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Lawsuits and Enforcement guides
Bad faith claim handling by life insurersWhat bad faith means for a life insurance claim, how state law and ERISA change your remedies, and what to document if an insurer stalls or denies unfairly.Universal life cost-of-insurance increases and what to doWhy insurers raise universal life cost-of-insurance charges, what the contract allows, what documented lawsuits found, and what to do if you get a notice.Cost-of-insurance lawsuits against life insurers: cases and outcomesWhy policyholders sue over universal life cost-of-insurance increases, with documented verdicts and settlements and the status of the Lincoln case.Death Master File checks and the unclaimed benefits settlementsHow multistate settlements pushed life insurers to check the Social Security Death Master File and search for beneficiaries, and what that means for you.Employer life insurance, ERISA and beneficiary disputesHow ERISA governs workplace life insurance beneficiary fights: the plan-documents rule, Egelhoff, Kennedy, claim deadlines and how to protect your form.Life insurance class actions: documented cases and what they paidDocumented life insurance and annuity class actions with sources and outcomes, plus how to handle a settlement notice, opt out, or check that one is real.Market conduct exams: how regulators audit life insurers and issue finesWhat a market conduct exam covers, how MCAS data and multistate exams work, and documented fines on life insurers in Pennsylvania and Connecticut.Stranger-originated life insurance (STOLI): what it is and why it is restrictedHow stranger-originated life insurance works, why courts and regulators treat it as lacking insurable interest, and what the NAIC and NCOIL waiting periods say.Twisting and churning: replacement sales abusesTwisting and churning are misleading replacement sales that benefit the seller. What the NAIC models require, warning signs and how to check a replacement.When to hire a life insurance lawyerMost life insurance claims need no lawyer. Learn the situations where one helps, how fees usually work, what to bring to a first call and how to vet the firm.