Questions & answers · Life insurance
How do I get an outside review or file a state complaint about my life insurance claim for a death?
Life insuranceComplaint / outside reviewTexasChecked Nov 6, 2026
From K.Actuary, founded by Sangmin Kwon, ASA · sources checked 2026-11-06 · Source: TDI View original ↗
In short
- For a life claim, the outside check is a state complaint, not a medical review.
- File it with TDI online today and attach your papers.
- TDI cannot undo fees your policy spells out, or stop a rate increase.
What this means
These sources give no clinical outside review for a life insurance claim. There is no independent medical review of a death claim here. What you do have is a state complaint.
File it with TDI online. You can attach supporting documents, so send the denial letter, the policy, and your letters with the company [1].
Know what a complaint cannot do. TDI says it cannot make a company return surrender charges or other fees that were outlined in your policy. It also says it cannot stop a company from increasing life insurance premiums [2].
If the outcome still does not satisfy you, the same page names the next step. It points you to resources for finding legal help if you want to sue the insurance company [3].
Your next step
File the complaint with TDI online and attach the denial letter, the policy and your letters [1]. The sources give no deadline for TDI's own answer, so ask for a reference number when you file. If nothing changes, read Step 3 on that page about legal help [3].
Check it yourself
Open TDI's life and annuity complaint page. Read Step 2 in full, including the list of things TDI says it cannot do [2]. Then read Step 3 [3].
Where this comes from (3)
[1] TDI · checked 2026-11-06
Use our online complaint system . You can attach supporting documents.
[2] TDI · checked 2026-11-06
Before you complain to us, understand that there are some things we can't do: We can't make a company return any surrender charges or other fees that were outlined in your policy. We can't stop a company from increasing life insurance premiums.
[3] TDI · checked 2026-11-06
If you're still not happy with the outcome of your claim and you want to sue your insurance company, use these resources to find legal help
How we found this
We matched your question to 3 official sources, quoted the exact lines, and re-checked each quote against its source on 2026-11-06.
What we don’t know yet
Your own plan or notice may say something different. If your letter cites another rule, send it and we will look again.
Every answer is checked against the official rule it quotes.
Information only — not legal advice. Your plan, insurer or agency decides.
This answer quotes the official sources listed above, with the date we checked them. Your own policy, notice and state rules control. We are not your lawyer or your insurer. We don’t file, argue or negotiate claims for you — you send any letter or form yourself.
Answer id CQ2034. Spotted an error? Tell us.