Robinson+Cole is one of the few firms in the Northeast with a dedicated ?team of lawyers and nonlawyer professionals who focus on representing life, disability, and AD&D insurers.
We advise and defend life insurers on policy coverage matters on the individual and group markets for insurance and financial services products. We have litigated significant cases in the Northeast on a host of issues, including the following:
? ?policy rescission
? ?application misrepresentation
? ?interpleader actions
? ?market conduct claims involving allegations of deceptive trade and unfair insurance practices?
Additionally, we have defended claims that include the following:
? ?vanishing premiums
? ?agent misconduct
? ?deceptive sales practices
? ?suitability claims
We represent leading insurers in the individual and group disability coverage market in claim litigation involving all types of disability insurance products such as the following:
? ?declaratory judgment actions involving failure of insureds to comply with policy terms and conditions?
? ?rescissions based on application misrepresentation
? ?recovery of disability benefits in cases of fraud and overpayment
? ?defense of cases involving complex disability claims relating to psychiatric conditions, post-traumatic stress disorder, chronic fatigue, and fibromyalgia
? ?defense of common law and statutory bad faith claims, including punitive damages?
We defend claims for accidental death and dismemberment coverage in the individual and group benefits context. We have litigated cases involving these issues:?
? ?proximate cause
? ?existence of an accident
? ?policy exclusions for suicide, alcohol use, and illegal narcotics
In addition to defending individual and group benefits claim disputes, we also defend insurers in class action and market conduct litigation and in regulatory enforcement actions by state insurance departments and attorneys general. We also regularly counsel life and disability insurers on compliance with state insurance law requirements.
Our lawyers are leaders in the following professional associations and industry groups involving the business of life, disability, and AD&D insurers:
? ?the Defense Research Institute's Life, Health, and Disability Committee
? ?the ABA's Tort Trial and Insurance Practice Section’s Committee on Life, Health, and Disability Insurance
? ?the Association of Life Insurance Counsel (ALIC)?