lsw
UM – Walker vs. LSW
UM – Walker v LSW 2014 0423 – DOC 812 – Trial Transcript – Day 10 – Walker v LSW – 194p (p142-147-Print Out) – zero percent floor,/ Policy Mechanics – Matthew DeSantos – LSW’s Senior Vice-President of Distribution and Business Development (himself a former insurance agent) – DOC 792 p27> (p14) – Dr. Patrick…
Read MoreAnnual Statements – Walker vs. LSW
Annual Statements – Walker v LSW (p200) – Annual Statement – Monthly Deductions – Howlett Q Now, if you turn — well, actually let’s stay on the first page. Do you see on the line right above that it says monthly deductions? A Yes, I do. Q And the monthly deductions are listed as what…
Read MoreDuty to Read – Walker vs. LSW
Duty to Read – Walker v LSW (p184) Did they reasonably rely on their illustrations when, as the judge said, they had a duty to read their policies and they didn’t do it? 2014 0425 – DOC 813 – Trial Transcript – Day 12 – Walker v LSW – 224p (p162) – Duty to Read…
Read MoreDoug Andrew – Walker vs. LSW
Patrick Kelly – Walker v LSW (p164) – Book – Missed Fortune – book written by Douglas R. Andrew titled Missed Fortune 101 – A Starter Kit to Becoming a Millionaire. Plaintiff Witness: Kim Howlett Q Now, when you met with Mr. Cooper, did he recommend that you read any books to familiarize yourself with…
Read MoreHow the Policy Works – Walker vs. LSW
How the Policy Works – Walker vs. LSW The fact that we charge people fees that we have disclosed and that fees reduce the value of your policy, and if your policy keeps reducing in value, it will lapse, is not a fraud. That’s common sense. That’s how life insurance works. (p171) — Closing Argument…
Read MoreOne Policy Fee – Walker vs. LSW
One Policy Fee – Walker v LSW A I mean, it’s five bucks a month, you know. No, I don’t recall it. Q So since it’s only five bucks a month, why would the company be touting one policy fee? (p76-78) 2013 1211 – DOC 735-`2 : Deposition of Michael Tivilini- Walker v LSW –…
Read MoreWalker vs. LSW – Prudential / MetLife
Walker v LSW – Prudential / MetLife Prudential – Vanishing Premium MetLife – Retirement / Savings Plan Walker v LSW Patrick Kelly MetLife In its June 7, 1994 Consent Order #94-102, the NJDBI cited N.J.S.A. 17B:30-3 and N.J.A.C. 11:2-23.4 and subsequently fined MetLife $965,555 for MetLife’s practice of misrepresenting life insurance to be retirement or savings…
Read More2012 0910 – DOC 245 – Declaration of Dr. Patrick Brocket – Walker vs. LSW – 73p
2012 0910 – DOC 245 – DECLARATION OF DR. PATRICK L. BROCKETT – 73p the policy as represented (“PR”) with the policy as it actually functions (“PA”). present discounted value (“PDV”) premium expense charge (PEC), “lapse acceleration” features (p6) Assignment 6. I have been retained by counsel for Plaintiffs to analyze issues in this matter as…
Read More2014 0425 – DOC 813 – Trial Transcript – Day 12 – Walker vs. LSW – 224p
2014 0425 – DOC 813 – Trial Transcript – Walker v LSW – 224p (p3) – Index p41 – Jury Instructions p69 – Closing Argument by Mr. Brosnahan (Plaintiff Attorney – Walker) p126 – Closing Argument by Mr. Martens (Defendant Attorney – LSW) p189 – Rebuttal Argument by Mr. Brosnahan (Plaintiff Attorney – Walker)…
Read More2014 0415 – DOC 808 – Trial Transcript – Day 5 – Walker vs. LSW – 229p
2014 0415 – DOC 808 – Trial Transcript – Day 5 – Walker v LSW – 229p Brockett Spooner (p69) (p7) – Brockett Q Now, that assumption underlying this diagram that the S&P 500 had zero returns for 20 some odd years in a row is also the assumption underlying the guaranteed column in the…
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