Life Insurance Lawyer Arlington TX
"Life Insurance Lawyers for Arlington, TX – The Lassen Law Firm" In Arlington, a dynamic city renowned for its thriving sports culture, entertainment hubs, and welcoming community, navigating life insurance claims can still be a stressful and overwhelming experience—especially when benefits are unfairly delayed or denied. At The Lassen Law Firm, we are dedicated to helping families and individuals in Arlington secure the financial peace of mind they deserve. Whether you’re near the iconic AT&T Stadium, the serene River Legacy Park, or anywhere across Tarrant County, we provide trusted legal expertise and personalized care every step of the way. Our experienced and trusted Texas life insurance lawyers are here to help.
With a nationwide record of recovering hundreds of millions in life insurance claims, The Lassen Law Firm delivers compassionate advocacy, relentless representation, and trusted results for Arlington residents seeking justice in insurance disputes.
2025 Arlington Tx Denied Life Insurance Claims
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Guardian Life interpleader claim $154,000.00
- Prudential life drug exclusion $139,000.00
- Nationwide beneficiary dispute $312,000.00
- Ameritas self-inflicted injury exclusion $20,000.00
- ING beneficiary dispute $214,000.00
- Arlington TX denied life insurance claim $57,000.00
Questions About Life Insurance Claims in Arlington, TX
If an Arlington resident missed disclosing anxiety or depression on their life insurance application, can the claim be denied?
Possibly, but only if the insurer proves the omission was intentional and material. If the mental health history had no bearing on the death or policy issuance, Texas law may support payment.
Does Texas law automatically revoke an ex-spouse's life insurance proceeds in Arlington?
Yes. Divorce typically nullifies an ex-spouse’s beneficiary designation unless the insured reaffirmed it later. However, if the policy is governed by ERISA, the ex-spouse may still have a legal claim if no update was made.
Can an Arlington life insurance policy lapse without proper warning to the insured?
No. Texas law requires insurers to send lapse notices in a timely manner. If the insurer failed to provide proper notice, the lapse may be invalid and the beneficiary can still claim the payout.
What happens if the beneficiary on file for an Arlington policy is deceased?
If no contingent beneficiary is named, the policy proceeds usually pass to the insured’s estate, requiring probate. Having a backup beneficiary is critical to avoid complications.
How do insurers in Arlington treat deaths resulting from skydiving, scuba diving, or extreme sports?
If the policy contains a clear exclusion for high-risk activities, the claim could be denied. But vague or poorly worded exclusions are construed against the insurer under Texas law.
Can a forged beneficiary change be overturned in Arlington?
Yes. Beneficiaries can challenge suspicious beneficiary changes based on forgery, fraud, or lack of capacity. Forensic experts and witness testimony often help restore the rightful payout.
What if a Fort Worth-based employer forgot to submit an Arlington employee's life insurance enrollment paperwork?
The employer could be liable for the lost benefit under theories like breach of fiduciary duty, negligent misrepresentation, or equitable estoppel.
If a death in Arlington is classified as "accidental," can the insurer still deny an AD&D claim?
Insurers may argue that pre-existing health issues contributed to the death. But unless the illness directly caused the death (not just contributed), beneficiaries can often enforce AD&D payouts.
Can insurers in Arlington deny claims based on minor, irrelevant errors on the application?
Not lawfully. Under Texas law, misstatements must be material—meaning they significantly impacted the insurer's risk decision—to justify denial.
Can a Fort Worth family claim life insurance benefits if the insured died abroad but lived in Arlington?
Yes. Foreign deaths require additional verification like consular reports and translated death certificates, but a proper case can still force insurers to honor the claim.
Example Case: Forged beneficiary in Arlington leads to court victory
In one case, an Arlington widow proved that her husband’s supposed “new” beneficiary designation was signed while he was sedated in the hospital. The court reinstated her as the rightful beneficiary and awarded damages.
Can vague “illegal act” exclusions be used against Arlington life insurance beneficiaries?
Rarely. Courts in Texas require clear and specific policy language to enforce exclusions. General references to “illegal acts” aren’t usually enough if the cause of death wasn’t a direct result.
How long does a life insurance company have to pay a valid Arlington claim?
Texas law generally requires insurers to pay claims within 60 days after receiving all required proof. Longer delays without a valid reason may constitute bad faith.
Can an Arlington life insurance policy be canceled near death due to alleged fraud years after issuance?
Only if the fraud was material and intentional. Most contestability windows in Texas expire after two years, making late-stage cancellations very difficult for insurers to justify.
What happens when two different wills reference different life insurance beneficiaries in Arlington?
Wills don't control life insurance payouts. The policy’s listed beneficiary governs, regardless of later wills unless the estate itself was named as beneficiary.
Can ERISA policies limit rights for Arlington life insurance beneficiaries?
Yes. ERISA imposes strict administrative appeal timelines (often 60–180 days) and limits lawsuits to a review of the insurer's original decision, making fast legal action essential.
What if a beneficiary in Arlington is accused of killing the insured but hasn't been convicted?
Under Texas’s slayer statute, a civil court can still bar recovery by a beneficiary even without a criminal conviction, based on a lower standard of proof (preponderance of the evidence).
How does an “undetermined” cause of death affect life insurance payouts in Arlington?
It can delay the process, but doesn’t automatically mean denial. Medical records, expert testimony, and autopsy reports often clarify the cause, forcing insurers to honor the claim.
Can life insurance be denied in Arlington if death occurred during an unsanctioned event like an illegal drag race?
It depends. If the policy clearly excludes deaths during illegal activities, insurers may deny—but if language is vague or causation is unclear, beneficiaries may still win.
How long does an Arlington beneficiary have to sue after life insurance denial?
Generally four years for traditional breach of contract cases under Texas law. However, many ERISA plans shorten the deadline to as little as one year post-denial, so quick action is crucial.