Justice for Life Insurance Fraud Victims, My Story,

I worked for Metropolitan Life from 10/90 - 04/94. In April 1994, I was terminated by MetLife for "failure to follow simple instructions". Those orders were to turn my head on the nearly 400 problem cases I had discovered. Since that time, I have participated in, been named in, been written about, or assisted with: segments on CBS, ABC, PBS stations, Newsweek, Money, Woman's Day, Sales & Marketing Management magazines, The Wall Street Journal, National Underwriter, San Francisco Chronicle, Los Angeles Times, Bloomberg News and countless other publications that have alerted people as far away as Ontario, Canada.

I have investigated cases involving over a dozen different insurance companies including: Metropolitan Life, Prudential, New York Life, John Hancock, Allstate, Primerica, State Farm, Jackson National Life, Old Line Life, The Aid Association for Lutherans, Aetna and others. I have assisted the California State Department of Insurance and the Office of the Attorney General in their investigation of several companies and their agents.
Was named as an Expert Witness by the very first law firm to take a Metlife case to trial in California.
In seminars, I have educated thousands of unwary policy owners in the "theory" of life insurance and how they may have been victimized by the deceptive practices of some agents and their companies.
Have instructed a number of attorneys and State officials on the practices of "churning, piggy-backing, premium misdirection, etc."
Supplied every one of the representative cases for a class action law suit in California which was later made part of "the" national class suit.
Discovered over 300 employees of a large glass factory near Madera, CA, who were misled by Metlife sales people. After exposing the situation to a workers' union and the media (including a CBS television affiliate) I saw to it that everyone received restitution.
Have investigated and/or referred over 2000 cases to various law firms across the nation.
Am currently assisting various legal professionals and government agencies in several states with the litigation of various insurance cases.

A list will be made available upon request. Copies of various documents and video recordings are also available to interested firms.

Life Insurance fraud and misrepresentation is a huge and very real problem in America. Estimates are that 3 out of every 5 policies sold in the United States between 1980 and 1994 have potentially been sold under false pretenses .

A class action suit against Prudential determined that 10.7 million potential fraud victims exist. It was estimated that less than 10% of all fraud victims would be made whole by this class suit. Assuming another 5% will "opt out" of the class, this leaves approximately 9 million people hanging onto life insurance policies that may never benefit anyone.

These people may be our parents, grandparents, friends, or any number of people who cannot afford to lose the security of their life insurance policy. Is this fair? Who will help these people? Consider the elderly who purchased policies 40, 50, or even 60 years ago. After struggling with premium payments for a lifetime, they may lose their coverage to an unethical agent, greedy for a quick commission.

The problem of "churning" has been exposed as a real threat to tens-of-millions of policy holders. Even though there may be thousands of individual law suits filed and almost as many settled, most companies will not admit to the problem.

A $1.7 billion Class action suit against Metropolitan Life has recently been approved by the Court. John Hancock recently settled an enormous class suit. Several years ago, another such suit involving New York Life settled for $millions. I've found cases against Allstate popping up like mushrooms. Fraud has even surfaced within fraternal organizations like The Aid Association For Lutherans and the Knights of Columbus.

Of the 2500 insurance carriers conducting business in the United States, how many of them are like Prudential, Metropolitan Life, John Hancock, and Allstate?

I'm in search of reputable law firms to represent bad faith cases. I am qualified to instruct interested parties in the identification of problem policies, interview individuals potentially damaged, produce reports on any problems discovered, and provide expert testimony if needed. I have a large network of insurance experts, whistle-blowers, current and former agents, and other legal professionals he can call upon if needed.