A quick thought on excess return indexes in indexed insurance products (IULs & FIAs): After reviewing numerous policies, illustrations and their fine print, I’ve noticed that excess return funds are often included as an option, but their details are not always clearly explained. Sometimes even the fact that they are Excess Return funds is not […]

Currently, individuals who file lawsuits after waiting 4 years or more are generally seeing excellent results, with most getting their interviews scheduled. For cases with wait times of less than 4 years, the outcomes are more mixed.

Unfortunately, many people who filed for asylum years ago are waiting indefinitely for an interview. The limbo prevents them from traveling, limits job and school opportunities and causes tremendous stress. Many people are aware that mandamus lawsuits can be an effective way to get an interview scheduled and get the process moving. The question is […]

It’s not a silver bullet, but here is a useful quote and citation to use when filing a mandamus complaint for a delayed decision on a 290B motion to reopen or reconsider. According to USCIS: . . . . Q. When should I expect to receive a decision on a motion? A. Although some cases […]

If interest rates remain consistently higher than crediting rates for an extended period of time, I predict a significant increase in lawsuits related to premium-financed life insurance sales. This will be particularly true for deals marketed as offering perpetual arbitrage or “free insurance.”

If a life insurance carrier earns a 4% return on their general account but illustrates a 6% crediting rate in their Indexed Universal Life (IUL) index allocations, they are effectively projecting a 50% annual profit on their options purchasing. This is obviously a fantasy and does not represent how the indexing features of the policy […]