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Our client was the HR Manager for a nationwide business. Like many, she Googled for help getting her ERISA governed disability benefits when her claim was denied by New York Life. Like many, she clicked on a firm claiming nearly miraculous “success rates” and asserting they were the Best Lawyer Anywhere Ever! What she didn’t...

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Life insurance is a valuable safety net to protect your family from financial hardship in the event of your passing. Whether you’re a young adult, middle-aged, or a senior, it’s generally a good idea to have some kind of coverage set up to cover medical bills, living expenses, funeral expenses, etc. However, as there are...

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To begin, we need to understand what makes a life insurance policy “instant” life insurance. In simplest terms, instant life insurance is an insurance policy that is issued without the usual detailed underwriting process. Normally, life insurance companies want to know the risks they are undertaking when they sign up to insure a life.  Is...

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