Dallas Life Insurance Lawyer
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Dallas TX Life Insurance Attorney: Lawyers for Insurance Claims
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 life insurance attorneys of Grisham & Kendall, PLLC today at (214) 308-2027 to schedule a free consultation.
Free Policy and Claim Review
The attorneys at Grisham & Kendall, PLLC have represented Dallas residents for more than 20 years. We offer a free review of your policy and claim and are happy to discuss the issues that may apply to your individual claim. If you would like our attorneys to review your insurance policy at no cost and with no obligation, please call Grisham & Kendall, PLLC at (214) 308-2027 to schedule a call or contact us using the form.
Dallas Life Insurance Attorneys
Insurance companies in Dallas, TX often deny life insurance claims citing various reasons, such as failure to contest coverage in a timely manner.
Disputes regarding the rightful beneficiary are commonly raised by insurance companies operating in Dallas, TX, leading to the denial of life insurance claims.
When individuals in Dallas, TX misrepresent their medical history during the insurance application process, insurance companies may deny their life insurance claims.
Insurance companies in Dallas, TX may reject life insurance claims if the insured individual fails to disclose any pre-existing medical conditions.
In Dallas, TX, disputes regarding the cause of death can arise and become grounds for insurance companies to deny life insurance claims.
These examples highlight some of the reasons insurance companies in Dallas, TX use to deny life insurance claims. If you suspect that your claim has been wrongfully denied or delayed, you may have the right to pursue the benefits owed under the policy, along with attorney fees and additional damages if the insurance company acted in bad faith.
Life Insurance Claim Attorney FAQ
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.
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.
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.
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:
- 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.
- 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.
- 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.
Most insurance companies will pay within 30 to 60 days of a claim.
There is no time limit on life insurance death benefits, so you don’t have to worry about being too late to file a claim.
To file a claim, you can call the company or, in many cases, start the process online.
Settlement of claims is one of the most important things life insurance companies do. Most life insurance companies will make a payment within 7 days of receiving the necessary documentation.
Yes, life insurance claims sometimes get denied for a variety of reasons.
Some reasons for denials may be:
- The death happened during the contestability period
- The type of death wasn’t covered in the policy
- The employer failed to submit a waiver of premium
- Policy premiums were not paid, leading to a lapse in payment
- There is no beneficiary designation on file
- The beneficiary was changed after a divorce
- The beneficiary on the policy is a minor
- The insured did not name a spouse as a beneficiary in a community-property state
- The life insurance policy was included in a will or a trust
- The beneficiary was not updated after a major life change
- The insured named his “children” or “relatives” as beneficiaries
- The insured named only a primary beneficiary
Typically, life insurance proceeds received as a beneficiary due to the death of the insured person don’t need to be reported in gross income. However, any interest you receive is taxable and you should report it as interest received.
While the life insurance company may eventually reach out to beneficiaries, it’s much faster if you make a claim yourself.
Dallas, Texas Life Insurance Claim Attorney
For a confidential discussion about your case if your life insurance claim has been unfairly denied, please reach out to our experienced Dallas, Texas life insurance attorneys. We provide free initial consultations, and we handle most insurance clients on a contingency-fee basis. This means that you won’t owe us any fees unless we successfully recover money from the insurance company through settlement or litigation.
Life Insurance Varieties
Life insurance is a contractual agreement between an individual and an insurance provider, ensuring that in the event of the policyholder’s death, a designated beneficiary receives financial benefits. Policyholders typically pay premiums throughout their lives, aiming to secure their families’ financial stability through life insurance payouts following accidents or unfortunate circumstances. There are two primary types of life insurance policies, each with various subcategories.
If you have lost a loved one who had a life insurance policy, and your insurance provider is refusing to pay or offering significantly reduced amounts, it’s crucial to have a knowledgeable legal representative by your side to fight for the benefits you deserve.
Life Insurance Options
The two primary categories of life insurance policies are term and permanent. Term life insurance provides a life insurance payout only if the policyholder passes away within a specified timeframe. Within this category, several different subtypes of term life insurance exist.
The other major category is permanent life insurance, which provides coverage for the policyholder’s entire lifetime. Like term insurance, there are numerous subcategories available for policyholders to customize their life insurance policies.
Get in Touch
If you have lost a loved one who held a life insurance plan, and you are the designated beneficiary, you deserve the financial benefits intended for you. Contact our Dallas life insurance claims attorneys at Smith & Johnson, LLP today at (713) 555-7890 to learn more about your options if your claim has been denied.
Life Insurance Denial Attorney
Investigation of Denied Life Insurance Claims
Having life insurance coverage offers peace of mind to us and our families, assuring that our loved ones will be financially supported in the event of our passing. Unfortunately, despite many individuals purchasing life insurance, insurers occasionally deny valid claims following the death of a loved one. These denials, often unfair and unreasonable, can exacerbate an already challenging situation. Fortunately, our team in Dallas understands that many insurance companies wrongfully deny life insurance claims and can assist you in determining the appropriate steps to take.
Unfair Denials of Life Insurance Claims
While some life insurance claims are legitimately denied, many insurance companies wrongfully deny valid claims. Some ways in which an insurer can unjustly deny a life insurance claim include:
Failing to conduct a proper investigation into the insured person’s claim
Denying a claim without sufficient evidence
Engaging in deceptive practices regarding coverage
Negligence on the part of insurance agents
Attempting to minimize payment through underpayment
These practices may constitute insurance bad faith and can place the insured person’s family in severe financial distress.
Consult a Life Insurance Denial Attorney in Dallas Today
If your life insurance claim has been unfairly denied, you can explore your legal options with the guidance of a skilled life insurance attorney from Smith & Johnson, LLP. Call us at (713) 555-7890 to determine if you are eligible to file an insurance bad faith claim and seek the coverage you rightfully deserve.
Dallas Health Insurance Claims Attorneys
Obtaining medical insurance provides protection for you and your family in the face of unexpected health issues, particularly in cases of illness or accidents. Health insurance helps minimize the financial burden of doctor visits and regular medical checkups. However, if your insurance provider fails to fulfill the agreed provisions of your policy, you and your family may be left dealing with unnecessary expenses and mounting debt.
If you suspect that your insurance provider is acting in bad faith, you have the right to take legal action against the company. At Grisham & Kendall, our Dallas, Texas health insurance claims attorneys have extensive experience assisting individuals who are in conflict with health insurance providers regarding their medical claims. Contact our offices today to discuss your case with a member of our dedicated legal team.
We understand the complexities of health insurance policies and the tactics insurance companies may employ to delay or deny valid claims. Our attorneys will diligently investigate your case, ensuring that your rights are protected and advocating for the coverage you deserve.
Don’t let the stress of dealing with health insurance claims consume you. Trust our experienced Dallas health insurance claims attorneys to navigate the legal complexities on your behalf. Contact Grisham & Kendall to schedule a consultation and learn how we can help you pursue a favorable resolution to your health insurance dispute.
Remember, you don’t have to face this battle alone. Our skilled attorneys are here to provide guidance, support, and legal representation throughout the process.