but did not disclose their past or current smoking […]
Here’s an explanation of the most common reasons a life insurance company refuses to pay a claim, how you can prevent your beneficiaries’ claims from being denied, and what to […]
How Does Life Insurance Work in New York State? If you are the owner or a beneficiary of a life insurance policy issued in New York State, this guide will […]
If your loved one died of COVID-19, and you are the named beneficiary of his or her life insurance policy, read this guide for problems to look out for and […]
The Boonswang Law Firm is pleased to announce that Chad Boonswang has been named one of America’s most honored lawyers of 2020. As one Ameirca’s most honored lawyers of the […]
How Does Life Insurance Work in Florida? If you are the owner or a beneficiary of a life insurance policy issued in the State of Florida, this guide will provide […]
If you or someone close to you contracted the coronavirus, filed an AD&D claim, and the insurer denied your claim, call us. If there is a way to get your […]
Chad Boonswang: Voted Top Rated Lawyer in 2020 The Boonswang Law Firm is pleased to announce that Chad Boonswang has been recognized as one of the top rated attorneys of […]
Life Insurance Beneficiary Lawyer to Help You If Your Life Insurance Claim is Denied due to COVID-19, the disease caused by the Coronavirus We are in the middle of a […]
What is an AD&D policy? Typically accidental death and dismemberment insurance (AD&D) is available as a rider to a life insurance policy or a health insurance policy. An AD&D rider […]
The answer is, maybe. Most life insurance policies contain a “war exclusion” clause, which specifically excludes coverage for acts of war like: Terrorism Revolution Military coup Insurrection Invasion Have you […]
Recently there has been a lot of successful litigation by beneficiaries of group life insurance policies provided by employers. In these cases, the insured either retired, quit, or was fired, […]
Sound familiar? It happens more often than one would think. If this happens to you or someone you love, don’t feel powerless – there is something you can do about […]
If a life insurance company is delaying payment of your claim, you may be owed interest. When an insurance company denies or delays your claim, they can continue investing the […]
If you are the owner or beneficiary of a life insurance policy issued in Texas, it is important to understand your rights under the policy as well as the specific […]
What happens when multiple people claim they each are entitled to life insurance benefits after the death of the insured? How does an insurance company determine who is entitled to […]
Lapse is one of the most common reasons life insurance claims are denied. When a life insurance policy “lapses,” it means that the policyholder or designated payor has not paid […]
What to do when an applicant for an individual health policy failed to complete the application properly What happens when a life insurance application contains bad information? Wrong or false […]
Will a life insurance policy pay out for suicidal death? Perhaps. Whether a beneficiary can collect life insurance if the insured kills themselves will depend upon the timing of the […]
Do insurance companies cover felons and convicts? Can you get life insurance if you are a felon? Can you get life insurance with a criminal record? When deciding whether to […]
What happens to life insurance when you leave a job? Does your employer end coverage when employment is terminated? Not necessarily and not without notice. Read on to find out […]
What does it mean for a policy to lapse? When a life insurance policy “lapses,” it means that the policyholder or designated payor has not paid one or more required […]
Will insurance companies pay a life insurance claim for a death caused by drug overdose? It may, depending upon the circumstances of the death. If the insured died of a […]
Life Insurance Retained Asset Accounts Explained Retained Asset Accounts, also known as RAAs, are tools created by life insurance companies as an alternative to paying out a lump sum. You […]
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, […]
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 […]
Yes. An insured should always name multiple beneficiaries on a life insurance policy. Why do you need more than one beneficiary on your life insurance policy? Read on to find […]
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 […]
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 […]
You may find yourself in a situation with your life insurance not paying out. A life insurance company can refuse to pay a claim for many reasons. What are the […]
Can Life Insurance Companies Deny a Claim? At first glance, life insurance seems like a fairly simple process. The policyholder applies for insurance with a specified death benefit, and, after […]
When someone purchases life insurance, he or she must have an “insurable interest” in the insured. This means that the policyholder, i.e. the person who owns the policy and names […]
Can a Life Insurance Beneficiary Designation Be Contested? Yes, you can contest a life insurance beneficiary designation and you may be able to sue for life insurance proceeds. Common reasons […]
California Beneficiary Laws For the most part, the process of naming beneficiaries to a life insurance policy is the same across all states. In fact, unless prohibited to do so […]
Life Insurance Companies May Not Contact Beneficiaries After facing a loved one’s death, life insurance can help provide necessary financial security to pay for funeral expenses and supplement lost income. […]
Ideally, the death benefit on a life insurance policy is paid directly from the insurance company to the named beneficiary or beneficiaries. However, disputes frequently arise over who is rightfully […]
Waiting for a claim to be paid out can be a frustrating process. Generally speaking, claims should be processed and paid out within a month, but this is often not […]
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 […]
When taking out a life insurance policy, the policyholder aims to provide an extra layer of financial security and peace of mind for his or her loved ones. However, since […]
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 […]
What is a Spendthrift Clause in a Life Insurance Policy? Let’s start with defining a Spendthrift Trust Provision A “spendthrift trust” is a form of trust meant to protect the […]
If all goes well and all documentation is in order, insurance companies should pay out on claims promptly. In most cases, the time from which the death certificate and necessary […]
Is the life insurance beneficiary deceased? What happens if the life insurance beneficiary dies first? A busy national life insurance attorney will explain what happens if the beneficiary of a […]
In short, the beneficiaries’ claims are more likely to be denied. A life insurance company is contractually obligated to pay the specified death benefit regardless of when the loved one […]
If there was a lapse in coverage, your claim will be denied. But don’t take no for an answer! Our life insurance attorneys have gotten many clients paid on lapsed […]
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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 […]
Boonswang Law Rated with Avvo’s Highest Score We are proud to congratulate our founder, Chad G. Boonswang, for receiving a perfect rating by our clients in 2015. Mr. Boonswang’s rating […]
Our very own Chad Boonswang has been recognized with the highest rating offered by avvo.com. Avvo.com is considered to be one of the preeminent […]
Unfortunately, it’s a common occurrence to find yourself in a situation where life insurance is not paying out. While this most commonly happens during the contestability period, denial do occur […]
