Life Insurance Lawyers in Texas

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A Denied Claim Isn’t The End of Your Case. Let Us Fight For You.

You’ve already lost someone you love, and now you’re facing a denied claim. Our life insurance lawyers in Texas step in to pursue the benefits that were meant for you.

Insurers may point to an application answer, missed premium, or policy exclusion as a reason not to pay. Texas law sets limits on when those arguments can be used to withhold a death benefit.

With 20+ years of experience, our life insurance attorneys take on denied claims, ERISA disputes, accidental death (AD&D) denials, and TSGLI disputes.

We’ve secured over $200 million for clients in Houston, San Antonio, and throughout all 254 Texas counties, as well as nationwide in Florida, New York, California, New Jersey, and beyond.

If the insurer’s explanation doesn’t hold up, we’re ready to take a closer look.

“This was truly a difficult case, these guys are a true championship team.”

Hear From Clients We’ve Helped

“5 stars is just not enough for Mr. Boonswang (Chad) and his team. This is the firm that you want to have on your side when you are facing intricate legal problems. They are incredibly professional, empathetic, and knowledgeable. Excellent communication. Easy to work with. Chad went above and beyond on our case- we can't recommend Boonswang Law enough!”

“They have been awesome with my case. Joseph is an excellent attorney. He is competent with up to date knowledge, kindness and compassion. I would highly recommend and trust them.”

Texas Laws That Can Affect Your Life Insurance Claim

Texas law sets specific rules for missed premiums, application statements, contestability, and how quickly insurers must pay covered claims.

Missed Premiums: Under Texas Insurance Code § 1101.005, individual life policies generally must provide at least one month to make an overdue premium payment while the policy remains in force.

Two-Year Incontestability Rule: Under § 1101.006, a life insurance policy generally becomes incontestable after it has been in force during the insured’s lifetime for two years, with limited exceptions such as nonpayment of premiums.

Intent to Deceive: Texas does not let an insurer void a life policy simply because an application answer was wrong. The insurer generally must show the statement was material and made with intent to deceive.

Prompt Payment Rules: Chapter 542 of the Texas Insurance Code sets deadlines for insurers once they have the information reasonably needed to process a claim.

18% Interest + Attorney Fees: A qualifying prompt-payment violation can require the insurer to pay 18% annual interest on the claim amount plus reasonable and necessary attorney fees.

Since life insurance law varies by state, a policy in Texas may be subject to different restrictions than a policy in Arkansas, New Mexico or Colorado.

Is Your Life Insurance Claim Denial Legitimate?

A denial letter reflects the insurer’s position, not necessarily the final answer. The policy language, application, payment history, and supporting evidence all matter.

Common Reasons Life Insurance Claims Are Denied:

Alleged mistakes or missing details on the application
Missed premium payments leading to a lapse in coverage
Policy exclusions tied to the cause of death
Disputes over the rightful beneficiary
Reviews during the contestability period

Signs the Insurance Company May Be Acting in Bad Faith:

Delays with no clear explanation or updates
Twisting or misapplying policy language
Ignoring medical records or supporting evidence
Canceling or disputing coverage after a claim is filed

Texas law prohibits certain unfair claim practices, including denying coverage without a reasonable investigation and failing to pursue a fair settlement when liability is reasonably clear.

Our life insurance attorneys will review the details and fight for your payout.

The Texas Department of Insurance lets consumers check an insurer’s license and complaint history or file a complaint about a life insurance company.

We Fight Back Against All Types of Benefit Disputes

Life insurance disputes can involve the application, premium history, beneficiary designation, employer coverage, or the insurer’s handling of the claim.

Our life insurance lawyers represent beneficiaries throughout Texas in matters including:

Denied Life Insurance Claims

ERISA Group Life Insurance Claims

Accidental Death (AD&D) Denials

Beneficiary Disputes

Delayed Death Benefit Payments

Lapsed Policy Disputes

Alleged Misrepresentation on Applications

Employer Notice Failures

TSGLI Claims

Some claims involve more than one issue. We can sort through the policy, denial, and claim history to identify what is preventing payment.

Expert Legal Insights From Boonswang Law: Video Guides for your Claim

Facing a denied life insurance claim and not sure what to do next? Check out our full YouTube channel to learn more about your rights as a beneficiary and how we fight to get you paid.

Play

Life-Changing Settlements We’ve Recovered For Past Clients

$1.25M

ING Insurance Company

$1M

New York Life Insurance Company

$780K

AIG American General Life Insurance Co.

Denied Claim? Follow These Steps

Before responding to the insurance company, make sure you know exactly what it relied on and preserve the records that could help challenge its decision.

Ask for the Exact Reason for the Denial

Have the insurer provide its explanation in writing, along with the documents and policy terms it used.

Gather Evidence Related to the Policy

Set aside the application, coverage documents, premium receipts, claim paperwork, beneficiary forms, and all communication with the company.

Wait Before Accepting a Payment or Signing a Release

A partial offer may be less than you’re entitled to, so don’t give up your rights before the claim has been reviewed.

Have a Life Insurance Attorney Review the Claim

An attorney can identify the Texas or federal rules that apply and determine whether the insurer has enough support for its position.

The sooner you take action, the stronger your case can be. Whether you’re in Dallas, Austin, Fort Worth, or another area in Texas, our attorneys are ready to fight for your benefits.

You Won’t Pay Until We Win Your Case

You don’t have to worry about upfront legal fees or out-of-pocket costs to get started.

We handle life insurance cases on a contingency basis, which means you only pay after we successfully recover your benefits.

Our Strategy for Securing Your Benefits

Boonswang Law can represent Texas beneficiaries through attorneys admitted in Texas and, when needed for a particular matter, attorneys admitted pro hac vice with court approval.

We examine the claim from every angle, including:

Reading the policy to establish what should be payable
Identifying the Texas or federal rules that govern the dispute
Comparing the denial with the application and claim record
Checking premium history, medical records, and supporting documents
Filling gaps in the insurer’s investigation with additional evidence
Taking over communication and negotiations with the carrier
Appealing the decision or filing suit when necessary

Representing Beneficiaries Across Texas

Amarillo
Arlington
Austin
Clint
Corpus Christi
Dallas
El Paso
Fort Worth
Garland
Grand Prarie
Houston
Irving
Laredo
Plano
San Antonio

Find Out What the Insurance Company May Still Owe You

If your Texas life insurance benefit was denied, delayed, or reduced, we can examine the policy and claim record to determine what payment may still be available.

Get a free case evaluation and find out what your next move should be.

Our Attorneys Answer Your Top Life Insurance Questions

Yes. Under Texas law, a beneficiary designation naming a former spouse generally becomes ineffective after divorce unless an exception applies, such as the divorce decree preserving the designation or the former spouse being redesignated afterward.

Sometimes. Texas generally gives individual policyholders at least one month after a missed premium before coverage ends, so the payment history and actual lapse date should be checked carefully.

Yes, if there are concerns about pressure, fraud, or the policyholder’s mental state, that change may be challenged.

No, once the policyholder passes away, the named beneficiary is typically final and cannot be altered.

The Texas Department of Insurance directs families searching for lost coverage to the NAIC Life Insurance Policy Locator, a free service that can help locate a deceased person’s life insurance policy or annuity.