Life insurance claim denied, TX bad faith insurance laws

Life insuracne clai denied: I was in the process of filing a claim for Life insurance AD&D for my late husband. Now after a year and something I finally was able to get an answer out of the medical examiner who works my claim. He stated to me that my claim would be denied and that I will get the paper work stating the reason in days. he went on to tell me that the claim would be denied due to my husband blood alcohol level and other stuff that was on his death cet. My husband died so they say from toxic effects of opiates--no drugs he was taking cough syrup which had codeine in it was prescribed. You can't even get this type of medicine w/o it being so. He also died of chronic ethanol abuse and also his High blood pressure contributed to his death. I don't understand the life insurance ruling and need help as to what I should do I do think that I should get some of the insurance not all if that need be because all the premiums was paid and how can one tell another how they should have died. I don’t want to get myself worked up over all this again need help. - Is this your question? Add additional information