Issue: Life policies sold in the mid 1980s with illustrations projecting 12% to 14% returns (pre-empting the need for further premiums after a few years - the premium "vanished") collapsed as rates fell, leaving insureds empty handed and alleging agent/insurer misrepresentation. Damages include (among others), the lost protection, the delta between what they were sold and what they got as well as punitives as appropriate. A number of these cases still continue to surface.

Overall. Mr. Hager has in-depth, highly technical knowledge and hands-on experience testifying in these cases. He has provided (a) damage testimony (both actuals and punitives); (b) testimony as to applicable law; and (c) testimony as to what the insurer/agents knew or should have known in connection with the illustration they produced.

Contact Bill Hager at 561-995-7429 or via email to discuss your case.