Life Insurance - James Hoyer Newcomer & Smiljanich

Life Insurance

Buying life insurance is one of the most far-reaching steps you can take, but the process has always been confusing and fraught with dangers. Our law firm filed groundbreaking class-action lawsuits against the insurance industry after we discovered that companies told lies when selling life insurance policies. The lies include selling life insurance policies as investment or pension plans, and promising policyholders their premiums would vanish thanks to high investment returns. We have also documented many cases of replacement, churning and twisting. Those are the terms for when a company or an agent needlessly sells you into new policies again and again, in order to boost their own bottom lines. Were you surprised to learn that your premiums went higher instead of disappearing? That your policy's cash value was eaten up? That your agent made promises that turned out to be untrue? Fill out the form below to share your problem with us.

Concerned that you may be a victim? Our Consumer Check List will help you find out, click here. (this link launches a new window)

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Life Insurance Consumer Check List

Consumer Check List

To the Consumer: Answering yes to some or all of the questions in a section might mean that you've been taken advantage of. For more information about your situation, contact James, Hoyer, Newcomer & Smiljanich. All inquiries are confidential. Click here to print this page.
Life Insurance

Do you own life insurance?
Is it called a "variable" or "universal" life insurance policy?
In the last 20 years, did an agent persuade you or try to persuade you to "upgrade" your policy, replace your policy with a new one, or increase the death benefit, while telling you your premiums would stay the same?
Did an agent ever promise you that your premiums would "vanish" after a period of years - 7, 10, 14 or another number?
Did an agent sell you an "investment" or "pension" plan that turned out to be insurance?
Have you discovered that the "cash value" of your policy has decreased or disappeared?
Has your agent made promises that turned out to be untrue?

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The hiring of a lawyer is an important decision that should not be based solely upon advertisements. Before you decide, ask us to send you free information about our qualifications and experience. You should be aware that contacting us via e-mail, telephone or other means does not mean you have automatically become our client. Nor does contacting us mean you have automatically become a member of a class-action, whether the class has been certified or not. We greatly appreciate any information you are able to provide to us because it will assist us in investigating consumer frauds.

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