Insurance Law
| Health Care Crimes |
|
| Insureds have an obligation to be truthful when dealing with their insurers in relation to their claims under insurance policies. However, insureds sometimes attempt to submit fraudulent bills in order to recover under their health insurance policies. In response to such actions, federal legislation was passed to make certain acts related to health care claims illegal.
More... |
|
|
| Pleading a Case |
|
| If an insured sustains a loss and is denied payment by an insurer under an insurance policy, he may bring an action against the insurer to recover his claimed loss. The insured's complaint may state his cause of action generally and in brief and simple language. Some statutes provide optional methods of pleading. Courts may construe the averments of the complaint liberally. Matters not pleaded are generally waived. More... |
|
|
| Killing of Insured by Beneficiary |
|
| A beneficiary of an insured's life insurance policy who kills the insured may not be entitled to recover the policy proceeds. The denial of benefits may be based either on language included in the life insurance contract or on the basis of public policy. More... |
|
|
| Insurable Interest |
|
| A beneficiary may procure insurance upon the life of an insured only if he has an insurable interest in that insured's life. The determination of whether the beneficiary has an insurable interest depends upon the nature of the relationship between the beneficiary and the insured. If the beneficiary has a valid, insurable interest, he may recover the insurance proceeds upon the insured's death. If he does not, however, the insurer may plead a lack of insurable interest and avoid liability on the policy. More... |
|
|
| Types of Life Insurance |
|
| Each of the two basic types of life insurance--term life insurance and non-term or permanent life insurance--has several variations. Term life insurance is for a specified period of time. Whole life insurance covers the life of a person, however long that life is.
More... |
|
|