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Lawsuits and Enforcement blog
Bad faith in life insurance claims, questions and answersPlain answers to common questions on bad faith in life insurance claims, from how it differs from a wrong denial to remedies, deadlines and documenting delay.You received a class action notice about your policy, so what now?A step-by-step playbook for reading a life insurance class action notice, checking it is real, weighing stay in, opt out or object, and filing a claim form.A class action from complaint to payout, in general termsThe stages of a life insurance class action in order, from filing and class certification to settlement approval and payment, with a worked fee example.Complaint, appeal or lawsuit, choosing a route for a denied claimAn internal appeal, a regulator complaint and a lawsuit differ in speed, cost and power. A decision list shows which to use first and when to call an attorney.How cost-of-insurance disputes begin in the contract languageWhat the cost-of-insurance clause says, how guaranteed and current charges differ, what a contract allows, and how a gap with practice becomes a dispute.From market conduct exam to consent order, an enforcement timelineThe stages of a state market conduct exam in order, from selection and document requests to findings, a consent order and public records.A worksheet to test your universal life statement for charge creepA repeatable worksheet for pulling charges off a universal life annual statement, computing cost per $1,000 at risk, and knowing when to ask the insurer.A checklist of claim delays regulators treat as unfair practicesA grouped checklist of claim behaviors that state fair-claims rules target, with why each matters and how a beneficiary can track them with dates.