Edison, McDowell & Hetherington is one of the foremost authorities in life insurance and financial services litigation in the country. EMH offers unparalleled experience and knowledge, and our clients include some of the biggest names in life insurance, including the American Council of Life Insurers (ACLI). EMH has pioneered the advancement of innovative theories and strategies that have changed the landscape of life insurance law.
EMH’s life insurance clients trust us with their most sophisticated trial and appellate needs in matters pending from coast-to-coast. EMH has acted as lead counsel in putative class or mass actions involving, among other things, cost of insurance (COI) increases, IRS §419 welfare benefit plans, the Death Master File (DMF), stranger originated life insurance (STOLI) and annuity sub-fund exposure to Ponzi-scheme fraud.
As a result of EMH’s industry expertise, track record of success, and value proposition, life insurance and financial service clients turn to EMH to act as lead counsel in trials to judge and jury around the country. EMH has also presented written and oral argument to almost every U.S. Circuit Courts of Appeals, as well as a long list of state appellate courts. Clients routinely retain EMH to serve as regional and national counsel on a wide array of legal issues.
EMH works closely with, among others, the ACLI in advocating industry perspective with legislators and regulators around the country. EMH lawyers have presented testimony to regulators and legislators in Delaware, Florida and Minnesota, met with state governors, and successfully defeated numerous bills that were contrary to the industry’s best interests, especially as it relates to return of premiums, insurable interest, and policy verification.
Life insurance and financial services clients retain EMH to lead internal investigations of broker and agent misconduct and fraud. EMH attorneys assist in planning the investigative strategy and carrying out the strategy’s execution through interviews, audits and unannounced office visits. EMH has worked closely with local, state and federal authorities, including the FBI, as part of its investigative work, which has resulted in the discovery of fraud to both company and client and criminal charges against those responsible.
As an ever-increasing number of disputes are being resolved through arbitration, we have likewise represented clients in matters presented before Financial Industry Regulatory Authority (FINRA) panels, as well as other relevant organizations, such as the American Arbitration Association.