Insurance

Life Insurance and Annuities

Life insurance and annuity contracts can be sold to individuals, groups, or corporations. The policies can be sold directly from the insurer through intermediaries or marketed as part of a benefits package. Many life insurance and annuity products are complex financial contracts with the value dependent on particular investment vehicles and embedded options such as minimum return guarantees and surrender options.
 
Litigation involving life insurers and their products has involved issues such as asset management practices; marketing, disclosure and suitability; churning; fee structure; and breach of contract. Other disputes may involve allegations of improper pricing, underwriting, and financial disclosures. NERA insurance experts combine deep industry knowledge with expertise in economics, finance, statistics, accounting, and valuation to address litigation involving life insurers and their products. Our experts have also assisted clients with regulatory and advisory services relating to life insurance and annuity products, insurer valuation, asset management, and financial disclosures.