Life Insurance Attorney Houston TX
Texas Litigation Firm Representing Clients Across the U.S.
Attorney Dealing With Life Insurance Houston TX
Individuals in Houston often seek life insurance policies as a means to safeguard their loved ones and ensure their financial stability if an unexpected demise occurs. Coping with the loss of a family member is challenging on its own, and the added burden of contesting an insurer’s refusal to honor a life insurance claim only compounds the difficulties. Furthermore, entrepreneurs in the vibrant city of Houston acquire life insurance coverage to facilitate a smooth and equitable resolution for the surviving spouses or family members who possess a stake in their businesses. This approach allows for a seamless transition and ongoing operations of the businesses in the years ahead. Contact the Houston Texas 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 Houston 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.
Attorney for Houston Life Insurance Claim Delays or Denials
Insurance companies often provide various justifications for denying life insurance claims, and the city of Houston has witnessed its fair share of such instances. Some of the reasons commonly cited by insurers include the failure to contest coverage within the stipulated timeframe, disagreements regarding the rightful beneficiary, the insured individual providing false information in the insurance application, undisclosed medical conditions, and disputes surrounding the cause of death.
These examples serve to illustrate the complexity involved in insurance claim denials. If you find yourself in a situation where your rightful benefits under a life insurance policy have been unjustly delayed or denied, it is crucial to understand your rights. In such cases, you may have the opportunity to seek redress for the benefits owed to you under the policy, including potential reimbursement for legal expenses, and even additional damages if the insurer is found to have acted in bad faith. Remember, Houston residents should explore their options and pursue the justice they deserve.
Houston Life Insurance Claim Attorney FAQ
Is the Insurance Company Avoiding Me?
Navigating the intricacies of collecting life insurance can be a complex and exasperating endeavor, especially when the beneficiary is facing financial hardships. The burden of being unable to access the life insurance proceeds can be particularly overwhelming. Once the beneficiary submits a claim, the insurance company initiates a brief investigation to ensure compliance with the terms of the life insurance policy. If everything aligns with the plan’s requirements, the insurer will release the funds to the family. The duration of this process may vary, typically ranging from 30 to 60 days from the time the claim is filed.
If you find yourself in the midst of filing a claim or have already done so and are awaiting payment, it is advisable to seek the guidance of a seasoned attorney who can assess your situation and provide clarity on your specific timeline. Should you encounter significant delays in receiving your loved one’s life insurance payment, it is crucial to reach out to a lawyer. An adept legal professional can expedite the process and facilitate the disbursement of the funds necessary to sustain you during these challenging times. Houston residents can find solace in the fact that qualified legal assistance is available to help navigate the complexities of the insurance claims process and secure the support they need.
How Can I Expedite the Insurance Claim Process?
Engaging the services of a skilled attorney can significantly accelerate the life insurance collection process, especially for residents of Houston. A proficient lawyer possesses invaluable insights into the tactics employed by insurance companies to delay payments owed to deserving beneficiaries. Additionally, your legal representative can provide clarity on whether your insurance company is intentionally avoiding communication or simply carrying out its necessary due diligence.
One significant hurdle that beneficiaries often encounter is when the insured individual passes away during the contestability period. Nearly all insurance companies adhere to a two-year contestability period, which begins immediately after the policy is issued. During this period, if the insured individual passes away within two years of obtaining the policy, the insurance company will conduct an investigation to ascertain that the death was not suspicious and that there were no misrepresentations on the application. If your loved one’s passing falls within this contestability period, it is vital to seek immediate legal assistance to ensure that your rightful compensation is not unjustly denied.
If you are facing such circumstances, reaching out to a lawyer experienced in handling life insurance claims becomes imperative. They can provide essential guidance, safeguard your interests, and advocate for the compensation you deserve. In Houston, individuals can rely on competent legal professionals to navigate the complexities of the contestability period and secure the rightful benefits owed to them.
How Much Does a Life Insurance Attorney Cost in Texas?
Dealing with the aftermath of an untimely loss can be overwhelming, and the burden of pursuing the compensation you deserve should not add to your stress. Our dedicated team of lawyers in Houston understands the challenges you face and aims to alleviate your financial concerns. We operate on a contingency fee basis, meaning that we only receive payment if we successfully recover the life insurance funds owed to you by your insurance company. In the event that we hold your insurer accountable and secure a favorable outcome, we will only take a percentage of the recovered amount as our fee. Conversely, if we are unable to win your case against the insurance company, you will not be responsible for any legal fees.
We empathize with the frustration of dealing with an uncooperative insurance company, and that’s why our experienced team in Houston utilizes all available resources to fight on your behalf. Our goal is to provide you with the support you need during this challenging time without adding financial strain. You can rely on our expertise and commitment to pursuing the compensation you rightfully deserve.
How Denying Life Insurance Harms Families
In Houston, it is common for individuals to opt for life insurance policies as a means of securing their family’s future in the event of an untimely demise. Life insurance offers a crucial sense of security, ensuring that families will have the necessary financial support during the aftermath of an unexpected loss. Unfortunately, insurance companies sometimes deny or delay claims based on various reasons and technicalities, depriving families of the funds they desperately need. These denials and delays inflict significant harm on families, leading to several detrimental outcomes, including:
Financial hardship: Families rely on life insurance payouts to sustain their financial well-being after the loss of a loved one. When insurance claims are unjustly denied or delayed, families face dire financial circumstances. They may struggle to retain their homes, experience bankruptcy, and encounter a range of financial challenges that exacerbate an already difficult situation.
Emotional battles with insurers: Dealing with the loss of a loved one is emotionally taxing. Families should not have to endure additional distressing and protracted battles with insurance companies to obtain the rightful insurance funds. Such confrontations force families to delve into painful details about their deceased loved ones, their past, and their demise, impeding the grieving process.
Disregard for the deceased’s plans and wishes: Losing a loved one is an immensely challenging experience. Discovering that an insurance company is disregarding the deceased’s plans and wishes for their family’s well-being intensifies the already unbearable situation. No one should have to endure the pain of knowing that their loved one’s desires and intentions will not be honored due to technicalities employed by insurance companies. This disregard, coupled with the financial difficulties stemming from claim denials, further compounds the emotional burden.
Residents of Houston should not have to endure the detrimental consequences of denied or delayed life insurance claims. Seeking legal assistance in such situations can help families navigate the complexities and overcome the obstacles imposed by insurance companies, ensuring that their rightful claims are honored and their financial and emotional well-being is preserved.
How Quickly Are Life Insurance Claims Paid?
Most insurance companies will pay within 30 to 60 days of a claim.
How long can a life insurance claim stay open?
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.
How are life insurance claims settled?
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.
Can life insurance payout be denied?
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
Are life insurance payouts taxed?
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.
Do life insurance companies contact beneficiaries?
While the life insurance company may eventually reach out to beneficiaries, it’s much faster if you make a claim yourself.
Contact a life insurance attorney in Houston, Texas
Please call the Houston, Texas life insurance attorneys at (214) 308-2027 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
Houston residents understand the importance of life insurance, which serves as an agreement between policyholders and insurance providers. This agreement ensures that in the unfortunate event of the policyholder’s death, a designated beneficiary receives financial benefits. Policyholders diligently pay premiums throughout their lives to secure the well-being of their families through life insurance payouts in the event of an accident or tragedy. Life insurance policies encompass various types within two main categories, offering individuals a range of options to suit their specific needs.
In the unfortunate circumstance where you have lost a loved one who held a life insurance policy, and your insurance provider refuses to fulfill the payment or offers an inadequate payout, it is crucial to seek the assistance of a qualified legal representative. You deserve to fight for the benefits you rightfully deserve during this challenging time. To explore your legal options and discuss your case with a knowledgeable attorney, we encourage you to reach out to the dedicated Houston life insurance claim lawyers at Grisham & Kendall, PLLC. Schedule your case evaluation today by contacting us at (214) 308-2027, allowing us to guide you through the process and advocate for your rightful compensation.
Life Insurance Options
Houston residents are well aware of the importance of life insurance and the various options available to them. When it comes to life insurance policies, there are two primary categories: term life insurance and permanent life insurance.
Term life insurance provides a payout to the beneficiary only if the policyholder passes away within a specific time period agreed upon in the policy. This category further includes five distinct subtypes of term life insurance, allowing individuals to tailor their coverage to their specific needs.
On the other hand, permanent life insurance offers coverage for the policyholder’s entire lifetime. Similar to term insurance, there is a wide array of categories within the permanent life insurance category, providing policyholders with the flexibility to create a personalized life insurance policy that suits their individual circumstances.
Houston residents can explore the options available to them within these categories to ensure they select the most suitable life insurance policy to protect their loved ones and provide financial security for the future.
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 Houston life insurance claims attorneys of Grisham & Kendall, PLLC, today at (214) 308-2027 to learn more about your options if your claim as been denied.
Life Insurance Denial Attorney
Investigation of Denied Life Insurance Claims
Securing life insurance coverage offers us and our families a sense of comfort, knowing that our loved ones will be taken care of in the event of our passing. However, it is disheartening to witness insurance companies denying valid life insurance claims following the loss of a family member. These denials, often unjust and unreasonable, only compound the challenges of an already difficult time.
Fortunately, residents of Houston can find solace in knowing that our dedicated team understands the unfortunate reality of insurance companies unfairly rejecting life insurance claims. We are here to support individuals in navigating the complexities of such situations and determining the necessary steps to move forward. We strive to provide guidance and assistance to those who have experienced the frustration and distress of denied life insurance claims, helping them seek the justice and support they rightfully deserve.
Unfair Denials of Life Insurance Claims
While some life insurance claims are denied legitimately, in a lot of cases the insurance company is guilty of a mistaken denial. Some ways in which an insurance company can make an unfair denial of a life insurance claim:
- Not actually investigating an insured person’s claim
- Denial based on little to no evidence
- Deceptive practices in coverage
- Insurance agent negligence
- Trying to avoid more payment with underpayment
All of these practices could be considered forms of insurance bad faith and may put an insured person’s family in serious financial trouble.
Talk to a Life Insurance Denial Attorney in Houston Today
If you have had a life insurance claim denied unfairly, you can explore your legal options today with the help of a life insurance attorney from Grisham & Kendall, PLLC. By calling us at (214) 308-2027, you can find out whether you are eligible to file an insurance bad faith claim and seek the coverage you believe you are owed.
Houston Health Insurance Claims Attorneys
Acquiring medical insurance is a vital step in safeguarding yourself and your loved ones from unexpected challenges, particularly concerning illnesses or accidents. Health insurance offers a means to mitigate the financial burden associated with doctor visits and routine medical check-ups. However, when insurance providers fail to uphold the agreed-upon provisions of their policies, families may find themselves grappling with unnecessary expenses and mounting debts.
If you suspect that your insurance provider is acting in bad faith, it may be necessary to pursue legal recourse against the company. In Houston, Texas, the health insurance claims attorneys at Grisham & Kendall, PLLC, possess extensive experience assisting individuals who find themselves at odds with health insurance providers regarding their medical claims. Our dedicated team is ready to provide the guidance and support you need during this challenging time. To explore your options and discuss your case with a member of our legal team, please reach out to our offices at (214) 308-2027. We are here to advocate for your rights and pursue the justice you deserve.
Medical Insurance Claim Complications
When an individual suffers an injury or illness and requires medical treatment, their health insurance policy will often provide coverage for some portion of the costs associated with treatment. Unfortunately, insurance providers may refuse to pay for certain procedures or cover certain ailments and may not have legal grounds to do so.
Health insurance claim complications commonly include:
- Denied procedure/treatment coverage
- Wrongly denied claims
- Administrative errors
- Filing errors
- Lapsed time limits
At Grisham & Kendall, PLLC, we are also able to help clients with claims involving:
- Long term disability claims
- Short term disability claims
- Treatment claims
- Medical procedure claims
- Prescription medication claims
- Long term care claims
- Disability insurance claims
Texas life insurance attorneys
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