Life Insurance Lawyer Serving Texas

Life insurance policies established through an employer can be appealed within 60 days of your denial under federal ERISA law.For individual policies, claim denial appeals should be filed as soon as possible. Having a life insurance attorney to help ensure your appeal is filed quickly and correctly can be invaluable under these circumstances.

Perhaps—there are many circumstances under which you may still be paid. We can evaluate your case to determine your chances of getting paid.

If the dates of the unpaid premiums are still within the policy’s grace period, you may still be able to receive death benefits. Additionally, lapses aren’t always the policyholder’s fault—if the insurance company neglected to give them a disability waiver, for example, you’ll still be entitled to compensation. 

If you are a beneficiary of a lapsed life insurance policy, the Texas life insurance lawyers at Boonswang Law can help you understand what your rights are. Call us.

In Texas, the policyholder is the only person legally authorized to change the beneficiary on their life insurance policy. In rare cases, someone with the power of attorney can change the beneficiary on the policyholder’s behalf.

Not under any circumstances. If there’s evidence that the beneficiary on your loved one’s life insurance was changed after their death, the changes are void. Contact our Texas life insurance lawyers for assistance.

In most places in the United States, including Texas, minors can’t directly receive life insurance compensation. Minors who are the beneficiary of a life insurance policy are assigned custodians to manage the benefits. However, the custodian can use the benefits however they like and may abuse that privilege.

If a life insurance policyholder wants a minor to receive the death benefit, they should consider setting up a trust that designates the minor as the beneficiary of the trust. That way, the policyholder can appoint a trusted friend or family member to administer the trust and act as the minor’s fiduciary. 

If you are a life insurance policyholder wanting to set up a life insurance trust for a minor, we recommend hiring an estate planning attorney to help you understand the legalities.

Life insurance policies allow the policyholder to name a secondary or contingent beneficiary in case the primary beneficiary predeceases them. However, if the policyholder neglects to designate a secondary or contingent beneficiary, the claim will pay out to the estate.

Yes! Policyholders often only list one of their children as the beneficiary on their life insurance policy. The idea is that the beneficiary will share the compensation with their siblings.

You will not be able to add your siblings to the policy after the policyholder’s death, but it’s perfectly legal for you to share the death benefits with them once you’ve received the funds.

Provided they’re of sound mind, and the change is not coerced, life insurance policyholders may change their beneficiary at any time prior to their death. 

If changes were made to your loved one’s policy and you suspect they were made by someone else when your loved one was under duress or when they were in an altered state, you can — and should — contest the change. It’s well known these cases are difficult to prove, so having a knowledgeable TX life insurance attorney on your side is essential.

For divorced or remarried policyholders, confusion may arise over who gets what. State law governs these situations, and the process varies from state to state. Our TX life insurance lawyers can help you understand what the policyholder’s spouse or former spouse is entitled to.