Dallas & Houston, Texas Life Insurance Claim Attorneys

People buy life insurance to provide financial security and peace of mind for their family and loved ones in the event of an unforeseen death. It is difficult enough to deal with the death of a loved one without at the same time also attempting to fight an insurance company denial of the beneficiary’s life insurance claim. Business owners also purchase life insurance to enable the surviving business owners to adequately and fairly address the surviving spouse or family members’ ownership interest in the business in order to enable the business to transition and continue its operations in the future. Contact the Dallas & Houston, Texas life insurance claims attorneys of Grisham & Kendall, PLLC today at (713) 999-5085 to schedule a free consultation.

Life Insurance Claim Delays or Denials

The following are examples of reasons given by insurance companies for denial of life insurance claims:

  • Failure to timely contest coverage under the policy
  • Dispute as to proper beneficiary
  • Misrepresentation by insured in the insurance application
  • Undisclosed medical conditions
  • Dispute concerning the cause of death

These are just a few examples. If you believe your claim for benefits under a life insurance policy have been wrongly delayed or denied, you may be entitled to recover benefits owed under the policy, attorneys’ fees, and additional damages if the insurance company is found to have denied your insurance claim in bad faith.

Frequently Asked Questions

If you are filing a life insurance claim then you are likely overwhelmed with grief in addition to your frustrations with the life insurance process. To help alleviate some of this stress, we have provided the answers to some of the common questions we hear at our office below.

Is the Insurance Company Avoiding Me?

The process of collecting life insurance can be complicated and frustrating. When the beneficiary of a plan is struggling financially, the stress of not being able to collect life insurance is particularly taxing. After the plan beneficiary files a claim, the insurance company will conduct a brief investigation. If the insurer finds everything to be compliant with the terms of the life insurance plan, they will make the money available to the family. The length of the process can vary but commonly takes about 30 to 60 days after the family files a claim with the insurance company.

If you are in the process of filing a claim, or if you have already filed and are waiting on payment, an experienced attorney can evaluate your situation and help you understand what your specific timeline should look like. If you have been waiting for an extended period of time for the insurance company to release your loved one’s life insurance payment, contact a lawyer. A skilled lawyer can expedite the process and help you get the payment that you need to support yourself.

How Can I Expedite the Process?

Hiring a lawyer is an effective way to expedite the process of collecting life insurance. A knowledgeable lawyer understands the tactics that insurance companies employ when they stall the payment that deserving beneficiaries are owed. Your attorney can also help you understand if your insurance company is avoiding you or if they are simply doing their due diligence.

A major roadblock for beneficiaries often occurs when a loved one dies within the contestability period. Almost all insurance companies adhere to a two year contestability period. The contestability period goes into effect immediately after someone takes out a life insurance plan. If the insured dies within two years of firming up their plan, the insurance company will investigate to ensure that the death wasn’t suspicious or that the insured did not misrepresent anything on the application. If your loved one died within the contestability period, contact a lawyer right away for help ensuring your compensation is not wrongfully denied.

How Much Does a Lawyer Cost?

If you are fighting for the compensation that you need after a loved one passes away unexpectedly, the last stressor you need is an added expense. Our lawyers only collect payment from you if we successfully recover the life insurance payment that your insurance company owes. If we are able to hold your insurance company accountable, we only take a percentage of the money we win. Likewise, if don’t win against your insurance company, you don’t owe us a dime. Our knowledgeable Dallas, TX team understands how discouraging facing an uncooperative insurance company can be, which is why we use all of the resources at our disposal to fight for you.

How Denying Life Insurance Harms Families

Many people choose to take out life insurance policies in order to plan and provide for their family in the event of a premature death. Life insurance is a security that provides peace of mind that families will have financial support after an unexpected passing. For many families, life insurance money is necessary to keep them afloat after a loved one deceases. Unfortunately, life insurance companies will sometimes deny and delay claims for a variety of reasons and technicalities, leaving families without the funds they need. These denials and delays harm families in a number of ways. Some issues these denials can cause include:

  1. Financial strife: People with life insurance policies acquire them to provide for their families financially after they pass away. Many families rely on the income of a certain family member, and their passing can cripple families financially when they are not given the money they deserve from insurance companies. Families may lose their homes, go into bankruptcy, and endure a host of other financial struggles because of having their life insurance claims denied or delayed.
  2. Painful battles with insurance companies: After a loved one dies, the last thing families need is to undergo painful and lengthy battles with their insurance companies to get their rightful insurance money. Painful details about their loved one, their past, and their death may come up in the midst of a family trying to grieve.
  3. Violation of the plans and wishes of a recently lost loved one: Losing a loved one is difficult. Knowing that an insurance company is violating their plans for your family and wishes regarding your care worsens an already impossible situation. No one should have to endure the pain of knowing their loved one’s wishes will not be carried out over some technicality employed by an insurance company, especially paired with the financial difficulties that come with such denials of claims.

Contact a life insurance attorney in Dallas or Houston, Texas

Please call the Dallas and Houston, Texas life insurance attorneys at (713) 999-5085 to discuss your case if your claim was unfairly denied. We don’t charge for the initial consultation and we represent most of our insurance clients on a contingency-fee basis. This means that you won’t owe us anything unless we recover money from the insurance company through a settlement or litigation.

Types of Life Insurance

Life insurance is an agreement made between a policyholder and an insurance provider that if the policy holder were to die, a designated beneficiary would receive financial benefits. Policyholders typically pay premiums over their lives to give their family financial stability in the form of life insurance payouts in case of an accident. There are two main types of health insurance policies with many different types within the categories.

If you have lost a loved one who had a life insurance policy, yet your insurance provider is refusing to pay or significantly underpaying on your claim, you need a qualified legal representative to help you fight for the benefits you need. To discuss your legal options with an experienced attorney, contact the dedicated Dallas life insurance claim lawyers of
Grisham & Kendall, PLLC, today at (713) 999-5085 and schedule your case evaluation.

Life Insurance Options

The two primary categories of life insurance policies are term and permanent. Term life insurance gives the beneficiary a life insurance payout only if the policyholder dies within a specified time period. Within this category are another five different subtypes of term life insurance.

The other major life insurance category is permanent life insurance, which covers the policyholder’s entire lifetime. Like term insurance, there are also a large number of categories that a policyholder can choose from when developing his or her personalized life insurance policy.

Contact Us

If you have lost a loved one who had a life insurance plan and you are the beneficiary, you deserve the financial benefits the policyholder intended for you. Contact the Dallas life insurance claims attorneys of Grisham & Kendall, PLLC, today at (713) 999-5085 to learn more about your options if your claim as been denied.

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Office Locations

Grisham & Kendall, PLLC

Dallas Office

5910 North Central Expressway #925
Dallas, TX 75206
Phone: (214) 308-2027
Directions

Houston Office

3515 Fannin St.
Houston, TX 77004
Phone: (713) 999-5085
Directions

Fax: (214) 308-2036

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