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Kansas City Life Insurance Company Accused of Overcharging Policy Owners June 18, 2019

Insurance company violated the terms of its life insurance policies, according to recent lawsuit


June 18, 2019 (KANSAS CITY, MO) – A class action lawsuit has been filed against Kansas City Life Insurance Company alleging that Kansas City Life systematically overcharged policy owners for the cost of insurance and expense charges draining the cash values from their permanent life insurance. The unauthorized charges are comprised of hidden expenses – or “loads” – buried within the contractual policy charges that ultimately drain the policy’s cash value. Simply put: Money that should go to the policy owner’s savings is going instead to the insurance company. According to the lawsuit, the policies may become unaffordable, leaving policy owners without life insurance when it is needed the most.

These policies can be referred to in several ways:

  • Premium adjusted death benefit
  • Universal
  • Variable universal
  • Whole life
  • Variable whole life
  • Flexible premium

Improper overcharges and rate increases are a widespread problem in the life insurance industry, and they cost a typical policy owner significant money each month and year.

Stueve Siegel Hanson LLP and Miller Schirger, LLC, the law firms that filed the action, recently obtained a federal judgment against another life insurance company for more than $34 million, relating to similar policy overcharges. Collectively, the two firms have recovered more than $2 billion in cash relief and death benefits for life insurance policy owners nationwide. To learn more, visit or call 888.816.2108.

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Miller Schirger Wins $883,465 for Client January 31, 2019

Miller Schirger attorneys Steve Miller and Toby Hausner obtained an $883,465 award on behalf of Berkel & Company Contractors, Inc. against Phillips Hardy, Inc., following a one-week arbitration hearing.

Berkel, a specialty deep foundations, shoring, and ground improvement subcontractor, installed sheeting and shoring on two highway projects for Phillips Hardy, a regional general contractor. Phillips Hardy refused to pay Berkel in full, claiming Berkel delayed the projects.

The arbitrator rejected Phillips Hardy’s claims and awarded Berkel its full contract balances, its additional delay damages, plus attorney fees, costs, and interest.

“We are thrilled to have obtained such a complete victory for our client, who was finally made whole,” said Miller.

Greg Righter, Berkel’s President, was ecstatic. “We are obviously very pleased with the outcome.  We attribute such a convincing award to Miller Schirger’s extraordinary preparation and attention to detail.”

“The business realities of the construction industry often make it difficult for subcontractors to take a stand against hard-nosed, stronghanded tactics intended to force subcontractors to walk away from amounts they are entitled to,” Hausner added. “In this case, our client’s courage and perseverance were rewarded.”

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Thomson Reuters 2018 Super Lawyers Honors Attorneys at Miller Schirger November 14, 2018- Thomson Reuters has honored three Miller Schirger attorneys in its Kansas and Missouri Super Lawyers 2018 edition, including founding partners Steve Miller and John Schirger, and partner Matt Lytle.
Life Insurance Class Action Settles for $59.75 Million August 1, 2018- Miller Schirger LLC and co-counsel Stueve Siegel Hanson LLP have settled a nationwide class action lawsuit against John Hancock Life Insurance Company (U.S.A.) over alleged life insurance policy overcharges. The settlement was approved by the court on May 8, 2018 and provides that John Hancock will pay $59.75 million (less fees and expenses) in cash […]
Jury Awards $34.3 Million to State Farm Life Insurance Policyholders June 8, 2018- After two hours of deliberations, a federal jury in Missouri awarded $34.3 million to State Farm policyholders in a class action trial. 
Missouri Class Certified in State Farm Life Insurance Litigation April 24, 2018- On April 20, 2018, a Missouri class action against State Farm Life Insurance Company was certified as a class by a federal court.  The life insurance product at issue is State Farm’s Flexible Premium Adjustable Whole Life Insurance Policy, Form no. 94030. 
Miller Schirger Names Joseph M. Feierabend to Partner January 31, 2018- Miller Schirger is pleased to announce attorney Joseph M. Feierabend has been named a partner.  
Missouri Class Certified in Guardrail Litigation December 8, 2017- On December 6, 2017, a Missouri class action consisting of Missouri counties and others was certified against Trinity Industries, Inc. and Trinity Highway Products, LLC (“Trinity”).  The product at issue is Trinity’s ET-Plus guardrail end terminals.
Schirger Certified as Lifetime Member of the Multi-Million Dollar Advocates Forum®, The Top Trial Lawyers in America® November 17, 2017- The Multi-Million Dollar Advocates Forum®, which recognizes one of the most prestigious groups of trial lawyers in the United States, is pleased to certify John J. Schirger, founding partner of Miller Schirger LLC, as a lifetime member. Forum membership is limited to attorneys who have won million and multi-million dollar verdicts, awards, or settlements. Forum […]
Miller Schirger Attorneys Honored as 2017 Super Lawyers by Thomson Reuters November 17, 2017- Thomson Reuters has recognized three Miller Schirger attorneys in the 2017 edition of Kansas and Missouri Super Lawyers, including founding partners Steve Miller and John Schirger, and Partner Matt Lytle.
Miller Recognized by Construction Lawyers Society of America Fellowship September 20, 2017- The Construction Lawyers Society of America (CLSA), a construction law honorary society, has invited Steve Miller, founding partner of Miller Schirger, LLC, to its Fellowship.
Stephen R. Miller Named to America’s Top 100 Attorneys July 22, 2017- Steve Miller, founding partner of Miller Schirger LLC, has been selected by America’s Top 100 Attorneys® to receive its Lifetime Achievement award.
Nationwide Policyholder Class Certified in Policy Overcharge Litigation April 3, 2017- On March 23, 2017, a nationwide policyholder class was certified against John Hancock Life Insurance Company.  The life insurance product at issue is John Hancock’s Flex V Premium Variable Whole Life Insurance Policy.
Miller Schirger Obtains Jury Verdict for Client August 26, 2016- Miller Schirger, LLC, along with co-counsel Fraser Stryker PC LLO of Omaha, Nebraska, recently obtained a complete defense verdict for Rotella’s Italian Bakery, Inc., a Nebraska based bakery company, after a four-day federal jury trial.
Missouri Lawyers Weekly – Life Insurance Class Action Settles for $2.25 Billion July 8, 2016- Two Kansas City law firms played a role in a $2.25 billion out-of-state settlement for members of a class action lawsuit against The Lincoln National Life Insurance Co. that alleged policy overcharges.
$2.25 billion nationwide class action settlement April 15, 2016- Miller Schirger LLC and co-counsel, Stueve Siegel Hanson LLP, announce that an Indiana court has granted final approval of a $2.25 billion settlement of a class action lawsuit against The Lincoln National Life Insurance Company over alleged life insurance policy overcharges. Lincoln National agreed to settle the case by, among other things, issuing term life […]
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