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A quick reference for insurance carriers, policyholders, and claimants, Life and Health Insurance Law reviews obligations of each of those parties, as well as agents. It covers each stage, from application and enrollment through maintenance of coverage and exercise of policy rights to claims administration and review of denials of benefits. Formatted for quick reference when handling life or health insurance matters, it provides analysis of the impact of contractual provisions, state and federal statutes and regulations, and state and federal court opinions on both common and unusual fact patterns. It also covers: Group insurance, including “actively at work,” policyholder as agent, and ERISA Disability insurance, including occupational clauses, care and attendance, and proof of loss Accidents, including foreseeability, disease and treatment, and exclusions of risk Lapses, including estoppel from a custom of mailing notice and from acceptance of premiums Procedures for addressing issues, such as interpleader, rescission, and reformation