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Life Insurance

Texas Claim Denial Attorney

When you are struggling to deal with the death of a loved one, one of the last things you want to do is fight with the life insurance company over a life insurance benefit. Your deceased loved one purchased life insurance to protect you or for your benefit in the event of his or her death. If the insurance company is delaying payment or has denied your claim, it is important to consult an experienced life insurance lawyer early on to learn about your rights and your options.

At our law firm, we have been handling life insurance claim disputes for over twenty-five (25) years. Life insurance companies all too frequently refuse to pay life insurance claims, hoping that the beneficiaries will not pursue the matter or take some reduced payment to avoid conflict. Again, this is part of the insurance industry’s business model of no fear of consequences. Thus, you should not give up because the life insurance claims department has treated you poorly or refused to pay. Our law firm can assist you in recovering the benefits your loved one wanted you to have and that you are entitled to.

Reasons for Life Insurance Claim Denials

People often come to our firm after having their life insurance claims denied for:

  • Undisclosed and pre-existing medical conditions where the insurer says they would not have written the policy had the conditions been disclosed
  • Behavior that causes the death of the insured which excuses payment
  • Claims that were filed too late
  • Change of a beneficiary(s) at a time suspiciously close to the decedent’s death
  • Claims that the policy was cancelled for nonpayment of premium
  • Claim forms that were incorrectly completed
  • Questions about an insured's competency
  • Questions about the actual cause of death
  • Dispute about who are the beneficiaries

These situations can represent insurance bad faith and entitle you to additional damages over and above the stated life insurance benefit. Life insurance companies have a legal duty to provide benefits to named beneficiaries timely and in accordance with Texas law. When insurers refuse, their decisions can often be successfully challenged, forcing the insurer to pay not only the amount of the benefit due but additional damages, including penalties, interest and attorney’s fees.

Low-Ball Offers

In addition to denying claims, life insurance companies sometime make an offer that is lower than the life insurance benefit provided by the policy to discourage litigation and force a beneficiary to accept a discounted policy payment. But whether bad faith exists or not, our task is to make the life insurer pay a covered loss as they promised to do in the life insurance policy. Whether your claim was denied or you received a low-ball offer, it is important to contact a lawyer to evaluate your claim and any discounted payment offered.

Make the Life Insurer Accountable – Why You Should Hire A Lawyer

Whether you hire the Law Office of Mark A. Ticer or another lawyer, you should consult with a licensed Texas lawyer experienced in life insurance matters to evaluate and pursue your claim and make the life insurer pay not only the benefit amount but all legal interest, penalties and other damages. The Law Office of Mark A. Ticer is experienced and knowledgeable in dealing with life insurance claims and matters including all damages provided by the life insurance policy and Texas law.

Contact our Dallas law firm to discuss your case free of charge. We handle matters related to life insurance claims denials and issues throughout the State of Texas.