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

Q1: If the insured in Dallas gave incomplete medical history, can the life insurance company deny the claim years later?
Only during the contestability period, usually the first two years. After that window, even significant omissions generally cannot be used to void the policy unless outright fraud can be proven.

Q2: After a divorce in Dallas, does the ex-spouse automatically lose life insurance rights?
Usually, yes—under Texas law, ex-spouses are removed unless the policyholder reaffirms them post-divorce. But if the policy falls under ERISA (such as employer-provided coverage), federal law may still favor the ex-spouse unless the designation was changed.

Q3: What happens if the insured in Dallas died and no beneficiary is listed?
If no beneficiary is named, or if all listed beneficiaries have passed away, the payout usually defaults to the insured’s estate, meaning it may go through probate and be subject to creditor claims.

Q4: Can a Dallas insurer deny life insurance benefits if death occurred during an illegal activity that wasn’t a felony?
Possibly. Some policies exclude deaths tied to any illegal act, even minor ones like trespassing. Whether the exclusion applies depends on the exact policy language.

Q5: Is it harder to collect on an accidental death policy (AD&D) in Dallas than regular life insurance?
Yes. Accidental death benefits often have narrow definitions, and insurers aggressively deny these claims if they can argue the death was due to illness, intoxication, or non-accidental causes.

Q6: If the insured missed a payment but wasn’t properly notified, can the Dallas insurer still deny the claim?
No. Texas law requires insurers to send written notice before a policy lapse. If the insured didn’t receive proper notice, the policy could still be considered active when the death occurred.

Q7: Can a late-life beneficiary change in Dallas be invalidated based on diminished mental capacity?
Yes. If the insured lacked legal capacity—due to dementia, brain injury, or heavy medication—the change may be voided. Medical records and witness accounts are critical in these disputes.

Q8: If an insured in Dallas died overseas, will the life insurance company automatically deny the claim?
No, but foreign deaths often delay payment. Insurers may demand extra proof, such as U.S. consular reports or translated death certificates. Our attorneys know how to assemble the right documents to prevent bad faith denials.

Q9: What if a Dallas employer promised life insurance coverage but never submitted the enrollment form?
The employer may be liable under theories like negligent misrepresentation or breach of fiduciary duty. We frequently sue employers when their mistakes cause wrongful denial of death benefits.

Q10: Can a suicide in Dallas trigger denial even if it happens years after the policy was issued?
Generally, no. Suicide exclusions expire after two years under most Texas policies. After that, insurers must pay out unless there’s a separate exclusion that applies.

Q11: Can minor typos or clerical errors on a life insurance application void a Dallas claim?
No. Under Texas law, innocent mistakes that aren’t material to risk acceptance don’t justify rescission or denial. The insurer must prove the error changed their underwriting decision.

Q12: If two beneficiaries fight over the payout in Dallas, what does the life insurance company do?
They usually file an interpleader, deposit the money with the court, and let a Dallas judge resolve the dispute. This protects the insurer but forces the beneficiaries into litigation.

Q13: Can vague policy language be used by a Dallas insurer to deny a life insurance claim?
Not legally. Texas law requires courts to interpret ambiguous insurance terms in favor of the policyholder or beneficiary—not the insurer.

Q14: If an insured dies in a high-risk activity like racing or skydiving, is the life insurance claim automatically denied in Dallas?
Only if the policy contained a clearly worded exclusion for the activity. We often argue exclusions are too vague or that the insurer waived its right to enforce them by accepting premiums with knowledge of the risk.

Q15: What happens if a forged signature is found on a beneficiary form in a Dallas life insurance dispute?
If proven, a forged designation is invalid, and the prior legitimate beneficiary (or the estate) typically receives the payout. We use forensic experts to challenge forged documents.

Q16: Can experimental medical treatments void life insurance coverage in Dallas?
Sometimes. If the policy excludes deaths tied to experimental treatments, and the death was caused by a clinical trial drug or procedure, the insurer might deny. But vague or hidden exclusions can often be defeated.

Q17: If a life insurance company in Dallas delays payout for months, what rights do beneficiaries have?
Texas law allows beneficiaries to sue for breach of contract and bad faith. If delays are unreasonable, you may recover not just the policy amount but also interest, attorney’s fees, and even punitive damages.

Q18: What if a beneficiary is suspected of killing the insured in Dallas?
Texas's slayer statute bars anyone who intentionally and unlawfully caused the insured’s death from collecting benefits. Even without a criminal conviction, civil courts can apply this bar.

Q19: How do ERISA rules complicate Dallas life insurance appeals?
ERISA imposes strict administrative appeal deadlines—often 60 to 180 days after denial—and limits lawsuits to federal court review of the administrative record. Missing deadlines can permanently end your claim rights.

Q20: How long does someone in Dallas have to file a lawsuit after a life insurance denial?
Under Texas law, the standard deadline for a breach of contract lawsuit is four years. However, policies governed by ERISA may impose much shorter contractual time limits, sometimes under two years.