ATTORNEY NEWSLETTER
Voya Annuity and Universal Life Insurance Products
The life insurance and annuity attorneys at Evans Law Firm, Inc. represent California consumers, especially seniors, who have suffered losses on all types of life insurance and annuity contracts, including variable and fixed annuities, indexed annuities, and equity indexed universal life insurance. Voya Financial, Inc., a financial conglomerate that targets retirement investments, issued annuities and universal life insurance policies to California consumers through its subsidiaries Voya Insurance and Annuity Company, Security of Denver Life Insurance Company, Reliastar Life Insurance Company, and Voya Annuity and Life Insurance Company. If you or a loved one is a California resident over age 60 who purchased a Voya or Reliastar, or Security of Denver Life Insurance Company annuity or universal life insurance policy in the last four years call the annuity lawyers today at Evans Law Firm, Inc. (415) 441-8669 for a free evaluation of your particular policy.
Voya’s Annuity and Life Insurance Business
Voya sells its financial products in California through Voya Financial Advisors, Inc. and through Voya product partners such as World Financial Group or other advisory and brokerage firms. Voya’s book of annuities and life insurance has recently shifted. In 2018, Voya Financial divested itself of much of its annuity business to a consortium called Venerable Holdings, Inc., and announced later that year that it will no longer sell individual life insurance. Nevertheless, over 785,000 existing individual life insurance policies are still in force including a large number of indexed universal life insurance policies. A large Voya book of variable, fixed, and fixed indexed annuities is also still in force. Insurance and annuity carriers like Voya often sell blocks of their underlying businesses and our attorneys can trace the carriers obligated to pay out your benefits over time. Our lawyers always begin by analyzing the policy exactly as it was sold to you and can determine the agent, advisor or broker who sold the contract to you in the first place.
Variable, fixed and indexed annuities and universal life insurance contracts, including those issued by Voya and its subsidiaries, carry fees and withdrawal charges and advertise and produce returns which may not meet your expectations or the rates promised by your salesman. Our attorneys will analyze what you offered, what you were sold, and how your policy has worked in real life. California law mandates specifics disclosures to senior consumers in particular and our lawyers will analyze whether Voya or any other carrier has satisfied all legal requirements regarding agent and carrier disclosures. When an agent or carrier violates these protections for seniors, the violation may also constitute financial elder abuse entitling the senior to extra damages and recovery of attorneys’ fees and costs incurred in bringing a successful lawsuit against the carrier or agent.
Contact Us
If you live in California and are over age 60 and purchased a Voya Insurance and Annuity Company, Security of Denver Life Insurance Company, Reliastar Life Insurance Company, and Voya Annuity and Life Insurance Company annuity or universal life insurance policy in California within the last four years, contact Ingrid M. Evans and the other annuity attorneys at Evans Law Firm for a free evaluation of your policy at (415) 441-8669, or by email at <a href=”mailto:info@evanslaw.com”>info@evanslaw.com</a>. Our attorneys have experience with complex financial contracts including life insurance and annuity contracts. We can help guide any litigation through a jury trial or toward an equitable settlement. We also handle cases involving physical and financial elder abuse, qui tam and whistleblower law, nursing home abuse, whole life insurance and universal life insurance, and indexed, variable, and fixed annuities.
Annuities and life insurance produce large sales commissions for brokers but are often inappropriate products for consumers, especially seniors. Leading providers and distributors of life insurance and fixed, variable and fixed indexed deferred annuities in California, including Voya, are listed below. We are not in any way suggesting that any of these carriers or distributors has done anything wrong. Rather, the list is provided solely as a reference for our readers.
AIG/American General Life Insurance Company
Allianz Life Insurance Company of North America
American Equity Investment Life Insurance Company
American General Life Insurance Company/AIG
American International Group, Inc. (AIG)
American National Life Insurance Company
Ameriprise Financial/RiverSource Life Insurance Company
Ameriprise Financial/Securities America, Inc.
Athene Annuity & Life Assurance Company
Athene Annuity and Life Company
Athene USA
Aviva Life Insurance Company
AXA Equitable Financial Services, LLC
AXA Equitable Life Insurance Company/AXA US
AXA Advisors, LLC
Bankers Life Insurance and Casualty Company
Berkshire Hathaway Group
Berkshire Hathaway Life Insurance Company of Nebraska
Brighthouse Financial, Inc./MetLife
Citigroup Global Markets, Inc.
Crump Life Insurance Services, Inc.
CUNA Mutual Group/CMFG Life Insurance Company
Delaware Life Insurance Company
EquiTrust Life Insurance Company
Fidelity & Guaranty Life Insurance Company
Forethought Life Insurance Company/Global Atlantic Financial Group
Genworth Financial, Inc.
Genworth Life and Annuity Insurance Company
Genworth Life Insurance Company
Global Atlantic Financial Group/Forethought Life Insurance Company
Guardian Life Insurance Company
Guggenheim Partners/Security Benefit Life Insurance Company
ING USA Annuity and Life Insurance Company
Jackson National Life Insurance Company
John Hancock Life Insurance Company
Lincoln Benefit Life Company
Lincoln Financial Group
Massachusetts Mutual Life Insurance Company
Merrill Lynch Life Agency Inc.
Metlife/Metropolitan Life Insurance Company/Brighthouse Financial, Inc.
Minnesota Life Insurance Company
National Life Group
National Life Insurance Company/Equity Services, Inc.
National Western Life Insurance Company
Nationwide Life Insurance Company
New York Life Insurance Company
North American Company for Life and Health Insurance
Northwestern Mutual Investment Services, LLC
Northwestern Mutual Life Insurance Company
Northwestern Mutual Wealth Management Company
Oxford Life Insurance Company
Pacific Life Insurance Company
Principal Financial Group
Prudential Life Insurance Company
Raymond James Insurance Group
Reliance Standard Life Insurance Company/Tokio Marine Group
Reliastar Life Insurance Company/Voya Financial
RiverSource Life Insurance Company/Ameriprise Financial
Securities America, Inc./Ameriprise Financial
Security Benefit Group, Inc.
Security Benefit Life Insurance Company/Guggenheim Partners
Security Investors, LLC
Security of Denver Life Insurance Company
The Standard Life Insurance Company
Symetra Financial Corporation
Symetra Life Insurance Company
Transamerica Life Insurance Company
The United States Life Insurance Company in the City of New York
Unum Life Insurance Company of America
USAA Life Insurance Company
The Variable Annuity Life Insurance Company
Voya Annuity and Life Insurance Company
Voya Insurance and Annuity Company
Voya/Reliastar Life Insurance Company
Wells Fargo Advisors
Western & Southern Financial Group
The Western & Southern Life Insurance Company
World Financial Group Insurance Agency, Inc.
