Life insurance seems like a no-brainer. If you buy life insurance and die, your beneficiary receives a payout, right? Not necessarily. There can be several reasons why life insurance is not paid. All policies contain an exclusion that would preclude payment or state grounds that can cause coverage to lapse […]
Employee Retirement Income Security Act civil procedure often departs in significant respects from the normal civil procedure utilized uniformly by federal courts in all civil actions in accordance with the Federal Rules of Civil Procedure. One aspect of ERISA civil procedure that is especially questionable despite its near-uniform acceptance by the federal judiciary is the […]
What is a crime? Because accidental death policies exclude coverage if death occurs in the course of a commission of a crime, the question can be challenging as a recent decision by the 10th U.S. Circuit Court of Appeals illustrates. The ruling in Caldwell v Unum Life Insurance Company of America, 2019 WL 4463495 (10th […]
Life and accidental death insurance policies can be an important part of an individual’s financial planning to provide security for their families.
After the death of a spouse or loved one who is providing you financial support, one of the first questions that arises is whether the decedent had life insurance. But even if there is a policy in effect, the insurance company may be telling you that payment is being delayed or possibly even denied because […]