Misrepresentation in the Life, Health, and Disability Insurance Application Process - 3rd Edition - Joseph M Hamilton

Misrepresentation in the Life, Health, and Disability Insurance Application Process 3rd Edition Joseph M Hamilton ISBN 9781639050369

Insurers are entitled to expect complete and truthful responses from applicants, and underwriting decisions rely heavily on the accuracy of those disclosures. When an application for life, health, or disability insurance contains misrepresentations or intentional omissions, complex legal issues can arise. This comprehensive publication offers practitioners a nationwide survey of the law governing misrepresentations in insurance applications, covering all fifty states, the District of Columbia, and the federal circuits. It analyzes the relevant statutes and case law that shape both statutory and common-law approaches to misrepresentation, and also addresses emerging issues under the Employee Retirement Income Security Act (ERISA).

Whether representing insurers or policyholders, practitioners will find Misrepresentation in the Life, Health, and Disability Insurance Application Process, Third Edition to be an authoritative and practical resource. The book examines the full range of issues that arise during the application process, including what constitutes a misrepresentation, when and how a policy may be rescinded, and the defenses available to challenge rescission decisions. Organized by jurisdiction, it explains how state laws and courts address misrepresentations in life, health, and disability insurance, and includes dedicated chapters for each federal circuit analyzing misrepresentation issues in ERISA-governed employee welfare benefit plans.

Indispensable for outside counsel, in-house attorneys, and practitioners on either side of the dispute, this book is an essential reference for anyone working in the life, health, or disability insurance arena.

Misrepresentation in the Life, Health, and Disability Insurance Application Process 3rd Edition Joseph M Hamilton ISBN 9781639050369, 978-1639050369 & 9781639050376

Editors
Joseph M Hamilton
Joseph R Jeffery