[WSBAPT] Life Insurance refusing to pay out; delay and interest owed under RCW

[Brent Williams-Ruth]

Good Morning Dalynne -

I have NOT filed a complaint under that but, from my life as a former
insurance industry coverage attorney - first-party claims against insurers
include: Breach of Contract, Breach of IFCA (the insurance fair conduct
act); Tort of Bad Faith; and the whammy - Violations of the Consumer
Protection Act.  Many of these include award of attorneys fees, the CPA
carries treble damages.

FYI - to file an IFCA claim you must also first file notice with the
Washington Insurance Commissioner.

A well-written letter, along with filing of the claim with the Insurance
Commissioner may likely move some folks into action. I am not familiar with
this particular insurer but make sure that any notice is sent to the
appropriate notice agent. There is an entire listing of non-admitted
carriers if they fall within that category.

Please feel free to reach out if you have any questions.

*Brent Williams-Ruth* (pronouns: he/him)
*Attorney-At-Law*

*Law Offices of Brent Williams-Ruth, **a division of BWR Consulting, PLLC*

*Physical Address: 500 S 336th Street, Suite 214; Federal Way, WA 98003*

*Mailing Address: **PO BOX 3319; Federal Way, WA 98063 *

Office/Scheduling Phone: (253) 285-7751

For All Meetings & Scheduling: info at williams-ruthlaw.com

e-mail <Brent at Williams-RuthLaw.com> / website
<http://www.williams-ruthlaw.com/> / facebook
<http://www.facebook.com/bwrlaw> /


On Sat, May 24, 2025 at 8:20 AM Dalynne Singleton <dalynne at glgmail.com>
wrote:

> I have a life insurance company refusing to provide monies in payment to
> Estate when no beneficiary named.
>
> Has anyone filed complaint pursuant to RCW 48.23.300?
>
>
>
> RCW 48.23.300 outlines the requirements for policy settlements and
> interest for life insurance in Washington State.
>
> Usually when I send a demand letter with a deadline, the insurer pays the
> policy plus interest.
>
>
>
> Insurer is USAble Life – all I am getting is for death more than 2 years
> ago - delays and no monies.
>
>
>
> Any sample complaints would be appreciated.  I did some legal research and
> didn’t find any caselaw.  Thank you.
>
> Interest on Death Benefits: Insurers must pay interest on death benefits
> from the date of death at a rate not less than 8% 1.
>
> Additional Interest: If benefits are not tendered within 90 days of
> receiving proof of death, an additional 3% interest accrues from the 91st
> day 1.
>
> *Dalynne Singleton*
>
> *Dalynne Singleton*
>
> *Gourley Law Group*
>
> *Snohomish Escrow/The Exchange Connection*
>
> *1002 10th Street / PO Box 1091*
>
> *Snohomish, WA 98291*
>
> *360.568.5065*
>
> *360.568.8092  fax*
>
> dalynne at glgmail.com  *Website:  *www.glglawgroup.com
>
> Attorney/client meetings will be handled virtually whenever possible.  If
> you would like to set a consultation, please call/email one my paralegals
> Valerie valerie at glgmail.com, Kelly kelly at glgmail.com, or Theresa
> theresa at glgmail.com.  My co-counsel is Attorney Spencer Clower with
> paralegal, Kristin Jacobs, for Estate litigation (spencer at glgmail.com
> kristin at glgmail.com) & Carrie Ulrich and Candace Wilkerson, co-counsel in
> probate (carrie at glgmail.com and candace at glgmail.com ).
>
>
>
> LICENSED IN WASHINGTON. IMPORTANT/CONFIDENTIAL: This e-mail message (and
> any attachments accompanying it) may contain confidential information,
> including information protected by attorney-client privilege. The
> information is intended only for the use of the intended recipient(s).
> Delivery of this message to anyone other than the intended recipient(s) is
> not intended to waive any privilege or otherwise detract from the
> confidentiality of the message.  If you are not the intended recipient, or
> if this message has been addressed to you in error, do not read, disclose,
> reproduce, distribute, disseminate or otherwise use this transmission,
> rather, please promptly notify the sender by reply e-mail, and then destroy
> all copies of the message and its attachments, if any.
>
>
>
>
>
>
> ***Disclaimer: Please note that RPPT listserv participation is not
> restricted to practicing attorneys and may include non-practicing
> attorneys, law students, professionals working in related fields, and
> others.***
> _______________________________________________
> WSBAPT mailing list
> WSBAPT at lists.wsbarppt.com
> http://mailman.fsr.com/mailman/listinfo/wsbapt
>
-------------- next part --------------
An HTML attachment was scrubbed...
URL: <http://mailman.fsr.com/pipermail/wsbapt/attachments/20250524/f4fe479a/attachment.html>
-------------- next part --------------
A non-text attachment was scrubbed...
Name: image001.gif
Type: image/gif
Size: 4337 bytes
Desc: not available
URL: <http://mailman.fsr.com/pipermail/wsbapt/attachments/20250524/f4fe479a/image001.gif>
-------------- next part --------------
A non-text attachment was scrubbed...
Name: image002.png
Type: image/png
Size: 5410 bytes
Desc: not available
URL: <http://mailman.fsr.com/pipermail/wsbapt/attachments/20250524/f4fe479a/image002.png>
-------------- next part --------------
A non-text attachment was scrubbed...
Name: image003.png
Type: image/png
Size: 6082 bytes
Desc: not available
URL: <http://mailman.fsr.com/pipermail/wsbapt/attachments/20250524/f4fe479a/image003.png>
-------------- next part --------------
A non-text attachment was scrubbed...
Name: image004.png
Type: image/png
Size: 5869 bytes
Desc: not available
URL: <http://mailman.fsr.com/pipermail/wsbapt/attachments/20250524/f4fe479a/image004.png>