FREE CONSULTATION/ No Recovery = No Fee
Life Insurance Dispute Lawsuit Attorneys
Helping California families after they have been denied life insurance benefits
Riverside / San Bernardino / Los Angeles / Orange County / San Francisco
A disturbing trend in the insurance industry today is the use of false or misleading advertising to market life insurance policies and annuity products to senior citizens. At the Law Offices of Marc Grossman, we take a special interest in these deceptive and predatory practices and work closely with our senior clients to recover the promised coverage plus treble damages for elder abuse, attorney's fees, and punitive damages.
An Insurance Policy Is A Contract
Our California life insurance consumer attorneys at the Law Offices of Marc Grossman are skilled in the identification and prosecution of insurance "bad faith"; that is, when an insurance company acts unreasonably or fails to honor a valid insurance claim. We have negotiated and litigated lawsuits at all levels of the state and federal courts on behalf of clients seeking to hold their insurance carrier in "breach of contract" when they fail to comply with the terms of the policy or delay / obfuscate the processing of a claim. CLICK HERE for more information on the types of tactics the insurance company might use to deny death benefits on a valid life insurance policy.
Annuities
Annuities are vigorously marketed to senior citizens as effective tools to provide for their care during advanced years. Unfortunately, the effectiveness of these programs is often grossly overstated and their cost misrepresented, leaving unsuspecting seniors with no means to provide themselves and placing a significant financial burden on their families. If you have purchased an annuity and you did so after the age of sixty-five (65), it is very important that you contact an attorney from the Law Offices of Marc Grossman to review your situation and advise you of your rights.
Warning Signs: Watch Out For "Trust Mills"
Some things to consider when purchasing annuity or life insurance products:
- Is the person offering these products a legitimate estate planner or financial advisor? What are their credentials?
- Does the agent advise you to move existing savings and assets into their company's investment program, including trusts and annuities?
- Does the agent describe your existing investments as "risky" and suggest "safe" investments provided by their organization? Are these investments insured by the FDIC or registered as securities with the state?
- Does the agent advise you of tax risks and penalties for early withdrawal, including surrender charges?
- Do all documents comply with California state law?
Vanishing Premiums
Another tactic of questionable legality is the practice of "Vanishing Premiums"; that is, claiming the cash value of your policy has been depleted, resulting in cancellation or increased premiums. A skilled insurance attorney from our firm will fight to stop this conscious disregard for your rights in its tracks and recover the full amount of your claim.
At the Law Offices of Marc Grossman, we believe an informed, educated client is best able to make decisions in their own best interest. Considering the information above, we know you'll have questions and we will be happy to sit down with you and your family for a FREE consultation with no further obligation if you feel you have been the victim of insurance fraud or bad faith. Our insurance dispute attorneys take special pride in prosecuting individuals and organizations that victimize the elderly - all insurance lawsuits are taken on contingency, meaning there is no fee or risk until we recover a settlement in your favor.
CLICK HERE for more information on the insurance dispute / "bad faith" practice at the Law Offices of Marc Grossman, including business coverage, homeowner's insurance and major medical.
The California bad faith attorneys and insurance dispute trial lawyers at the Upland Law Offices of Marc Grossman provide sound legal advice and aggressive representation to clients in Los Angeles and throughout northern CA, including Rancho Cucamonga, Riverside, San Bernardino, San Francisco and all of Orange County.
