Insurance companies, despite some of their warm-and-cuddly advertising, aren't in business to make your life wonderful, they're in business to make a profit. Sometimes, that leads to dubious, or even entirely unjustified, refusals to pay claims.

This situation has a very simple either-or:  either the policy was still in force, and they have to pay the death benefits, or they have to refund all of the premiums they collected after the cancellation -- which they'll have to prove.

Please get a lawyer to help you with this, because it's the only way you can deal with an insurance company on something like a level playing field.

Sounds like a typical insurance company move.  Take in the premiums but do not pay the claim.

Insurance companies are in the business to make profits and one easy way for them to do this is by denying or delaying claims.

You need to speak with a Texas denied insurance claim attorney ASAP. 

For free information on Texas denied insurance claims, please visit www.kiplawfirm.com

You can also send a confidential e-mail through this website or call (214) 800-3454.

Respectfully,

Jason