• 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 by Mr. Martens, (Defense Attorney, LIfe Insurance Company of the Southwest)

2014 0425 – DOC 813 – Trial Transcript – Day 12 – Walker v LSW – 224p

LC - Walker v Life Insurance Company of the Southwest - LSW - [BonkNote]