Life, AD&D, and Disability Insurance

Robinson+Cole is one of the few firms in the Northeast with a specific team of lawyers and nonlawyer professionals focusing on representation of life, disability, and AD&D insurers. In addition to defending individual and group benefits claim disputes, our experience in this area includes defending 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 professional associations and industry groups involving the business of life, disability, and AD&D insurers. We participate in the Defense Research Institute's (DRI) Life, Health, and Disability Committee and the ABA's Tort and Insurance Practice (TIPS) Committee on Life, Health, and Disability Insurance. Our lawyers also have membership in the Association of Life Insurance Counsel (ALIC).

Life Insurance

We advise and defend life insurers on policy coverage matters on the individual and group product markets for insurance and financial services products. We have litigated significant cases in the Northeast regarding policy rescission, application misrepresentation, interpleader actions, and market conduct claims involving allegations of deceptive trade and unfair insurance practices. Our experience includes defending claims involving vanishing premiums, agent misconduct, deceptive sales practices, and suitability claims.

Disability Insurance

We represent leading insurers in the individual and group disability coverage market in claim litigation involving all types of disability insurance products. We have brought declaratory judgment actions involving failure of insureds to comply with policy terms and conditions. We have obtained rescissions based on application misrepresentation, and we have obtained relief by recovering disability benefits in cases of fraud and overpayment. We regularly defend cases involving complex disability claims relating to psychiatric conditions, post-traumatic stress disorder, chronic fatigue, and fibromyalgia. Our experience in this area includes the defense of common law and statutory bad faith claims, including punitive damages.

AD&D Insurance

We defend claims for accidental death and dismemberment coverage in the individual and group benefits context. We have litigated cases involving issues such as proximate cause, existence of an accident, and policy exclusions for suicide, alcohol use, and illegal narcotics.

    • Experience
      • Life Insurance

      • Defended class action claims against life insurer alleging false and deceptive practices in marketing of annuity products.
      • Defended life insurer against unfair trade and insurance practices arising from distribution and telemarketing of direct write life insurance program.
      • Represent life insurers in declaratory judgment actions seeking policy rescission based on misrepresentation of health history and conditions.
      • Obtained summary judgment for life insurer on claims of material misrepresentation of policy terms and conditions and coverage by estoppel.
      • Defend life insurers against suitability claims in sales of variable annuity insurance products.
      • Represent life insurers in interpleader actions in beneficiary disputes regarding distribution and allocation of life policy proceeds.
      • AD&D Insurance

      • Defended insurer acting as claim administrator of group AD&D plan in claim involving single vehicle fatality while claimant under the influence of illegal narcotics and alcohol. Obtained favorable settlement after summary judgment.
      • Obtained summary judgment for AD&D insurer in claim for benefits where policy determined not to be properly in force due to misconduct of agent.
      • Defended insurer denying coverage under policy’s suicide exclusion where insured died in single vehicle crash. Obtained favorable settlement after summary judgment argument.
      • Disability Insurance

      • Obtained summary judgment for disability insurer on unfair insurance practices claim alleging statutory violation of antidiscrimination provision of Connecticut Unfair Insurance Practices Act.
      • Obtained judgment of dismissal at close of plaintiff’s evidence in claim against disability insurer involving preexisting condition limitation. 
      • Won appeal of summary judgment decision in favor of disability insurer granting policy rescission based on insured’s misrepresentation regarding existence and amount of other disability coverage. 
      • Instituted declaratory judgment action seeking ruling that disability insurer owed no legal obligation to insured to continue benefit payments, due to insured's failure and refusal to obtain appropriate medical care for the condition allegedly causing the disability.
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    • News
      • January 3, 2017

        Robinson+Cole Welcomes New Litigation Partner

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        • View article

Our Team