Insurance Investment Expert Witnesses

Insurance investment expert witnesses possess a wealth of knowledge in the insurance sector. They are typically called upon to provide their opinions and expertise regarding financial losses related to investments, especially life insurance policies. These experts have a deep understanding of complex terms such as riders, riders within riders, annuities, and more. Furthermore, they understand the state and federal laws governing the types of investments available to consumers. Insurance investment experts may employ several different methods in their work including actuarial science and advanced software programs for indicating future value of policies. For example, they may use mortality tables that show death rates among different age groups or fluctuations in economic indicators over time to make projections about returns on certain investments. Additionally, these professionals have examined techniques used by some insurers who may be accused of manipulating or misstating required facts concerning an insurance policy's terms or conditions of coverage for their own financial gain. Moreover, when providing their testimony as an insurance investment professional in litigation proceedings such as relating to unfair practices under securities laws or breach-of-contract claims due to misrepresentations made by an insurer towards its policyholders’ favorability representation.