Life Insurance Lawyer in Dallas

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Our Dallas Life Insurance Lawyers Bring Decades of Experience Advocating for Beneficiaries Like You

Losing a loved one is hard enough — now the insurance company is refusing to pay your life insurance benefits. Boonswang Law will fight for your benefits and hold the insurer accountable.

Boonswang Law has recovered over $200 million for life insurance beneficiaries across the country, and we’re prepared to fight for you. Led by Chad G. Boonswang, Esquire, our Dallas life insurance lawyers know every tactic insurers use to wrongfully deny claims. And we won’t back down until we secure your benefits.

Don’t let the insurance company keep what’s yours. Let a life insurance lawyer in Dallas, TX, fight for your benefits.

Boonswang Law Supports Life Insurance Beneficiaries in Dallas and Texas, Including These Areas:

Resolve Your Claim with a Free Consultation from Dallas Life Insurance Lawyers!

If the insurance company is stalling or refusing to pay your benefits, you don’t have to face them alone. Our Dallas life insurance lawyers offer free consultations to review your case, explain your options, and take action to secure the benefits you deserve.

Schedule a free consultation with Boonswang Law today, and let us fight for the benefits you’re owed.

Resolve Your Claim with a Free Consultation from Houston Life Insurance Lawyers!

Reasons Life Insurance Claims Are Denied in Dallas

Insurance companies deny claims for various reasons—some legitimate, others meant to avoid paying you what you’re owed. Our Texas life insurance lawyers in Dallas challenge unfair denials, investigate insurance company tactics, and fight to recover every dollar owed to you.

Unpaid Premiums

Insurers may claim a policy lapsed due to missed payments, but that doesn’t always mean your benefits are lost. Many policies have grace periods, payment plans, or reinstatement options that companies fail to mention. Our life insurance attorneys review payment records, challenge wrongful lapses, and work to reinstate coverage.

Misunderstanding of Policy Terms

Insurance policies are full of complicated language, and insurers may twist the terms to deny a claim. If your benefits were withheld due to a supposed policy violation, the denial may not be valid. Our life insurance lawyers will analyze policy details, dispute misleading interpretations, and work to secure your rightful payout.

Exclusion Clauses for Cause of Death

Some policies exclude coverage for suicide, drug use, or high-risk activities, but insurers often misapply these clauses. A denied claim doesn’t always mean the insurer is right. Our life insurance attorneys will investigate the circumstances, challenge wrongful exclusions, and advocate for your rightful benefits.

Misrepresentation or Policy Cancellations

If an insurer claims the policyholder provided false information, they may attempt to retroactively cancel the policy after death. These accusations are often exaggerated or unjustified. Our life insurance lawyers push back against unfair cancellations and fight to hold the insurance company accountable.

Making Life Insurance Claims Easier

Filing a life insurance claim should be simple, but insurers often create obstacles that delay or deny payouts. Our Dallas life insurance lawyers will file your claim efficiently and fight back against any unfair tactics.

Follow these steps to file a life insurance claim in Dallas, Texas:

Notify the Insurance Company: Report the policyholder’s passing as soon as possible.
Complete the Claim Form: Ensure accuracy to prevent unnecessary delays.
Gather Essential Documents: Submit the death certificate, policy details, and proof of identity.
Claim Processing: The insurer will review your claim, which can take several weeks.
Handle Requests for More Information: Our life insurance attorneys will help you respond to insurer requests and prevent unnecessary delays.
Receive Your Benefits or Fight a Denial: If your claim is rejected, we will take legal action to secure the payout you’re entitled to.

Steps to Resolve Beneficiary Disputes in Dallas Life Insurance Claims

When multiple people claim life insurance benefits or last-minute changes raise suspicion, disputes can delay or even block your payout. Our life insurance lawyers in Dallas will fight for the benefits you’re entitled to.

Follow these steps if you’re facing a beneficiary dispute:

Collect Documents: Gather the policy, beneficiary designations, and insurer correspondence.
Review Policy Details: Review the policy’s rules on beneficiaries, exclusions, and recent changes.
Identify the Cause of the Dispute: Many conflicts stem from fraud, undue influence, or last-minute modifications.
Avoid Signing Anything Prematurely: Insurers may pressure you into quick settlements that could impact your right to the full payout– don’t agree to anything without consulting a life insurance lawyer.
Consult a Life Insurance Lawyer: Our attorneys will investigate the dispute, challenge unfair changes, and fight to secure the benefits meant for you.

What You Can Expect When You Work with Dallas Life Insurance Lawyers at Boonswang Law

When you work with Boonswang Law, we take the burden off your shoulders by handling every step of your life insurance claim. Our Dallas life insurance lawyers challenge unfair denials, fight back against delays, and hold insurers accountable to honor their obligations.

With over $200 million recovered for beneficiaries like you, we know how to win—and you won’t pay a dime until we recover your benefits.

Avoiding Common Insurance Fraud and Bad Faith Practices

Insurance companies use deceptive tactics to reduce or deny payouts, leaving families without the support they’re owed. Our life insurance lawyers uncover these bad-faith practices and fight to recover the full benefits meant for you.

Indexed Universal Life Insurance

IUL policies are often sold as safe investments with guaranteed growth, but hidden fees and fluctuating interest rates can reduce payouts. Many policyholders don’t realize these risks until it’s too late. If your loved one’s policy was misrepresented, our life insurance attorneys will investigate and hold the insurer accountable.

Churning Scams

Some insurance agents push policyholders to replace an existing policy with a new one—just to earn a higher commission. This can lead to higher premiums, reduced benefits, and financial losses for beneficiaries. Our life insurance lawyers will review your case, expose fraudulent policy replacements, and fight for the payout you deserve.

Insurance Bad Faith

Insurers commonly use delays, wrongful denials, and misleading policy interpretations to avoid paying claims. Our life insurance attorneys take on bad-faith insurers, build strong cases, and fight for the benefits your loved one intended for you.

Frequently Asked Questions About Life Insurance Claims in Dallas

What is the Statute of Limitations for Contesting Life Insurance Denials in Texas?

Texas law imposes a strict time limit to challenge a denied life insurance claim. Missing this deadline could forfeit your right to the benefits you’re owed. If your claim has been denied, act quickly. Our Dallas, San Antonio, and Houston life insurance lawyers will assess your case, collect the necessary evidence, and file an appeal within the required timeframe.

Can I Still Receive Death Benefits if the Policy Has Lapsed?

A policy lapse does not automatically mean your claim is invalid. Many life insurance policies include grace periods, and some lapses occur due to administrative errors or missing notices. Our life insurance attorneys will review your case, identify potential errors, and fight to reinstate coverage if the lapse was unjustified.

The Beneficiary Designation Changed Before Death, What Are My Options?

If a beneficiary change was made shortly before the policyholder’s passing, it may indicate fraud, undue influence, or lack of mental capacity. You have the right to contest suspicious beneficiary changes. Our life insurance lawyers will investigate any irregular modifications, gather supporting evidence, and challenge unfair changes in court if necessary.

I Am the Only Named Beneficiary. Can I Share the Death Benefits with My Siblings?

Yes, as the legally designated beneficiary, you have the right to the full payout, but you can choose to share the benefits voluntarily. However, redistributing the funds could have tax and legal implications. Our life insurance attorneys can guide you through the process to ensure compliance with Texas laws.

How Can I Find Out if a Loved One Had Life Insurance?

If you suspect your loved one had a life insurance policy but don’t have the details, check their financial records, bank statements, and emails for premium payments or correspondence. You can also use resources like the National Association of Insurance Commissioners (NAIC) Policy Locator Service. If you need assistance tracking down a lost policy, our life insurance lawyers will help you locate it and recover any unclaimed benefits.

When Should a Spouse Challenge a Life Insurance Beneficiary Designation?

A spouse may need to contest a beneficiary designation if the policy was altered under suspicious circumstances, such as:

Fraud or forgery
Undue influence by a third party
Violation of Texas community property laws

If you suspect wrongful changes to a life insurance policy, our life insurance attorneys will investigate, gather evidence, and take legal action to protect your rightful benefits.

Who Can Change a Life Insurance Beneficiary in Texas?

Only the policyholder can legally modify the beneficiary designation, and all updates must comply with the policy’s terms and Texas state law. If an unauthorized change was made—or if you suspect fraudulent alterations—our Dallas life insurance lawyers will challenge its validity and fight for your rightful claim.

Can the Life Insurance Beneficiary Be Changed After Death?

No—once the policyholder has passed away, the beneficiary designation is final. If someone attempts to alter the payout distribution posthumously, it is likely fraudulent. Our life insurance attorneys will aggressively challenge unauthorized modifications and ensure that benefits are distributed as intended.

What Happens if a Minor Is the Life Insurance Beneficiary?

If a minor is named as the beneficiary, the death benefit is typically placed in a trust or managed by a legal guardian until the child reaches adulthood. If you have concerns about how the payout will be handled, our life insurance lawyers will ensure the funds are properly managed for the minor’s best interests.

What If the Beneficiary Dies Before the Policyholder?

If the named beneficiary passes away before the policyholder, the payout typically goes to a contingent beneficiary if one is listed. If no alternate beneficiary is designated, the benefits may be paid to the policyholder’s estate. Our life insurance attorneys will determine the rightful recipient and guide you through the claims process.

Get Legal Help for Dallas Life Insurance Claims from Boonswang Law

If your life insurance claim was denied, delayed, or disputed, you don’t have to fight the insurance company alone. Our life insurance lawyers in Dallas will take on your case, challenge unfair decisions, and work tirelessly to recover the benefits you’re entitled to.

Start building your case with a Dallas life insurance attorney.