Suit Sightings #1: A Century Old Policy

We told you recently we were launching a new feature called “Suit Sightings” that would report on new life insurance-related lawsuits that were seriously novel, unusual or thought-provoking. And – admit it – you thought, “Oh sure, Steve”.

Well, read on, and learn of a recent suit on a policy issued in 1916 on the life of a man who died in 1972.

In the Court of Common Pleas of Franklin County, Ohio, the estate of Hazel Bright recently sued Prudential Insurance for a $1,000 death benefit on a policy insuring the life of Hazel’s husband, Homer Bright. Homer died in 1972.

Fast forward to late 2023: after letters, faxes, and phone calls, Hazel’s estate administrator claims he is still chasing the funds, according to the complaint. The complaint alleges potential breaches of contract, bad faith, and unjust enrichment, demanding not only the original policy amount but also punitive damages and interest stretching back some nearly sixty years to Homer’s death.

Key Takeaway: If ever there was a situation reminding us of the need to consult the Death Master File and similar resources, here it is. Shakespeare was right: “defer no time, delays have dangerous ends.”

Another Take: As a lifelong Michigan fan, I couldn’t help but notice this unusual suit arose in Franklin County, Ohio, home of the Ohio State Buckeyes. Enough said.

If you would like to see a copy of the complaint, we would be happy to provide upon request.