<html><head><meta http-equiv="Content-Type" content="text/html; charset=us-ascii"></head><body style="word-wrap: break-word; -webkit-nbsp-mode: space; line-break: after-white-space;" class="">Hi Ronda -<div class=""><br class=""></div><div class="">My husband/law partner does this type of coverage work and he would be happy to talk to you or your client.</div><div class=""><br class=""></div><div class="">Bruce Lambrecht</div><div class=""><div class=""><font face="Lucida Calligraphy" class=""><i class="">Goertz & Lambrecht PLLC</i></font></div><div class=""><div class="" style="word-wrap: break-word; -webkit-nbsp-mode: space; line-break: after-white-space;">1.888.926.2607 phone</div><div class="" style="word-wrap: break-word; -webkit-nbsp-mode: space; line-break: after-white-space;"><a href="mailto:brucejlambrecht@icloud.com" class="">brucejlambrecht@icloud.com</a> </div></div></div><div class=""><br class=""></div><div class=""><br class=""><div class="">
<span><img apple-inline="yes" id="49BB82D7-8226-49ED-940A-ABB00EC62B0A" src="cid:C79E98F6-A4CF-4882-BFFF-2416315E6619@hsd1.wa.comcast.net" class=""></span><div style="caret-color: rgb(0, 0, 0); color: rgb(0, 0, 0); font-family: Helvetica; font-size: 12px; font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; text-decoration: none; font-variant-ligatures: normal; font-variant-position: normal; font-variant-numeric: normal; font-variant-alternates: normal; font-variant-east-asian: normal; line-height: normal; word-wrap: break-word; -webkit-nbsp-mode: space; line-break: after-white-space;" class=""><div style="color: rgb(0, 0, 0); letter-spacing: normal; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; word-wrap: break-word; -webkit-nbsp-mode: space; line-break: after-white-space;" class=""><div style="color: rgb(0, 0, 0); letter-spacing: normal; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; word-wrap: break-word; -webkit-nbsp-mode: space; line-break: after-white-space;" class=""><div class=""><font face="Lucida Calligraphy" class=""><i class="">Amy<br class="Apple-interchange-newline"><br class=""></i></font></div><div class=""><font face="Lucida Calligraphy" class=""><i class=""><br class=""></i></font></div><div class=""><font face="Lucida Calligraphy" class=""><i class="">Amy J. Goertz, J.D.</i></font></div><div class=""><font face="Lucida Calligraphy" class=""><i class="">Goertz & Lambrecht PLLC</i></font></div><div class=""><div class="" style="word-wrap: break-word; -webkit-nbsp-mode: space; line-break: after-white-space;"><a href="mailto:amyjgoertz@icloud.com" class="">amyjgoertz@icloud.com</a> </div><div class="" style="word-wrap: break-word; -webkit-nbsp-mode: space; line-break: after-white-space;"><br class=""></div><div class="" style="word-wrap: break-word; -webkit-nbsp-mode: space; line-break: after-white-space;">1.888.926.2607 phone<br class="">1.877.684.1627 fax<br class=""><br class=""></div><div class="" style="word-wrap: break-word; -webkit-nbsp-mode: space; line-break: after-white-space;">Address for correspondence:</div><div class="" style="word-wrap: break-word; -webkit-nbsp-mode: space; line-break: after-white-space;">2829 S. Grand Blvd., Suite 303<br class="">Spokane, WA 99203 </div><div class="" style="word-wrap: break-word; -webkit-nbsp-mode: space; line-break: after-white-space;"><br class=""></div><div class="" style="word-wrap: break-word; -webkit-nbsp-mode: space; line-break: after-white-space;">Additional office locations:</div><div class="" style="word-wrap: break-word; -webkit-nbsp-mode: space; line-break: after-white-space;">510 Bell Street<br class="">Edmonds, WA 98020</div><div class="" style="word-wrap: break-word; -webkit-nbsp-mode: space; line-break: after-white-space;"><br class=""></div><div class="" style="word-wrap: break-word; -webkit-nbsp-mode: space; line-break: after-white-space;">Goertz & Lambrecht PLLC</div><div class="" style="word-wrap: break-word; -webkit-nbsp-mode: space; line-break: after-white-space;"><a href="http://www.goertzlambrecht.com/" class="">www.goertzlambrecht.com</a></div></div><div class=""><br class=""></div><div class=""><br class=""></div></div><br class="Apple-interchange-newline"></div><br class="Apple-interchange-newline"></div><br class="Apple-interchange-newline" style="caret-color: rgb(0, 0, 0); color: rgb(0, 0, 0); font-family: Helvetica; font-size: 12px; font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; text-decoration: none; font-variant-ligatures: normal; font-variant-position: normal; font-variant-numeric: normal; font-variant-alternates: normal; font-variant-east-asian: normal; line-height: normal;"><br class="Apple-interchange-newline" style="caret-color: rgb(0, 0, 0); color: rgb(0, 0, 0); font-family: Helvetica; font-size: 12px; font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; text-decoration: none;">
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<div><br class=""><blockquote type="cite" class=""><div class="">On Jun 28, 2021, at 12:59 PM, Ronda Larson Kramer <<a href="mailto:ronda@larsonlawpllc.com" class="">ronda@larsonlawpllc.com</a>> wrote:</div><br class="Apple-interchange-newline"><div class=""><div class="WordSection1" style="page: WordSection1; caret-color: rgb(0, 0, 0); font-family: Helvetica; font-size: 12px; font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration: none;"><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span style="font-size: 14pt;" class="">Listserve,<o:p class=""></o:p></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span style="font-size: 14pt;" class=""><o:p class=""> </o:p></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span style="font-size: 14pt;" class="">I am not experienced with life insurance and would like input on a COVID-related issue. Decedent was in the hospital with COVID (and died of it) for so long that his employer stopped paying premiums into his employer-sponsored life insurance policy that covered accidental death and dismemberment.<span class="Apple-converted-space"> </span></span><span style="font-size: 14pt;" class="">The policy lapsed and then he died.<o:p class=""></o:p></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span style="font-size: 14pt;" class=""><o:p class=""> </o:p></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span style="font-size: 14pt;" class="">Is anyone aware whether an insurance policy would include a clause that would require the company to pay out? In other words, if the lapse was due to the illness that killed the person whose life was insured, perhaps there is an exception. Or is there anything Congress has passed regarding COVID that would override the policy?<o:p class=""></o:p></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span style="font-size: 14pt;" class=""><o:p class=""> </o:p></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span style="font-size: 14pt;" class="">I have not seen the policy in this case and plan to refer beneficiary to someone who might assist her (she cannot afford attorney fees). Self-referrals welcome.</span><span style="font-size: 14pt;" class=""><o:p class=""></o:p></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span style="font-size: 14pt;" class=""><o:p class=""> </o:p></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><b class=""><span style="font-size: 14pt; font-family: Arial, sans-serif; color: rgb(89, 89, 89);" class="">Ronda Larson Kramer<o:p class=""></o:p></span></b></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><b class=""><span style="font-size: 10pt; font-family: Arial, sans-serif; color: rgb(174, 170, 170);" class="">J.D., LL.M. Taxation</span></b><b class=""><span style="font-size: 12pt; font-family: Arial, sans-serif; color: rgb(174, 170, 170);" class="">,</span></b><b class=""><span style="font-size: 10pt; font-family: Arial, sans-serif; color: rgb(174, 170, 170);" class=""><span class="Apple-converted-space"> </span>Owner<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></b></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><b class=""><span style="font-size: 10pt; font-family: Arial, sans-serif; color: rgb(174, 170, 170);" class=""><o:p class=""> </o:p></span></b></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><b class=""><span style="font-size: 18pt; font-family: "Bahnschrift SemiBold", sans-serif; color: rgb(89, 89, 89);" class="">L</span></b><b class=""><span style="font-size: 14pt; font-family: "Bahnschrift SemiBold", sans-serif; color: rgb(89, 89, 89);" class="">ARSON</span></b><b class=""><span style="font-size: 18pt; font-family: "Bahnschrift SemiBold", sans-serif; color: rgb(89, 89, 89);" class=""><span class="Apple-converted-space"> </span>L</span></b><b class=""><span style="font-size: 14pt; font-family: "Bahnschrift SemiBold", sans-serif; color: rgb(89, 89, 89);" class="">AW</span></b><b class=""><span style="font-size: 18pt; font-family: "Bahnschrift SemiBold", sans-serif; color: rgb(89, 89, 89);" class="">, PLLC<o:p class=""></o:p></span></b></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><b class=""><span style="font-size: 10pt; font-family: Arial, sans-serif; color: rgb(174, 170, 170);" class="">Elder Law</span></b><b class=""><span style="font-size: 12pt; font-family: Arial, sans-serif; color: rgb(174, 170, 170);" class="">,<span class="Apple-converted-space"> </span></span></b><b class=""><span style="font-size: 10pt; font-family: Arial, sans-serif; color: rgb(174, 170, 170);" class="">Estate Planning<o:p class=""></o:p></span></b></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span style="font-size: 10pt; font-family: Arial, sans-serif; color: rgb(118, 113, 113);" class="">P.O. Box 7337</span><span style="font-size: 12pt; font-family: Arial, sans-serif; color: rgb(118, 113, 113);" class=""><o:p class=""></o:p></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span style="font-size: 10pt; font-family: Arial, sans-serif; color: rgb(118, 113, 113);" class="">O</span><span style="font-size: 12pt; font-family: Arial, sans-serif; color: rgb(118, 113, 113);" class="">l</span><span style="font-size: 10pt; font-family: Arial, sans-serif; color: rgb(118, 113, 113);" class="">ympia WA 98507<span class="Apple-converted-space"> </span></span><span style="font-size: 12pt; font-family: Arial, sans-serif; color: rgb(118, 113, 113);" class=""> <o:p class=""></o:p></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span style="font-size: 10pt; font-family: Arial, sans-serif; color: rgb(118, 113, 113);" class="">Ph</span><span style="font-size: 14pt; font-family: Arial, sans-serif; color: rgb(118, 113, 113);" class="">:</span><span style="font-size: 10pt; font-family: Arial, sans-serif; color: rgb(118, 113, 113);" class=""><span class="Apple-converted-space"> </span>360-259-3076<span class="Apple-converted-space"> </span></span><span style="font-size: 12pt; font-family: Arial, sans-serif; color: rgb(118, 113, 113);" class=""> <o:p class=""></o:p></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span style="font-size: 10pt; font-family: Arial, sans-serif;" class=""><a href="mailto:ronda@larsonlawpllc.com" class=""><span style="color: rgb(5, 99, 193);" class="">ronda@</span><span style="font-size: 12pt; color: rgb(5, 99, 193);" class="">l</span><span style="color: rgb(5, 99, 193);" class="">arsonlawpllc.com</span></a><o:p class=""></o:p></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span style="font-size: 10pt; font-family: Arial, sans-serif;" class=""><a href="http://www.larsonlawpllc.com/" class=""><span style="color: rgb(5, 99, 193);" class="">www.</span><span style="font-size: 12pt; color: rgb(5, 99, 193);" class="">l</span><span style="color: rgb(5, 99, 193);" class="">arsonlawpllc.com</span></a><o:p class=""></o:p></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><o:p class=""> </o:p></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><b class=""><u class=""><span style="color: rgb(118, 113, 113);" class="">NOTICES</span></u></b><span style="color: rgb(118, 113, 113);" class="">: This message, including attachments, is confidential and may contain information protected by the attorney-client privilege or work product doctrine. If you are not the addressee, any disclosure, copying, distribution, or use of the contents of this message are prohibited. If you have received this email in error, please destroy it and notify me immediately. Any tax advice contained in this message is not intended or written to be used, and cannot be used, for the purpose of (1) avoiding penalties under the internal revenue code or (2) promoting, marketing, or recommending to others any tax-related matter(s) addressed here.<o:p class=""></o:p></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><o:p class=""> </o:p></div></div><span style="caret-color: rgb(0, 0, 0); font-family: Helvetica; font-size: 12px; font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration: none; float: none; display: inline !important;" class="">***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.***</span><br style="caret-color: rgb(0, 0, 0); font-family: Helvetica; font-size: 12px; font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration: none;" class=""><span style="caret-color: rgb(0, 0, 0); font-family: Helvetica; font-size: 12px; font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration: none; float: none; display: inline !important;" class="">_______________________________________________</span><br style="caret-color: rgb(0, 0, 0); font-family: Helvetica; font-size: 12px; font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration: none;" class=""><span style="caret-color: rgb(0, 0, 0); font-family: Helvetica; font-size: 12px; font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration: none; float: none; display: inline !important;" class="">WSBAPT mailing list</span><br style="caret-color: rgb(0, 0, 0); font-family: Helvetica; font-size: 12px; font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration: none;" class=""><a href="mailto:WSBAPT@lists.wsbarppt.com" style="font-family: Helvetica; font-size: 12px; font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px;" class="">WSBAPT@lists.wsbarppt.com</a><br style="caret-color: rgb(0, 0, 0); font-family: Helvetica; font-size: 12px; font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration: none;" class=""><a href="http://mailman.fsr.com/mailman/listinfo/wsbapt" style="font-family: Helvetica; font-size: 12px; font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px;" class="">http://mailman.fsr.com/mailman/listinfo/wsbapt</a></div></blockquote></div><br class=""></div></body></html>