ATTORNEY NEWSLETTER It’s been a long time since life insurance was a risky business. In the last century and a half, reformers have created a sold, staid industry that is compelled by law to invest the bulk of its customers’ money in low-yield, low-risk bonds that are guaranteed to produce […]

Why Protecting Whistleblowers Pays Dividends ATTORNEY NEWSLETTER At a time when businesses and governments seem more eager than ever to cover up their wrongdoings, it’s worth asking what benefit there is in strong whistleblower protections. The benefit to the whistleblower is obvious: these protections enable them to act on their […]

ATTORNEY NEWSLETTER If you’re thinking of buying Index Universal Life Insurance or Variable Universal Life Insurance, you might want to think again. These types of Life Insurance rarely return what they cost, and frequently fail to perform anywhere near what consumers are told. Before taking that risk, we want to […]

High Risk, Low Reward: What to Know Before You Buy An Annuity ATTORNEY NEWSLETTER The financial market is fraught with complex money-making schemes, many targeted toward those without the background to fully understand what they’re putting their money into. Although people are growing more wary of Ponzi schemes and other […]

The Evolution of Life Insurance: Newest Trend Index Universal Life ATTORNEY NEWSLETTER For many people life insurance is a no brainer. We are told it is part of a secure financial plan that will help family members and loved ones funerals costs and even pending financial responsibilities. But the reality […]

ATTORNEY NEWSLETTER Consumers should be aware that insurance companies can raise the Cost of Insurance (COI) rates on non-guaranteed life insurance products, resulting in higher monthly policy charges. When there is a change in expectations as to future experience, insurance companies can increase the current COI rates to no greater […]

ATTORNEY NEWSLETTER Thanks to whistleblower George Karadsheh, a doctor who was improperly giving patients chemotherapy was stopped. Dr. Farid Fata, a Michigan doctor, was recently sentenced to 45 years in jail. According to prosecutors, Fata mistreated over 500 patients. In some cases, he was administering chemotherapy to people who did […]

ATTORNEY NEWSLETTER Annuities are complex products that often have hidden fees and costs. It is recommended that consumers carefully review any policy and consider their options before purchasing any annuity policy. Both indexed and fixed annuities have risks for the consumer. Penalties such as surrender charges and forfeiture charges can […]

ATTORNEY NEWSLETTER Thanks to new legislation recently signed by Governor Jerry Brown, insurance carriers in California will no longer be allowed to levy surrender charges against a policy’s death benefit. California elder abuse attorneys say that the law, which takes effect on January 1, 2016, will protect more senior citizens. […]

ATTORNEY NEWSLETTER Affinity fraud is a type of investment scam that targets members of certain groups, such as religious or ethnic communities, or the elderly. It usually involves a fake investment, or an investment where the scammer has left out important details. According to San Francisco consumer fraud attorneys, affinity […]