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Texas Life Insurance 
Lawyer

If your health insurer is trying to get out of paying what it owes, you need a health insurance lawyer to help you fight back.
FREE CASE EVALUATION

Health Insurance Claim Denied?

Life insurance claims can be the key to maintaining financial security after a loss, but life insurance companies sometimes try to get out of paying what they rightfully owe. A bad faith life insurance attorney can help you determine what you may be owed and the right path to take to get it.
When someone signs up for a life insurance policy, they and the life insurance company are making an agreement: they’ll pay their monthly premiums, and in exchange, the insurer will pay out life insurance benefits to the policy beneficiaries in the event of the policyholder’s death. Unfortunately, your needs are usually not the top priority for insurers, and they may do everything in their power to get out of paying what they owe. That’s where Millin & Millin Attorneys come in.
With help from a life insurance lawyer, life insurance beneficiaries can file a lawsuit to seek compensation after a bad faith claim denial. A successful claim may reward the beneficiary the full amount of the valid claim, as well as other damages for things like severe wrongdoing or fraud by the insurance company. If you think your life insurance claim was wrongfully denied, delayed, or underpaid, you need to talk to a Texas life insurance lawyer.

Common Bad Faith Insurance Tactics

Delay

Putting Off Payment

Some insurers will delay the payment of life insurance benefits in the hopes that beneficiaries will give up.

Deny

Without a Valid Cause

If your insurer denied your claim without a valid cause or refused to justify their judgment, that’s bad faith.

Misrepresent

Misleading Policyholders

Insurance providers may misrepresent policies to policyholders before death, or make misleading statements to beneficiaries.

Refuse to Investigate

No Fair Investigation

Under Texas law, insurance companies are required to carry out a fair and thorough investigation of claims by policyholders.

Misdistribution

Ignoring Beneficiary Designations

Life insurance companies may sometimes disregard beneficiary designations from policyholders and misdistribute benefits.

Why Should You Choose Millin & Millin Attorneys?

Get help from an insurance law firm that will put your needs first.

If you’re dealing with a bad faith insurer, you need help from an experienced life insurance lawyer. Our attorneys have the expertise you need to get whatever coverage you’re owed.

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FREQUENTLY ASKED QUESTIONS

Unfortunately, there are many valid reasons why a life insurance claim may be denied. Among the most common reasons are a failure to pay premiums, inaccuracies on the insurance application, life insurance policy expiration, or the actual cause of death. Death by suicide or death due to criminal activities will both render a life insurance policy void.
The process for seeking compensation after a life insurance claim denial can vary depending on the cause of the denial. In some cases, you may be able to file an appeal with the insurance company to provide additional support for your claim in an effort to reverse the denial. If this appeal is unsuccessful, you may want to file a complaint with the Texas Department of Insurance. If both of these tactics fail, you should consider filing a lawsuit with help from an insurance lawyer to pursue compensation.
If your loved one’s life insurance policy was provided through an insurer, you may need to file an ERISA lawsuit to seek benefits after a claim denial. ERISA stands for The Employee Retirement Income Security Act of 1974 and is meant to ensure fair compensation for insurance claims by employees. You will only need to make an ERISA claim if your loved one was insured by an employer. These claims can be especially complex, so be sure to consult with a capable attorney before taking this sort of legal action.
The vast majority of all legal cases are settled long before any visits to a courtroom. Instead, the litigation is usually settled before the case reaches court. However, Millin & Millin Attorneys is prepared to go all the way to get you the compensation that you deserve, including fighting for you in a court of law.
In Texas, insurance companies generally have two years from the point at which your policy is issued in which to contest the validity of your policy based on the information provided in your application. This is what’s known as the incontestability period. In practice, this means that your insurer will have two years to thoroughly investigate your application and medical history. After that time has elapsed, the insurance company can only invalidate your claim in a few cases, primarily in the case of missed premiums.

WHAT OUR CLIENTS ARE SAYING

  • John and his team did a great job for us! Tried on my own to get the insurance company to do right by us after storm damage to our roof, but they would not cooperate. Millin and Millin helped us get what we deserved.
    Kevin Pagan

  • We have worked closely with Millin & Millin twice on weather related insurance claims and both times we were so grateful for their expertise in guiding us through the process. Our experience with Millin&Millin can only be described as excellent.
    Chris Henderson

  • We cannot recommend Millin & Millin attorneys highly enough for anyone facing challenges with their insurance claims. Their efficient and effective approach, combined with their professionalism and expertise, truly sets them apart in the legal field. Thank you Millin & Millin, for your exceptional service and support and retrieving the appropriate amount from the insurance companies to fix the damages to our home.
    Chris & Vanessa Curl

  • I had a dispute with my landlord about water and mold damage in my apartment. Millin and Millin worked with me diligently to reach a desirable conclusion. They thoroughly explain all legal documentation and advise you at every step of your legal process. Their expertise and knowledge is excellent, and they will fight for you until you get the outcome you deserve.
    Caroline Harms

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