At McLaurin Law, we help clients in Texas who are filing life insurance claims or seeking to appeal a life insurance claim denial.
Houston, Texas
Life Insurance Claims Lawyer
”“McLaurin Law pays attention to their clients and works around their clients’ needs. They took time to hear the case with patience and provided us assurance and comfort to handle the case quickly and properly. They kept communicating with us and provided updates in a timely manner. Would recommend!”
- Sunita Raj
How Life Insurance Claims Work in Texas
Knowing that your loved one had life insurance can take some of the burden and stress of their death off your shoulders. However, when a life insurance company refuses to pay out the policy as you’d anticipated, you may feel even more overwhelmed. An experienced Texas life insurance claims lawyer can help.
Life insurance companies have a duty to uphold the terms in their policies. Especially given the circumstances of a life insurance claim, they should not make claimants jump through unnecessary hoops to seek the funds indicated in the policy. It is also especially egregious behavior to deny life insurance claims in bad faith, and we sue insurance companies that seek to avoid honoring valid claims.
If you are dealing with a life insurance company that refuses to pay out your loved one’s policy, we can help. Our life insurance attorney team can appeal this claim denial on your behalf, giving you time and space to grieve and address the areas of your life impacted by the loss of your loved one.
Common Reasons for Life Insurance Claim Denials in Texas
Here are a few reasons your insurer may state when it denies claims for a life insurance policy’s death benefits:
- The insured or the policyholder lied about something in the policy application or claim
- The policyholder had a lapse in their premium payments
- The insurance company found mistakes in the beneficiary information
- The policyholder failed to name a beneficiary
- The insurance company found errors in the insured’s medical history
Schedule a strategy session with our experienced legal team if your life insurance policy claim has been denied in Houston, Texas.
What to Do If a Life Insurance Company Denies Your Claim for Death Benefits in Texas
Receiving a claim denial letter from your life insurance company can be disheartening. The first step you should take if your claim is denied is to contact a skilled attorney.
- Schedule a strategy session with our team to review your case details. After reviewing your policy and gathering additional information to further support your claim, we may be able to appeal your claim denial.
- Then we will gather evidence to support your life insurance claim and show that the denial was unwarranted. After appealing the claim, we will wait for a response from the insurance company.
- If the insurer denies your life insurance benefits a second time, you may need to initiate a lawsuit. It is possible your insurer may have failed to properly investigate your claim within a reasonable time, or perhaps they wrongfully denied your claim on a false basis. These are all grounds for a bad faith insurance lawsuit.
- We can help you determine whether the insurance company acted in bad faith. If so, we can help you file a lawsuit, gather additional evidence to support your case, and represent you in court.
Why Choose McLaurin Law
Since 2017, McLaurin Law has served hundreds of Texas clients with a focus on commercial, insurance, and personal injury law. We offer 24/7 availability and 30-minute initial strategy sessions.
Our firm is led by Jason C. McLaurin, who provides a distinct “Insider Advantage.” Having worked for insurance companies, he uses that industry knowledge to counter denied or undervalued claims.
While we handle complex litigation like maritime liabilities and road accidents, our true difference lies in our relentless advocacy. We serve Houston, Sugar Land, Baytown, Katy, and Pearland, taking the stress off your shoulders by leading you through every step of the legal process. Our team understands the tactics insurers use, and we leverage that experience to ensure you receive the maximum compensation possible with as little frustration as possible.
Frequently Asked Questions
How Long Do Insurers Have To Evaluate The Validity of a New Life Insurance Policy in Texas?
Texas life insurance policies include a two-year “contestability period.” During these first two years, an insurer can investigate your application for material misrepresentations and potentially deny a claim. If the policy lapses and is later reinstated, this two-year clock typically resets. Once a policy has been active for at least two years, it becomes “incontestable,” meaning the company generally must pay the death benefit regardless of any errors found in the original application, barring cases of extreme fraud.
How Much Compensation Can You Seek in a Texas Life Insurance Lawsuit?
If a claim is wrongfully denied, you can sue for the full policy benefit plus “extra-contractual” damages. Under the Texas Insurance Code, if an insurer knowingly acts in bad faith, you may be eligible for treble damages—up to three times the policy’s value. Additionally, the Texas Prompt Payment of Claims Act may entitle you to an 18% annual interest penalty on the delayed funds, plus coverage for your attorney’s fees and court costs. We help you identify every available damage type to maximize your family’s recovery.
How Can a Texas Life Insurance Claims Attorney Assist You?
An experienced lawyer levels the playing field by handling all strategic communication and legal filings while you focus on your family. We perform a comprehensive review of your policy to determine if the insurer’s denial violates Texas law. Our team manages the entire appeals process, from gathering medical evidence to countering “material misrepresentation” allegations. If the insurer refuses to settle fairly, we are prepared to litigate. We aim to take the legal burden off your shoulders during an already difficult time.
McLaurin Law — When you need more than luck on your side
Contact our life insurance claims team at McLaurin Law today to schedule your strategy session.
