A New York and New Jersey Lawyer Who Represents Policyholders and Beneficiaries in Life Insurance Denial Cases

A California life insurance agent had his license revoked and has been charged with fraud, forgery and grand theft for allegedly submitting falsified life insurance applications for senior citizens in order to collect the commissions.

He is also accused of using fictitious names to create insurance policies in order to earn additional commissions.

In total, the agent, Ghassan Ibrahim, 46, of Stockton, Calif., made about $23k as a result of his illegal activity.

I recently reported on a New Jersey life insurance agent who also was charged with fraudulently obtaining life insurance policies. These incidents serve as real life examples of what I routinely argue in material misrepresentation in life insurance cases: that omissions in the application are not always due to intentional misrepresentations by insureds, but instead by carelessness on the part of the insurance agent.

As this case illustrates, sometimes agents commit outright fraud. Of course, so do some life insurance applicants–and that is exactly the point. There is good and bad on both sides, and the law should take that into account, yet instead in some states such as New York and New Jersey, it ascribes the fault for misrepresentations to the insured simply because he or she signs the application which in small print warrants that the information contained therein is true and correct.

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