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
Q1: Can failing to disclose a prescription medication history lead to denied
life insurance in Corpus Christi?
Yes, if the medication was tied to a serious condition the insurer would
have considered material. But if it was minor or unrelated to the death,
Texas law often favors the beneficiary.
Q2: 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.
Q3: 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.
Q4: 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.
Q5: 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.
Q6: 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.
Q7: 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.
Q8: 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.
Q9: 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.
Q10: 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.
Q11: 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.
Q12: 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.
Q13: 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.
Q14: 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.
Q15: 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.
Q16: 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.
Q17: 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.
Q18: 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.
Q19: 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.
Q20: 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.