Legal Considerations In Life Insurance (2010 09 23)

LEGAL CONSIDERATIONS IN LIFE INSURANCENorthern California Life Insurance Association – September 23, 2010Robert R. PohlsManaging Attorney1550 Parkside Drive, Suite 260Walnut Creek, California 94596Tel: 925.973.0300 Fax: 925.973.0330E-mail: rpohls@califehealth.comWWW.CALIFEHEALTH.COM

LEGAL CONSIDERATIONS IN LIFE INSURANCENorthern California Life Insurance Association – September 23, 2010Possible Agenda: Partial ListConditional ReceiptsTemporary Coverage LapsePremium OffsetInsurable InterestsSTOLIClosed Books of BusinessAccidental DeathSuicideFelony ExclusionsIntoxication ExclusionsPresumption of DeathBeneficiary ChangesCommunity Property InterestsUndue InfluenceDuressAutomatic Revocation StatutesSlayer StatuteInterpleaderPrior ManifestationDeliveryChanges in HealthDuty to ReadMisrepresentationConcealmentMaterialityWaiver/EstoppelAgent MisconductImputed KnowledgePost-Claim UnderwritingImpostorsForgeryContestabilityForeign Death ClaimsHIPAA and Privacy LawsBad FaithPunitive DamagesERISAUnfair CompetitionSlide 2

LEGAL CONSIDERATIONS IN LIFE INSURANCENorthern California Life Insurance Association – September 23, 2010Possible Agenda: Partial ListConditional ReceiptsTemporary Coverage LapsePremium OffsetInsurable InterestsSTOLIClosed Books of BusinessAccidental DeathSuicideFelony ExclusionsIntoxication ExclusionsPresumption of DeathBeneficiary ChangesFather Guido Sarducci’s 5 Minute UniversityCommunity Property InterestsUndue InfluenceDuressAutomatic Revocation StatutesSlayer StatuteInterpleaderPrior ManifestationDeliveryChanges in HealthDuty to ReadMisrepresentationConcealmentMaterialityWaiver/EstoppelAgent MisconductImputed KnowledgePost-Claim UnderwritingImpostorsForgeryContestabilityForeign Death ClaimsHIPAA and Privacy LawsBad FaithPunitive DamagesERISAUnfair CompetitionSpanish:Como estausted? Muibuen.Economics:Supply and Demand.Theology: Where is God? God is everywhere.Slide 3

LEGAL CONSIDERATIONS IN LIFE INSURANCENorthern California Life Insurance Association – September 23, 2010Contract Formation: Essential ElementsA contract is “an agreement to do or not do a certain thing.” The essential elements for forming a contract are:1) parties capable of contracting;2) consent; 3) a lawful object; and 4) sufficient consideration.Slide 4

LEGAL CONSIDERATIONS IN LIFE INSURANCENorthern California Life Insurance Association – September 23, 2010Contract Formation: PartiesThere must be at least two parties to a contract – a promisor and a promisee – but there may be any greater number.The general rule is that all persons are capable of contracting, except:1) minors;2) persons of unsound mind; and3) persons deprived of civil rights.Slide 5

LEGAL CONSIDERATIONS IN LIFE INSURANCENorthern California Life Insurance Association – September 23, 2010Example:Sales Agents“A mere soliciting agent or other intermediary operating between the insured and the insurer has authority only to initiate contracts, but not to consummate them, and cannot bind his principal by anything he may say or do during the preliminary negotiations.”Duarte v. Postal Union Life Ins. Co.75 Cal.App.2d 557, 571 (1946)Slide 6

LEGAL CONSIDERATIONS IN LIFE INSURANCENorthern California Life Insurance Association – September 23, 2010Contract Formation: Insurable InterestA person taking out a policy of insurance upon the life of another must have an insurable interest in the life of the other person. Otherwise, the policy is a mere wager on the life of the person insured, and the policy is void as against public policy. Warnock v. Davis, 104 U.S. (14 Otto) 775 (1882) Cal. Insurance Code §252Slide 7

LEGAL CONSIDERATIONS IN LIFE INSURANCENorthern California Life Insurance Association – September 23, 2010Contract Formation: Insurable InterestEvery person has an insurable interest in the life and health of: (a) Himself; (b) Any person on whom he depends for education or support; (c) Any person under a legal obligation to him for the payment of money or respecting property or services; and (d) Any person upon whose life any estate or interest vested in him depends.Cal. Insurance Code §10110Slide 8

LEGAL CONSIDERATIONS IN LIFE INSURANCENorthern California Life Insurance Association – September 23, 2010Contract Formation: Insurable InterestAn insurable interest, with reference to life and disability insurance, is an interest based upon : · a reasonable expectation of pecuniary advantage through the continued life, health, or bodily safety of another person and consequent loss by reason of that person’s death or disability; or · a substantial interest engendered by love and affection in the case of individuals closely related by blood or law.Cal. Insurance Code §10110.1(a)Slide 9

LEGAL CONSIDERATIONS IN LIFE INSURANCENorthern California Life Insurance Association – September 23, 2010Example:Stranger-Owned Life InsuranceAn "interest in the life or health of a person insured must exist when the insurance takes effect, but need not exist thereafter or when the loss occurs." Cal. Insurance Code §286Typical scenario: · Individual obtains non-recourse loan from 3rd party investor to finance premiums · After 2 years, insured transfers ownership of policy to the investor, who “forgives” the loanSlide 10

LEGAL CONSIDERATIONS IN LIFE INSURANCENorthern California Life Insurance Association – September 23, 2010Example:Stranger-Owned Life Insurance“Trusts and special purpose entities that are used to apply for and initiate the issuance of policies of insurance for investors, where one or more beneficiaries of those trusts or special purpose entities do not have an insurable interest in the life of the insured, violate the insurable interest laws and the prohibition against wagering on life.”Cal. Insurance Code §10110(d)Effective 1/1/2010Applies only to policies issued after 7/1/2010Slide 11

LEGAL CONSIDERATIONS IN LIFE INSURANCENorthern California Life Insurance Association – September 23, 2010Contract Formation: ConsentEvery contract requires consenting parties. Absent fraud, duress, or mistake, the parties’ consent is determined by the reasonable meaning of their words and acts – ie., not from their unexpressed intentions or understanding.The manifestation of a party’s consent usually is accomplished through an offer and an acceptance. Slide 12

LEGAL CONSIDERATIONS IN LIFE INSURANCENorthern California Life Insurance Association – September 23, 2010Contract Formation: OffersAn offer is the manifestation of willingness to enter into a bargain, made in a way that the other person is justified in understanding that his or her consent to the bargain is invited and will conclude it. An offer must be sufficiently definite that the performance promised is reasonably certain.Slide 13

LEGAL CONSIDERATIONS IN LIFE INSURANCENorthern California Life Insurance Association – September 23, 2010Contract Formation: Invitation to Make OffersSuggesting the terms of a possible contract without making a definite proposal is a mere invitation to make offers. A manifestation of willingness to enter into a bargain is not an offerif the other person knows or has reason to know that the person making it does not intend to conclude the bargain until he or she has made a further manifestation of assent.Slide 14

LEGAL CONSIDERATIONS IN LIFE INSURANCENorthern California Life Insurance Association – September 23, 2010Contract Formation: AcceptanceThe offeror’s manifested intention determines the person(s) with the power of acceptance.The acceptor must know of the offer and manifest assent to its terms. The acceptance must be absolute and unqualified. It also must be communicated to the offeror. Silence ordinarily is not enough. Slide 15

LEGAL CONSIDERATIONS IN LIFE INSURANCENorthern California Life Insurance Association – September 23, 2010Contract Formation: Counter-OffersA qualified acceptance is a new proposal. It constitutes a rejection of the original offer. It also constitutes an offer to enter a new contract with different terms.By making a counter-offer, the offeree loses the power of acceptance with respect to the original offer. No contract is formed unless the counter-offer is accepted.Slide 16

LEGAL CONSIDERATIONS IN LIFE INSURANCENorthern California Life Insurance Association – September 23, 2010Contract Formation: Reality of ConsentIn rare cases of physical compulsion, a person is caused to manifest consent when the person does not understand the transaction or does not intend to enter a contract. Under those circumstances, the contract is void. When the promisor is deceived as to the nature of his or her act and actually does not know what is being signed (or does not intend to enter a contract), mutual assent is lacking, and the contract is void. Slide 17

LEGAL CONSIDERATIONS IN LIFE INSURANCENorthern California Life Insurance Association – September 23, 2010Contract Formation: Freedom of Consent“A consent which is not free is nevertheless not absolutely void.” Cal. Civil Code §1566 The aggrieved party must rescind by giving prompt notice and offering to restore any consideration received. Taylor v. Hopper, 207 Cal. 102 (1929)Slide 18

LEGAL CONSIDERATIONS IN LIFE INSURANCENorthern California Life Insurance Association – September 23, 2010Contract Formation: Freedom of ConsentA party’s consent is not freely given if it is the product of: · Undue influence; · Duress; · Fraud; or · Mistake.Slide 19

LEGAL CONSIDERATIONS IN LIFE INSURANCENorthern California Life Insurance Association – September 23, 2010Example: Interpleaders“Any person, firm, corporation, association of other entity against whom double or multiple claims are made, or may be made, by two or more persons which are such that they may give rise to double or multiple liability, may bring an action against the claimants to compel them to interplead and litigate their several claims.”Cal. Code of Civil Procedure §386(b)Slide 20

LEGAL CONSIDERATIONS IN LIFE INSURANCENorthern California Life Insurance Association – September 23, 2010Rescission: FraudFraudis the suggestion, as a fact, of that which is not true, by one who does not believe it to be true. It generally involves: 1) a false representation of material fact; 2) made with knowledge of its falsity; 3) with the intent to induce the person to act upon it; 4) actual and reasonable reliance upon the representation; and 5) resulting damage.The suppression of that which is true, by one having knowledge or belief of the fact, also can be fraud. Slide 21

LEGAL CONSIDERATIONS IN LIFE INSURANCENorthern California Life Insurance Association – September 23, 2010Rescission: Mutual MistakeIf both parties are mistaken and neither is at fault (or both are equally to blame), the mistake may prevent formation of a contract.Example: If the mistake involves the subject matter of the contract, the contract is void because there was nomeeting of the minds. Raffles v. Wichelhaus, 2 H.&C. 906But: If one party so negligently expressed itself that the other party reasonably believed an agreement existed, the contract may be enforced. Chakmak v. H.J. Lucas Masonry, 55 Cal.App.3d 124 (1976)Slide 22

LEGAL CONSIDERATIONS IN LIFE INSURANCENorthern California Life Insurance Association – September 23, 2010Rescission: Unilateral MistakeOriginal rule A contract formed when one party has made a unilateral mistake is not voidable unless the other party had reason to know of the mistake or his or her fault caused the mistake.Modern rule A party who has made a unilateral mistake cannot rescind a contract unless: 1) the mistake involved a basic assumption about the contract; 2) the mistake had a material effect on the agreed performances; 3) the mistaken party does not bear the risk of the mistake; and 4) enforcing the contract would be unconscionable. Slide 23

LEGAL CONSIDERATIONS IN LIFE INSURANCENorthern California Life Insurance Association – September 23, 2010Rescission: Misrepresentations“If a representation is false in a material point, whether affirmative or promissory, the injured party is entitled to rescind the contract from the time the representation becomes false.” Cal. Insurance Code §359“Whether the representation was intentionally or unintentionally false does not alter the injured party's right to rescind the policy.” Telford v. New York Life Ins. Co., 9 Cal.2d 103, 105 (1937)Taylor v. Sentry Life Ins. Co., 729 F.2d 652 (9th Cir. 1984)Slide 24

LEGAL CONSIDERATIONS IN LIFE INSURANCENorthern California Life Insurance Association – September 23, 2010Rescission: ConcealmentConcealment is a "[n]eglect to communicate that which a party knows, and ought to communicate.“Cal. Insurance Code §330Concealment, “whether intentional or unintentional, entitles the injured party to rescind insurance.”Cal. Insurance Code §331Slide 25

LEGAL CONSIDERATIONS IN LIFE INSURANCENorthern California Life Insurance Association – September 23, 2010Rescission: Materiality“Materiality is to be determined not by the event, but solely by the probable and reasonable influence of the facts upon the party to whom the communication is due, in forming his estimate of the disadvantages or the proposed contract, or in making his inquiries.”Cal. Insurance Code §334Slide 26

LEGAL CONSIDERATIONS IN LIFE INSURANCENorthern California Life Insurance Association – September 23, 2010Rescission: MaterialityMateriality is determined under “a subjective test; the critical question is the effect the truthful answers would have had on [the insurer], not on some ‘average reasonable’ insurer.” Imperial Casualty & Indemnity Co. v. Sogomonian 198 Cal.App.3d 169, 181 (1988)Slide 27

LEGAL CONSIDERATIONS IN LIFE INSURANCENorthern California Life Insurance Association – September 23, 2010Contract Formation: Materiality“The fact that the insurer has demanded answers to specific questions in an application for insurance is in itself usually sufficient to establish materiality as a matter of law.”Thompson v. Occidental Life Insurance Co.9 Cal.3d 904, 916 (1973)“An incorrect answer on an insurance application does not give rise to the defense of fraud where the true facts, if known, would not have made the contract less desirable to the insurer.”Ransomv. Penn Mutual Life Insurance Co.43 Cal.2d 420, 427 (1954)Slide 28

LEGAL CONSIDERATIONS IN LIFE INSURANCENorthern California Life Insurance Association – September 23, 2010Examples:MaterialityIf insurer knew the truth, it would have rejected the applicant as uninsurable and declined to issue a policy.Wilson v. Western National Life Ins. Co.235 Cal.App.3d 981, 994 (1991)If insurer knew the truth, it would have issued a policy on different terms (e.g., with higher premiums).Kentucky Cent. Life Ins. Co. v. Marin Bay Park Trust958 F.2d 377 (9th Cir.1992)Old Line Life Ins. Co. v. Superior Court229 Cal.App.3d 1600 (1991)Slide 29

LEGAL CONSIDERATIONS IN LIFE INSURANCENorthern California Life Insurance Association – September 23, 2010Rescission: Materiality“The trier of fact is not required to believe the ‘post mortem’ testimony of an insurer's agents that insurance would have been refused had the true facts been disclosed.”Thompson v. Occidental Life Ins. Co.9 Cal.3d 904, 916 (1973)McAuliffe v. John Hancock Mut. Life Ins. Co.245 Cal.App.2d 855, 858 (1966)Additional evidence: • UW guidelines • UW referral memosSlide 30

LEGAL CONSIDERATIONS IN LIFE INSURANCENorthern California Life Insurance Association – September 23, 2010Example:Materiality• Clean application denies history of Tx for STD’s • H murders W • Medical records: 3 doctor visits for vaginal warts • UW guidelines: • issue standard if three treatments for same exposure • rate or decline if treatment for multiple exposures • Argument: material because UW would have made further inquiries (e.g., exam; blood test)Slide 31

LEGAL CONSIDERATIONS IN LIFE INSURANCENorthern California Life Insurance Association – September 23, 2010Rescission: Materiality“It is not necessary that the misrepresentation have any causal connection with the death of the insured.” Torbensen v. Family Life Ins. Co.163 Cal.App.2d 401, 405 (1958)Cohen v. Penn Mutual Life Ins. Co.48 Cal.2d 720, 726 (1957)Slide 32

LEGAL CONSIDERATIONS IN LIFE INSURANCENorthern California Life Insurance Association – September 23, 2010Rescission: ContestabilityA life insurance policy must contain a provision that, except for nonpayment of premiums, it is incontestable after it has been: (1) in force; (2) during the lifetime of the insured; (3) for a period of not more than two years after its date of issue.Cal. Insurance Code §10113.5Cal. Insurance Code §10206(a)Slide 33

LEGAL CONSIDERATIONS IN LIFE INSURANCENorthern California Life Insurance Association – September 23, 2010Rescission: Contestability“When an insurance policy by its provisions is made incontestable after a specified period, the intent of the parties is to fix a limited time within which the insurer must discover and assert any grounds it might have to justify a rescission of the contract." New York Life Ins. Co. v. Hollender38 Cal.2d 73, 78 (1951)Incontestability provisions do not preclude “the assertion of defenses based upon policy provisions that exclude or restrict coverage." Cal. Insurance Code §10113.5(c)Slide 34

LEGAL CONSIDERATIONS IN LIFE INSURANCENorthern California Life Insurance Association – September 23, 2010Example:ImpostorsFacts:· HIV-positive applicant sent impostor to paramedical exam · Applicant died after policy had been in force for 2 yearsHeld: · Contract was valid because there was no mistake about the applicant’s identity – only mistake was about who attended the paramedical exam· Contestability provision bars rescission · No exception for fraud -- even when an impostor!Amex Life Assurance Co. v. Superior Court (Slome Capital)14 Cal.4th 1231 (1997)Slide 35

LEGAL CONSIDERATIONS IN LIFE INSURANCENorthern California Life Insurance Association – September 23, 2010Rescission: Impostors“. . . if photographic identification is presented during the application process, and if an impostor is substituted for a named insured in any part of the application process, with or without knowledge of the named insured, then no contact between the insurer and the named insured is formed and any purported insurance contract is void from its inception.”Cal. Insurance Code §10113.5(b)(1)Slide 36

LEGAL CONSIDERATIONS IN LIFE INSURANCENorthern California Life Insurance Association – September 23, 2010Rescission: Duty to Disclose“Each party to a contract of insurance shall communicate to the other, in good faith, all facts within his knowledge which are or which he believes to be material to the contract and as to which he makes no warranty, and which the other has not the means of ascertaining.”Cal. Insurance Code §333Slide 37

LEGAL CONSIDERATIONS IN LIFE INSURANCENorthern California Life Insurance Association – September 23, 2010Rescission: Right to Rely on ApplicantAn insurer “has the unquestioned right to select those whom it will insure and to rely upon him who would be insured for such information as it desires as a basis for its determination to the end that a wise discrimination may be exercised in selecting its risks." Robinson v. Occidental Life Ins. Co.131 Cal.App.2d 581, 586 (1955)Slide 38

LEGAL CONSIDERATIONS IN LIFE INSURANCENorthern California Life Insurance Association – September 23, 2010Rescission: Waiver“The right to information of material facts may be waived, either by (a) the terms of insurance or (b) by neglect to make inquiries as to such facts, where they are distinctly implied in other facts of which information is communicated.”Cal. Insurance Code §336Slide 39

LEGAL CONSIDERATIONS IN LIFE INSURANCENorthern California Life Insurance Association – September 23, 2010Rescission: WaiverAn insurer cannot rescind when it has knowledge that the applicant’s representation was false. DiPasqua v. California etc. Life Ins. Co.106 Cal.App.2d 281, 284-285 (1951) When insurer has information indicating responses were untrue before it issued the policy, it waives the right to additional information by failing to investigate. Rutherford v. Prudential Ins. Co.234 Cal.App.2d 719, 735 (1965)Slide 40

LEGAL CONSIDERATIONS IN LIFE INSURANCENorthern California Life Insurance Association – September 23, 2010Rescission: WaiverThere is no duty to make further inquiries unless the known facts “distinctly imply” misrepresentations that are material.West Coast Life Ins. Co. v. Ward, 132 Cal.App.4th 181, 192-193 (2005)Insurer with knowledge that one of the applicant’s answers is erroneous may, if it chooses, waive that fact and still rescind on the basis of other misrepresentations.Maggini v. West Coast Life Ins. Co., 136 Cal.App. 472 (1934)Slide 41

LEGAL CONSIDERATIONS IN LIFE INSURANCENorthern California Life Insurance Association – September 23, 2010Example:WaiverApplicant denied using controlled substances (except Rx)Applicant stated his alcohol consumption was limited to a “couple of beers socially”Evidence: Heavy alcohol use; Recreational drug useProblem: Elevated liver enzymesArgument #1: Did not “distinctly imply” falsity because there are other causes of elevated liver enzymesArgument #2: Nothing to imply falsity of misrepresentation about using controlled substancesSlide 42

LEGAL CONSIDERATIONS IN LIFE INSURANCENorthern California Life Insurance Association – September 23, 2010Rescission: Imputed KnowledgeThe insurer is charged with knowledge of information given to the agent, even if the insurer does not have actual knowledge of it. Elfstrom v. New York Life Ins. Co., 67 Cal.2d 503 (1967)Where the insured, in good faith, makes truthful answers to the questions contained in the application, but his answers, owing to the fraud, mistake, or negligence of the agent filling out the application, are incorrectly transcribed, the company is estopped to assert their falsity as a defense to the policy.Boggio v. California-Western States Life Ins. Co.108 Cal.App.2d 597 (1952)Slide 43

LEGAL CONSIDERATIONS IN LIFE INSURANCENorthern California Life Insurance Association – September 23, 2010Rescission: Duty to Read“The requirement of fair dealing is laid on both parties to the contract. This requirement entails a duty on the part of the insured to read the contract and the application in accordance with her representations and to report to the company any misrepresentations or omissions.”“By neglecting to inform the Company of the material omissions, the insured became responsible for such misrepresentations or omissions.”Telford v. New York Life Ins. Co., 9 Cal.2d 103, 107 (1937)Layton v. New York Life Ins. Co., 55 Cal.App. 202, 206-207 (1921)Slide 44

LEGAL CONSIDERATIONS IN LIFE INSURANCENorthern California Life Insurance Association – September 23, 2010Rescission: Duty to ReadInsured’s failure to report misstatements in the application does not restore the insurer’s right to rescind if:·Agent’s explanation of questions made insured unable to appreciate the falsity of the answers.Boggio v. California-Western States Life Ins. Co.108 Cal.App.2d 597 (1952)·Applicant does not receive the application or, because of some other action by the agent or insurer, is prevented from reading it.Rutherford v. Prudential Ins. Co. of America234 Cal.App.2d 719 (1965)Slide 45

LEGAL CONSIDERATIONS IN LIFE INSURANCENorthern California Life Insurance Association – September 23, 2010Example: Waiver and Imputed KnowledgeApplication: · 32 years old · 5’1” and 120 lbs. · No Adverse Medical History · No History of Tobacco UseEvidence: · 32 years old · 5’1” and 309 lbs. · Heavy Smoker · HBP; Asthma; COPD; Cardiomegaly; CHF · 10 year history of mental illnessSlide 46

LEGAL CONSIDERATIONS IN LIFE INSURANCENorthern California Life Insurance Association – September 23, 2010Example: Waiver and Imputed KnowledgeImpostor: Application completed in L.A. on 3/17 Insured was in a Houston hospital since 3/14 Claim #1: Medical records are wrong Claim #2: Application actually completed in February Claim #3: Agent was told about mental illness Claim #4: Agent never asked “medical” questions Claim #5: Agent completed and forged the application Claim #6: Agent never delivered the policySlide 47

LEGAL CONSIDERATIONS IN LIFE INSURANCENorthern California Life Insurance Association – September 23, 2010Contract Formation: ConsiderationEach party to the contract must give (or promise to give) something of value. That value (or “consideration”) may be either: 1) a benefit conferredor agreed to be conferred upon the promisor or someone else; or 2) a detriment suffered or agreed to be suffered by the promisee (or someone else).Slide 48

LEGAL CONSIDERATIONS IN LIFE INSURANCENorthern California Life Insurance Association – September 23, 2010Contract Formation: Consideration“An insurer is entitled to payment of the premium as soon as the subject matter insured is exposed to the peril insured against.”Cal. Insurance Code §480Applying premiums to a period before the policy’s effective date may shorten time periods (e.g., the contestability period) that are based on the policy’s effective date.Guerin v. California Western States Life Ins. Co.229 Cal.App.2d 325 (1964)Slide 49

LEGAL CONSIDERATIONS IN LIFE INSURANCENorthern California Life Insurance Association – September 23, 2010Example: Temporary Insurance“When a payment is made equal to the full first premium at the time an application for life insurance . . . is signed by the applicant and either (1) the applicant received at the time a receipt for such payment on a form prepared by the insurer, or (2) . . . the insurer, pursuant to its regular underwriting practices and standards, approves the application . . . and the person dies on or before the date of the application . . . but before such policy is issued and delivered, the insurer shall pay such amount as would have been due under the terms of the policy. . . .”Cal. Insurance Code §10115Slide 50

LEGAL CONSIDERATIONS IN LIFE INSURANCENorthern California Life Insurance Association – September 23, 2010Example:Binding Receipt · “There is no coverage under this Receipt if the application contains any material misrepresentation.” · “No death benefit is provided by this Receipt unless death results from an accident that occurs or an illness that first manifests itself after the Application Date.” · “Coverage under this Receipt will end when the first of the following occurs: (a) The application is approved; (b) Notice of disapproval of the application is given; (c) 60 days have expired starting with the Application Date.”Slide 51

LEGAL CONSIDERATIONS IN LIFE INSURANCENorthern California Life Insurance Association – September 23, 2010QUESTIONS?QUESTIONS?Robert R. PohlsManaging Attorney1550 Parkside Drive, Suite 260Walnut Creek, California 94596Tel: 925.973.0300 Fax: 925.973.0330E-mail: rpohls@califehealth.comSlide 52WWW.CALIFEHEALTH.COM

Legal Considerations In Life Insurance (2010 09 23)

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