Not even the rich and famous (or beneficiaries) are immune from the decisions of insurers. John S. LAVIOLETTE, a lawyer, Los Angeles was designed by actor Heath Ledger as the guardian of a $ 10 million life insurance in favor of the ledger to the three-year-old daughter, Matilda, has sued ReliaStar Life Insurance Company on the grounds that the company is the avoidance of Payment of the proceeds from the policy to determine whether Ledger's death in January was suicide.
LAVIOLETTE the complaint filed in California state court on 23 July 2008, and he Reliastar away on 21 August 2008. LAVIOLETTE v. ReliaStar Life Insurance Company, Civil Action No. 2:08-CV-05514 (CD Cal. 2008).
As reported by James Barron in The New York Times, the New York City Office of Chief Medical Examiner ruled in early February that Ledger's death was random and out of the "abuse of prescription drugs."
LAVIOLETTE argues that by waiting until after Ledger's death to request information about his medical history, ReliaStar has changed in the post-claim underwriting, which means that an insurance company that denies benefits or revoke a policy, after allegedly misrepresentation or false information in an insured 'request that the impact on the insurer's decision on the question of politics.
In its answer, ReliaStar claims that two provisions entitle it to investigate the circumstances of Ledger's death:
the "incontestability" clause, which ReliaStar the right, the validity of the policy "on the basis of material misrepresentations in the first application for a period of two years from the date the policy was June 2007, and
Suicide provision that ReliaStar only to refund the premiums paid if the insured suicide within two years from the date the policy was.
The complaint is a declaratory ruling on the alleged ReliaStar according underwriting and alleges bad faith by ReliaStar in non-payment of the policy.
More information
Legal Notices TermSmart ING, policy number 1177R, depending on the state and can not in every state and ING Return of Premium Term, Policy Number 1309 11/06, depending on the state and can not in any state, are of ReliaStar Life Insurance Company, a member of the ING family of companies. All guarantees are based on the financial strength and ability to pay for ReliaStar Life Insurance Company, which is solely responsible for the obligations under its own policies. ReliaStar Life Insurance Company is a member of ING.
LAVIOLETTE the complaint filed in California state court on 23 July 2008, and he Reliastar away on 21 August 2008. LAVIOLETTE v. ReliaStar Life Insurance Company, Civil Action No. 2:08-CV-05514 (CD Cal. 2008).
As reported by James Barron in The New York Times, the New York City Office of Chief Medical Examiner ruled in early February that Ledger's death was random and out of the "abuse of prescription drugs."
LAVIOLETTE argues that by waiting until after Ledger's death to request information about his medical history, ReliaStar has changed in the post-claim underwriting, which means that an insurance company that denies benefits or revoke a policy, after allegedly misrepresentation or false information in an insured 'request that the impact on the insurer's decision on the question of politics.
In its answer, ReliaStar claims that two provisions entitle it to investigate the circumstances of Ledger's death:
the "incontestability" clause, which ReliaStar the right, the validity of the policy "on the basis of material misrepresentations in the first application for a period of two years from the date the policy was June 2007, and
Suicide provision that ReliaStar only to refund the premiums paid if the insured suicide within two years from the date the policy was.
The complaint is a declaratory ruling on the alleged ReliaStar according underwriting and alleges bad faith by ReliaStar in non-payment of the policy.
More information
Legal Notices TermSmart ING, policy number 1177R, depending on the state and can not in every state and ING Return of Premium Term, Policy Number 1309 11/06, depending on the state and can not in any state, are of ReliaStar Life Insurance Company, a member of the ING family of companies. All guarantees are based on the financial strength and ability to pay for ReliaStar Life Insurance Company, which is solely responsible for the obligations under its own policies. ReliaStar Life Insurance Company is a member of ING.
