Omar Ochoa Law Firm

Texas Life Insurance Claim Attorney

No Win, No Fee. Guaranteed.

When you're dealing with life insurance claims in Texas, you need a trusted advocate by your side. A knowledgeable life insurance lawyer is ready to help protect your rights and pursue the full amount that the life insurance company owes you.

At Omar Ochoa Law Firm, we are dedicated to helping policyholders and beneficiaries navigate the often complex world of life insurance claims throughout Texas. Whether you're in McAllen, Houston, Dallas, San Antonio, or anywhere else in the state, our seasoned team of life insurance lawyers is here to work in your best interests.

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  • Available 24/7

  • No Fee Until We Win

Trusted Texas Life Insurance Lawyer

We understand that dealing with life insurance claims can be emotionally and financially challenging, especially when you have just lost a beloved family member or friend. That's why we offer compassionate and qualified legal assistance to guide you through the process.

With a proven track record of success, we are committed to securing the benefits and compensation you and your loved ones deserve. Contact us today for a free consultation, and let us advocate for you.

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Understanding Your Life Insurance Policy

Life insurance comes in various types, each designed to meet different needs. In Texas, as elsewhere, the most common life insurance policies include:

  • Term Life Insurance: This policy provides life insurance coverage for a specific term, often 10, 20, or 30 years. It's a cost-effective option with a straightforward payout structure.
  • Whole Life Insurance: Whole life policies provide lifelong coverage and include a savings component known as "cash value." They tend to have higher premiums but offer benefits like guaranteed payouts and cash value growth.
  • Universal Life Insurance: Universal life policies offer flexibility in premium payments and coverage amounts. They also accumulate cash value and allow policyholders to adjust their death benefits.
  • Variable Life Insurance: This type of policy allows policyholders to invest in various options, potentially increasing the cash value. However, it comes with investment risks.
  • Indexed Universal Life Insurance: Combining features of universal life insurance and index funds, this option allows policyholders to link cash value growth to specific financial indexes.

Many life insurance policies provide broad coverage, paying out regardless of the cause of death. However, there may be exceptions or exclusions, which are outlined in the Texas Insurance Code. Common exclusions include deaths due to hazardous occupations or certain activities like parasailing or hang gliding.

If you want to better understand your policy and its coverage, it's advisable to have a skilled life insurance lawyer review it.

Texas Incontestability Law

In Texas and across the U.S., life insurance companies have a limited time frame during which they can contest life insurance claims — a period of two years from when the policy takes effect, which is known as the "contestability period."

If the insured person passes away during this two-year contestable period, the insurer can investigate their lifetime medical history and their original application to check for any misrepresentations or errors. The insurer will assess whether any discrepancies would have impacted the life insurance claim. If so, they may deny the claim or reduce the death benefit.

Sometimes, the premiums would have been affected by an error, but the claim is still valid. In that case, the insurer might adjust the death benefit to account for the higher premiums.

Once this two-year contestability period ends, you can breathe easy. Texas law prohibits the life insurance company from disputing coverage due to application mistakes or misrepresentations after this deadline.

Moreover, merely making an innocent mistake is generally insufficient to reduce or cancel coverage; the insurance company must prove fraud or intent to do so. These legal safeguards help protect the public from insurance companies that seek to deny benefits unfairly.

Why Can a Life Insurance Claim Be Denied?

A life insurance claim can be denied for several reasons, and it's crucial to be aware of these factors to ensure a smoother claims process.

Common issues that insurance companies may raise when denying a claim in Texas include:

  • Undisclosed Preexisting Medical Conditions: The insured had a preexisting medical condition that, if known, might have led the insurer to reject the policy.
  • Behavior Leading to Death: The insured's behavior is deemed to have directly caused their death.
  • Late Claims: The beneficiary filed a claim after a certain time limit specified in the policy.
  • Suspicious Beneficiary Changes: The beneficiary was changed shortly before the insured person's death without a clear reason.
  • Policy Cancellation: The policy was canceled due to nonpayment of premiums.
  • Incorrectly Completed Claim Forms: The required claim forms were not filled out accurately.
  • Questions About Competency: There have been doubts about the insured's mental competency at the time they purchased the policy.
  • Cause of Death Disputes: The insurance company disputes the actual cause of death.
  • Beneficiary Disputes: Multiple individuals claim to be the rightful beneficiaries.
  • Insufficient Documentation: The claimant failed to provide adequate supporting documents.
  • Lack of Medical Information Authorization: Necessary authorizations for the release of medical information were not provided.
  • Policy Contestation: The validity of the policy itself is disputed.

Navigating these complexities requires specific knowledge, and if you believe your life insurance claim has been wrongfully denied in Texas, our skilled life insurance attorney is here to help protect your rights and interests.

Bad Faith Life Insurance Claim Denials

Bad faith life insurance claim denials can be deeply distressing for beneficiaries who are already dealing with the loss of a loved one. Federal and Texas law requires insurance companies to handle claims in good faith. This means they must promptly investigate, fairly evaluate, and timely pay out valid claims.

However, some insurers might engage in bad faith practices by intentionally delaying or denying legitimate claims without a valid reason. Common signs of bad faith insurance practices include:

  • Unreasonable Delays: Insurers may intentionally drag out the claims process without valid cause, causing financial hardship to beneficiaries.
  • Unfounded Denials: Sometimes, insurance companies deny claims without sufficient reason, unfairly withholding the death benefit from the policyholder's beneficiaries.
  • Misrepresentation: Insurers may provide beneficiaries with misleading or incorrect information to deny a claim.
  • Lowball Offers: An insurer might offer an unreasonably low settlement as a tactic to discourage policyholders from pursuing their rightful benefits.
  • Failure to Investigate: An insurer may fail to conduct a thorough and objective investigation into a claim.

When faced with a bad faith life insurance claim denial, beneficiaries have the option to challenge the insurer's actions with the help of a qualified life insurance lawyer. An experienced life insurance attorney can advocate for your rights, investigate the denial, and take legal action if necessary to seek the benefits you are entitled to under the policy.

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As your Texas fire damage claim attorneys, we act in your best interests. We fight hard so you get full coverage for all the home or business repairs you need.

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How Can Omar Ochoa Law Firm Help You?

How Can Omar Ochoa Law Firm Help You?

When faced with life insurance claim denials, you don't have to navigate the overwhelming experience alone. The skilled life insurance lawyers at Omar Ochoa Law Firm are here to help. We focus on Texas life insurance matters and are well-versed in insurance law.

If you believe that your legitimate claim for life insurance benefits has been wrongfully denied or delayed, our skilled life insurance attorneys can take legal action to protect your rights and seek the compensation you deserve.

We can assist you in several key ways:

  • Claims Review: We'll start by thoroughly reviewing your denied claim to identify the reasons for the denial.
  • Legal Knowledge: With our extensive knowledge of insurance laws in Texas, we can assess whether the denial was justified or wrongful and proceed accordingly.
  • Documentation and Evidence: We'll work closely with you to gather documentation and evidence that supports your claim, such as medical records, policy documents, and any other relevant information.
  • Negotiation: Our skilled attorneys are adept at negotiating with insurance companies and may engage in negotiations to seek a fair and just settlement on your behalf.
  • Litigation: If negotiations don't yield a satisfactory outcome, we can prepare to take your case to court — our legal team has a strong background in litigating insurance claims and will vigorously advocate for your rights.
  • Pursuing Full Life Insurance Proceeds: Our primary goal is to pursue every dollar the insurance company owes you.

Dealing with a denied life insurance claim can be too much to handle during an already challenging time. We'll handle the legal aspects of your claim, allowing you to focus on what matters most.

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Don't settle for less than you deserve - let us fight for you.

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Why Choose Omar Ochoa Law Firm for Your Life Insurance Claim?

After a bad faith denial for your valid claim, Omar Ochoa Law Firm is ready to fight for your financial security. What do we offer our clients?

Personalized Advocacy

We recognize that every life insurance claim is unique. Our approach is tailored to your specific circumstances as we provide the personalized attention and solutions you deserve.

Proven Track Record

With a track record of successful case outcomes, our team has the knowledge and legal acumen needed to navigate even the most complex life insurance claims.

Accessibility Around the Clock

Life's uncertainties don't adhere to a nine-to-five schedule, and neither do we. Our team is always ready to address your concerns and provide guidance when you need it most.

No Win, No Fee

Our commitment is straightforward — if we don't secure any money for you, you won't incur any fees. We're dedicated to fighting on your behalf.

Multilingual Support

We understand the importance of clear communication. That's why we offer Spanish-speaking services to help all of our clients engage with us comfortably in their preferred language.

What Our Clients Are Saying

Want to hear more about how we help and what we do? Don’t just take our word for it. Read our real client reviews and testimonials - and see videos from our real former clients. 


Mr. Ochoa was able to help us after a hurricane get us more for our property damage. Also great friendly staff was able to answer all questions!!!

Richard Trevino


First time getting a lawyer for an accident, Omar Ochoa Lw firm was very helpful in providing clear instructions and information to help me battle my motor vehicle case. I would highly recommend.

Jodabeni Dondeli


I am highly recommending Omar Ochoa law firm. We had damage to our roof and were not satisfied with our insurance.  Got recommended to Mr Ochoa he really did all he Could to help us get enough to repair our roof.  Staff are also very friendly and helpful.  This currently helps to feel welcome.  Again I highly recommend if you are looking for help with roof repair and you were not satisfied with your insurance reimbursement

Imelda Garza

Proudly Pursuing Justice Throughout Texas

We serve clients throughout Texas, so wherever you are in the Lone Star State, rely on Omar Ochoa Law Firm to pursue your rightful life insurance benefits. Book your free life insurance case review by visiting our website or calling our team.

Contact a Texas Life Insurance Claim Attorney for a Free Case Review! 

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How does ERISA impact life insurance claims?

The Employee Retirement Income Security Act (ERISA) regulates employee benefit plans, including employer-sponsored life insurance policies. Under ERISA, insurance claims related to such plans may involve specific procedures and deadlines for filing and appealing claims.

It's important to understand the law's requirements and consider seeking legal counsel to navigate the complexities if you encounter issues with an ERISA claim.

How much do your legal services cost?

We operate on contingency, which means that you won't be charged unless we successfully resolve your case and secure compensation for you. Generally, we take a percentage of the amount recovered as our fee.