American General Life And Accident Insurance Company Lawsuit

American General Life And Accident Insurance Company Lawsuit - A Class action lawsuit was filed against American General in Tampa Florida and the american general life and accident insurance company lawsuit was in relation to burial insurance. This american general life and cccident insurance company lawsuit was filed in 1999.

The american general life and accident insurance company lawsuit was filed in Gainesville, Florida, on October 27, 1999. The complaint alleged that for many decades american general life & accident insurance company had engaged in a nationwide scheme which takes advantage ofthe poor and minorities in the sale of burial life insurance.

Burial life insurance policies are policies with benefits of generally $1,000 or less. The american general life and accident insurance company lawsuit referred to an activity where, through life insurance companies it has acquired, such as Independent Life and Accident Insurance, targeted the poor and minorities for the sale of burial life insurance.

Burial policies often build little or no cash value. The american general life and accident insurance company lawsuit alleged that even though the premium payments on burial policies appeared small, millions of poor and minority policyholders paid substantially more in premiums than the death benefits provided by the policies.

Because the policies contained little or no cash surrender value, policyholders stood to lose everything paid into the policies. The american general life and accident insurance company lawsuit argued against this.

Burial policies have been widely sold to disadvantaged people by agents who would routinely make personal visits. The american general life and accident insurance company lawsuit alleged that the policyholders would have thier premium payments collected by agents who convinced policyholders to purchase additional insurance products.

The american general life and accident insurance company lawsuit also alleged that in some instances policyholders were sold as many as twenty burial policies even where it was not in the policyholder's best interest to purchase additional burial insurance. The american general life and accident insurance company lawsuit also alleged that even though other types of life insurance were available which were better and less expensive for thepolicyholders, American General Life & Accident Insurance Company agents sold the burial policies solely to increase their own commissions and the company profits..

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