Questions & answers · Life insurance
Life insurance claim questions
31 short answers. Each one quotes the official rule it is based on, with the date we checked it. Information only — not legal advice.
Any state · federal rules (7)
- A life insurer denied the death claim because of a mistake on the application, and the policy is 18 months old. Is that allowed?Denied
- Does life insurance pay if the death was from an illness or old age?Who pays
- How do I file an employer life insurance claim after a death, and how long does the plan have to answer?How to file
- My AD&D (accidental death) claim was denied because of drugs. Can they do that, and what can I do?Denied
- Should I buy term life insurance or permanent life insurance?Buying a policy
- The life insurer is investigating my husband's death because it was within two years of buying the policy. What does that mean for me?Slow or stuck
- Who pays a death benefit, how long does an employer group life claim take, and will my health plan or Medicare pay anything when someone dies?Who pays
Minnesota (1)
- My ex-spouse is still named as the beneficiary on a life insurance policy after our divorce. Who gets the money?Who pays · Minnesota, Texas
Texas (22)
- A child under 18 is the beneficiary of a life insurance policy. Who can receive and manage the money?Who pays · Texas
- A life insurer denied the death claim, saying the application had wrong answers. Can they do that?Denied · Texas
- After my life insurance claim for a death, what about repayment, subrogation or premium changes?After payment · Texas
- Can I borrow money from my life insurance policy, and what happens if I do not pay it back?After payment · Texas
- Do I need a lawyer for my life insurance claim for a death, and is this bad faith?Lawyer / bad faith · Texas
- How can I get paid a life insurance death benefit — all at once or over time — and do I owe tax on it?How to file · Texas
- How do I appeal a life insurance denial for a death?Appeal · Texas
- How do I get an outside review or file a state complaint about my life insurance claim for a death?Complaint / outside review · Texas
- I am leaving my job. Can I keep my work life insurance or turn it into my own policy?Who pays · Texas
- I became disabled and cannot work. Will my life insurance stop charging me premiums?Who pays · Texas
- I missed a life insurance payment. Is my policy still good, and can I get it back if it lapsed?After payment · Texas
- My family member died. How do I claim the life insurance, how long does the company have to pay, and what if we can't find the policy?How to file · Texas
- My life insurance claim for a death is delayed — what can I do?Slow or stuck · Texas
- My life insurance denied my claim for a death — why, and is that allowed?Denied · Texas
- My term life insurance is ending soon. Can I renew it, turn it into a permanent policy, or will the price go way up?Buying a policy · Texas
- Question about my life insurance claim for a deathHow to file · Texas
- The insurer denied a death claim because of the suicide clause. How long does that last?Denied · Texas
- The life insurance company denied the death claim, saying the application was wrong. Can they do that?Denied · Texas
- The life insurer paid the base death benefit but not the extra accidental death amount. How do I check if we are owed more?Paid too little · Texas, Washington
- What is the deadline to file a life insurance claim for a death?Deadlines · Texas
- Who pays for a death — will my life insurance cover it?Who pays · Texas
- Will life insurance pay out if the death was a suicide one year after the policy was purchased?Denied · Texas