The recent case, Prudential Insurance Company of America v. Sheppard,1 decided by the Federal District Court for the Middle District of Florida, highlights the importance of reviewing life insurance policy beneficiary designations for clarity and accuracy, to ensure that death benefits are properly paid to the intended beneficiaries. In this case, an employee of the Mayo Clinic […]
Insurance is supposed to give us some level of confidence that should coverage be needed, it will be there. Often, however, this expectation does not correlate with reality, and beneficiaries are faced with unexpected denials on technical grounds. Life insurance is no exception. A common life insurance policy provision referred to as a “contestability clause,” […]
The California Court of Appeals recently confirmed California’s support for the notice-prejudice rule. The notice-prejudice rule requires insurers that deny coverage based on a failure to provide notice under the policy to show that they have been prejudiced by the untimely or insufficient notice. The Court held that a policyholder who failed to notify her […]
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