Sarraf Gentile

Premium financing is often marketed as a smart way to buy life insurance. The pitch is appealing: borrow from a bank to pay premiums, keep your money invested, and let the policy “pay for itself.” But the reality is very different — and many lawsuits have arisen when these strategies go wrong. Here are four […]

Unlike traditional whole life or guaranteed universal life policies, Indexed Universal Life (IUL) policies credit interest based on the performance of a stock market index, such as the S&P 500 or a custom “engineered” index. While policyholders are shielded from direct market losses through contractual crediting floors, the method of crediting interest is complex. Caps, […]

Premium financing has been marketed as a cutting-edge way for high-net-worth individuals and business owners to purchase large life insurance policies—often structured as Indexed Universal Life (IUL) policies. The sales pitch is attractive: borrow money to pay premiums, keep your capital invested, and rely on projected policy growth to cover the cost. But when assumptions […]

When you file a life insurance claim, you expect financial security. Instead, many families face roadblocks. Insurance companies pay out billions each year, but they also deny or delay thousands of claims — often using technicalities buried in the fine print. Here are the seven most common tactics insurers use and what they mean for […]

Getting a denial letter from a life insurance company can feel overwhelming. Don’t panic — you still have options. Here’s what to do next: 1. Read the Denial Letter Carefully · Look for the specific reason the claim was denied (e.g., missed premium, alleged misrepresentation, policy exclusion). · Keep the letter safe — it will […]

This is not a good development. Fortunately, mandamus lawsuits for work permits remain highly effective. According to a July 7 article from The Economic Times: “Form I-765 applications, used for work authorizations, also saw a sharp backlog increase. Initial applications pending rose by 87% compared to Q1, while the total number of pending I-765s (including […]

So far, it’s been more continuity than change. Despite shifts in policy tone and executive priorities, mandamus litigation in immigration cases has remained largely consistent under the second Trump administration. We continue to see strong outcomes when filing well-founded cases, and most Assistant U.S. Attorneys remain cooperative in working toward a resolution. While the future […]

A mandamus lawsuit can compel USCIS to act on a long-pending case — but only if the agency is legally allowed to do so. If visa retrogression occurs and the applicant’s priority date is no longer current, USCIS is barred from adjudicating the case, even if a lawsuit has been filed. A recent case we […]

Artificial Intelligence is great and has many benefits but should not be used to prepare an immigration delay lawsuit. Until the technology improves — one day it will — using AI to prepare a complaint may produce very harmful results.