Life Insurance Lawyer Corpus Christi
"Life Insurance Lawyers for Corpus Christi, TX – The Lassen Law Firm" In Corpus Christi, a vibrant coastal city celebrated for its stunning beaches, rich history, and welcoming community, navigating life insurance claims can still be a frustrating and challenging experience—especially when benefits are unfairly delayed or denied. At The Lassen Law Firm, we are committed to helping families and individuals in Corpus Christi secure the financial protection they deserve. Whether you’re near the lively Downtown area, the serene Padre Island National Seashore, or anywhere across Nueces 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 Corpus Christi residents seeking justice in insurance disputes.
2025 Corpus Christi Denied Life Insurance Claims
- VGLI interpleader claim $400,000.00
- AIG drug exclusion $559,000.00
- Primerica beneficiary dispute $266,000.00
- Sunlife alcohol exclusion $150,000.00
- USAA beneficiary dispute 274,000.00
Questions About Life Insurance Claims in Corpus Christi, TX
If an insured in Corpus Christi failed to disclose a prescription medication history, can the life insurance claim be denied?
Possibly, but only if the medication was tied to a serious condition the insurer would have considered material. If it was minor or unrelated to the death, Texas law often favors the beneficiary.
After a divorce in Corpus Christi, can an ex-spouse still collect life insurance benefits?
Normally no, because Texas law revokes ex-spouses as beneficiaries after divorce. However, ERISA plans from employers may allow an ex-spouse to collect unless a formal change was filed.
What happens if a Corpus Christi employer promised life insurance but never sent the enrollment paperwork?
The employer could be sued for negligent misrepresentation or breach of duty. Courts may hold them responsible for the death benefit the employee expected.
Can death during an adventure activity like parasailing void life insurance coverage in Corpus Christi?
Possibly, if the policy had a clear exclusion for high-risk activities. However, exclusions must be interpreted narrowly under Texas law, and many are vague enough to challenge.
If a Corpus Christi resident dies abroad and only foreign paperwork is available, is the claim doomed?
No. With certified translations, consular reports, and embassy-certified death certificates, we can usually prove the death and force the insurer to pay.
What if a Corpus Christi life insurance company keeps stalling because they claim they "need more documents"?
If all reasonably necessary documents have been submitted, continued stalling can lead to a bad faith lawsuit. Texas law penalizes insurers for unreasonable delays.
How does a missing or altered beneficiary form affect a Corpus Christi life insurance claim?
If the change was forged or altered without the insured’s consent, Texas courts can invalidate it and enforce the prior valid beneficiary designation.
Can life insurance be denied in Corpus Christi because the insured committed a misdemeanor at the time of death?
Rarely. Policies that exclude deaths during "illegal acts" usually require the act to be directly responsible for the death, and minor infractions often aren’t enough.
What if the cause of death is "undetermined" on the death certificate in Corpus Christi?
It may delay the claim, but insurers can’t deny automatically. Medical evidence, witness accounts, and expert testimony can be used to establish cause and enforce the claim.
Can an accidental death (AD&D) claim be denied in Corpus Christi if the insurer says a pre-existing condition contributed?
They can try, but unless the illness was the primary cause of death (not just a factor), accidental death benefits should still be payable under Texas law.
If the insured's will names someone else, can it change the life insurance beneficiary in Corpus Christi?
No. Life insurance proceeds are paid according to the beneficiary designation on file with the insurer—not based on a will unless the estate is specifically named.
Can a Corpus Christi beneficiary lose a payout under the Texas slayer statute without a criminal conviction?
Yes. Civil courts can bar a beneficiary if there’s enough evidence to show they unlawfully caused the insured’s death, even without a criminal trial.
If the insurer says premiums weren’t paid, but the insured had automatic withdrawal set up, can the claim still succeed in Corpus Christi?
Yes. If auto-drafts failed due to bank errors or administrative mistakes and the insured didn’t know, the policy is often still enforceable.
How long do insurers have to pay a life insurance claim after all paperwork is submitted in Corpus Christi?
Texas law requires insurers to pay within 60 days of receiving all necessary documents. Longer delays without valid reason can lead to a bad faith claim.
Example Case: Forgery dispute in Corpus Christi overturned a suspicious beneficiary change
A man changed his beneficiary to a new acquaintance shortly before dying. Forensic analysis showed someone else signed the form. The court reinstated his adult children as the rightful beneficiaries.
What if the insured was intoxicated at the time of death in Corpus Christi—can life insurance still pay?
It depends. If the policy excludes deaths caused by intoxication, the insurer might deny. However, insurers must prove intoxication was the direct cause of death, not just a factor.
Can experimental cancer treatment void life insurance coverage in Corpus Christi?
Only if the policy specifically excludes deaths from experimental procedures. Courts often side with beneficiaries if the treatment was reasonably accepted in the U.S. at the time.
What if the insurer denies a Corpus Christi life insurance claim due to alleged fraud years after issuance?
If the two-year contestability period has passed, and the fraud wasn’t extreme and intentional, Texas law usually blocks the insurer from voiding the policy.
How does ERISA change life insurance appeals for Corpus Christi residents?
ERISA limits appeals to the insurer’s internal administrative process first, often within 60–180 days. Missing this deadline can forfeit your right to sue later in federal court.
How much time do beneficiaries in Corpus Christi have to sue after a life insurance denial?
In Texas, you generally have four years for breach of contract claims unless the policy has a shorter contractual deadline, which can be as short as one year under ERISA-governed plans.