Bloomberg has a feature story on insurance companies refusing to pay valid claims. According to the article, insurers will find creative reasons to deny claims. These denials pay off, because beneficiaries often don't consult attorneys or want to fight a legal battle. The abuses are particularly common when the policy is purchased through an employer. Those policies are covered by the Employee Retirement Security Act, better known as ERISA. Unfortunately, life insurance claim denials are not uncommon in Texas.