Life Insurance Lawyer Dallas TX

"Life Insurance Lawyers for Dallas, TX – The Lassen Law Firm" In Dallas, a bustling metropolitan city celebrated for its modern skyline, rich history, and vibrant arts and culture, navigating life insurance claims can still be an overwhelming and challenging experience—especially when benefits are unfairly delayed or denied. At The Lassen Law Firm, we are dedicated to helping families and individuals in Dallas secure the financial protection they deserve. Whether you’re near the lively Uptown area, the serene White Rock Lake, or anywhere across Dallas County, we provide trusted legal expertise and personalized support every step of the way. Our experienced and trusted Texas life insurance lawyers are here to help.

With a proven nationwide record of recovering hundreds of millions in life insurance claims, The Lassen Law Firm delivers compassionate advocacy, relentless representation, and trusted results for Dallas residents seeking justice in insurance disputes.

2025 Dallas Denied Life Insurance Claims

  • SGLI dispute among beneficiaries $155,000.00

  • Mass Mutual misrepresentation $204,000.00
  • Gerber interpleader claim $227,000.00
  • ING alcohol exclusion $149,000.00
  • Globe beneficiary dispute $100,000.00
  • AIG sickness exclusion $210,000.00
  • Connecticut Mutual Life $508,000.00
  • Stonebridge Life beneficiary dispute $201,000.00

Questions About Life Insurance Claims in Dallas

Can a Dallas life insurance claim be denied if the insured failed to disclose a past heart condition?

Yes, if the omission is discovered during the contestability period and the insurer can prove it was material to the underwriting decision. However, if the heart condition was minor, well-managed, or unrelated to the cause of death, the denial could be successfully contested.

Does Texas law revoke an ex-spouse’s beneficiary rights on a Dallas life insurance policy after divorce?

Yes, under Texas law, divorce automatically revokes the ex-spouse’s beneficiary designation unless reaffirmed after the divorce. However, ERISA-governed employer policies may still uphold the original designation if no formal change was made.

What happens if multiple people claim the same life insurance payout in Dallas?

The insurer may file an interpleader action in Harris County, depositing the proceeds with the court and allowing a judge to determine the rightful beneficiary. This ensures the insurer avoids liability for an incorrect payout.

Can a life insurance policy lapse in Dallas if the insured missed a payment during a medical emergency?

Not necessarily. If the insurer failed to properly notify the insured of the missed payment or didn’t comply with Texas’s grace period requirements, the policy may remain in force despite the missed premium, and the claim can still be enforced.

Can a Dallas life insurance claim be denied if the death occurred during a felony?

Yes, if the policy includes a felony exclusion clause and the death occurred during the commission of a felony. However, insurers must prove that the criminal act directly caused the death to apply the exclusion.

How are foreign deaths handled by life insurance companies in Dallas?

Foreign death claims often require embassy-certified death certificates, consular reports, and certified translations. With the right documentation, insurers must process the claim, and legal assistance can be helpful to avoid unjustified delays.

Can suicide result in a life insurance denial in Dallas?

Yes, but only if it occurs within the policy’s suicide exclusion period, typically within the first two years after the policy starts. After that period, suicide is generally covered unless specifically excluded in the policy.

What happens if a forged beneficiary form is discovered in a Dallas life insurance case?

Forgery can invalidate the beneficiary change. Courts often use handwriting experts, witness testimony, and circumstantial evidence to restore the rightful beneficiary if fraud is proven.

Does a will override a life insurance beneficiary designation in Dallas?

No, life insurance proceeds must go to the beneficiary listed on the policy. A will only controls the distribution of life insurance benefits if the estate is specifically named as the beneficiary.

How does ERISA impact employer-provided life insurance in Dallas?

ERISA governs most employer-provided life insurance policies, overriding Texas law. This federal law dictates beneficiary designations, appeals, and filing deadlines, which can differ from state regulations.

Can high-risk activities like motocross or skydiving cause life insurance denials in Dallas?

Yes, if the policy excludes high-risk activities and the death occurred during one. However, exclusions must be clearly worded, and any ambiguity may be challenged in court.

Can a minor mistake on a life insurance application cause a Dallas life insurance denial?

Only if the insurer can prove that the mistake was material and intentional. Minor or innocent errors that did not affect the underwriting decision typically cannot justify denial under Texas law.

What happens if the Dallas insurer delays the claim by citing "missing paperwork"?

If all required documents have been submitted and the insurer continues to delay without valid reason, this can constitute bad faith. Legal action can be taken to force the insurer to process the claim and recover additional damages.

Can a last-minute beneficiary change be contested in Dallas?

Yes, if the insured was mentally impaired, under duress, or lacked legal capacity when the change occurred, a Texas court may invalidate the change and reinstate the prior beneficiary.

Can a Dallas life insurance policy be canceled shortly before death for alleged fraud?

The insurer can attempt rescission, but it must provide clear proof of material and intentional fraud. Texas courts scrutinize last-minute rescissions closely, and many are overturned if mishandled.

Can experimental medical treatments cause a Dallas life insurance claim denial?

Yes, if the policy explicitly excludes deaths resulting from experimental treatments. However, many treatments considered experimental by insurers are standard medical practice, allowing for challenges to such exclusions.

Can an employer in Dallas be held responsible for life insurance claim problems?

Yes, if the employer mishandled the enrollment process, failed to submit necessary paperwork, or didn’t notify the insured about conversion options after termination, the employer could be held legally responsible for the denied claim.

What if a death certificate says “undetermined” and the Dallas insurer denies the claim?

While an “undetermined” cause of death may delay processing, it doesn’t justify automatic denial. With supporting evidence like autopsy reports and expert testimony, the cause can often be clarified and the claim approved.

Can a life insurance beneficiary be disqualified in Dallas under Texas’s slayer statute?

Yes, if a beneficiary is found to have intentionally and unlawfully caused the insured’s death, they are barred from receiving the life insurance proceeds, even without a criminal conviction.

How long do I have to file a lawsuit after a denied life insurance claim in Dallas?

Texas law generally allows four years to file a breach of contract lawsuit. However, ERISA-governed policies may impose much shorter deadlines—sometimes as little as 180 days for appeals—making quick legal action essential.