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<p class="MsoNormal"><span style="font-size:14.0pt;font-family:"Book Antiqua",serif">In addition, send notice and invoke the penalty of interest on any unpaid life insurance monies. That usually gets their attention.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:14.0pt;font-family:"Book Antiqua",serif"><a href="https://app.leg.wa.gov/RCW/default.aspx?cite=48.23.300#:~:text=RCW%2048.23.300,September%201%2C%201985">https://app.leg.wa.gov/RCW/default.aspx?cite=48.23.300#:~:text=RCW%2048.23.300,September%201%2C%201985</a>.
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<p class="MsoNormal"><span style="font-size:14.0pt;font-family:"Book Antiqua",serif"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:14.0pt;font-family:"Book Antiqua",serif">RCW 48.23.300<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:14.0pt;font-family:"Book Antiqua",serif">Policy settlements—Interest.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:14.0pt;font-family:"Book Antiqua",serif">Any life insurer shall have the power to hold under agreement the proceeds of any policy issued by it, upon such terms and restrictions as to revocation by the policyholder
and control by beneficiaries, and with such exemptions from the claims of creditors of beneficiaries other than the policyholder as set forth in the policy or as agreed to in writing by the insurer and the policyholder. Upon maturity of a policy in the event
the policyholder has made no such agreement, the insurer shall have the power to hold the proceeds of the policy under an agreement with the beneficiaries. The insurer shall not be required to segregate funds so held but may hold them as part of its general
assets.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:14.0pt;font-family:"Book Antiqua",serif">An insurer shall pay interest on death benefits payable under the terms of a life insurance policy insuring the life of any person who was a resident of this state at the time
of death. Such interest shall accrue commencing on the date of death at the rate then paid by the insurer on other withdrawable policy proceeds left with the company, but not less than eight percent. Benefits payable that have not been tendered to the beneficiary
within ninety days of the receipt of proof of death shall accrue interest, commencing on the ninety-first day, at the aforementioned rate plus three percent. This section applies to death of insureds that occur on or after September 1, 1985.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:14.0pt;font-family:"Book Antiqua",serif"><o:p> </o:p></span></p>
<p class="MsoNormal"><b><i><span style="font-size:14.0pt;font-family:"Book Antiqua",serif">Dalynne Singleton</span></i></b><b><span style="font-size:14.0pt;font-family:"Book Antiqua",serif"><o:p></o:p></span></b></p>
<p class="MsoNormal"><b><span style="font-size:14.0pt;font-family:"Book Antiqua",serif">Gourley Law Group<o:p></o:p></span></b></p>
<p class="MsoNormal"><b><span style="font-size:14.0pt;font-family:"Book Antiqua",serif">Snohomish Escrow<o:p></o:p></span></b></p>
<p class="MsoNormal"><b><span style="font-size:14.0pt;font-family:"Book Antiqua",serif">The Exchange Connection<o:p></o:p></span></b></p>
<p class="MsoNormal"><b><span style="font-size:14.0pt;font-family:"Book Antiqua",serif">1002 10<sup>th</sup> Street / PO Box 1091<o:p></o:p></span></b></p>
<p class="MsoNormal"><b><span style="font-size:14.0pt;font-family:"Book Antiqua",serif">Snohomish, WA 98291<o:p></o:p></span></b></p>
<p class="MsoNormal"><b><span style="font-size:14.0pt;font-family:"Book Antiqua",serif">360.568.5065<o:p></o:p></span></b></p>
<p class="MsoNormal"><b><span style="font-size:14.0pt;font-family:"Book Antiqua",serif">360.568.8092 fax<o:p></o:p></span></b></p>
<p class="MsoNormal"><span style="font-size:14.0pt;font-family:"Book Antiqua",serif"><a href="mailto:dalynne@glgmail.com" target="_blank"><span style="color:#467886">dalynne@glgmail.com</span></a><o:p></o:p></span></p>
<p class="MsoNormal"><u><span style="font-size:14.0pt;font-family:"Book Antiqua",serif">Website:
</span></u><span style="font-size:14.0pt;font-family:"Book Antiqua",serif"><a href="http://www.glglawgroup.com/" target="_blank"><span style="color:#467886">www.glglawgroup.com</span></a><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Book Antiqua",serif">Attorney/client meetings will be handled by teleconference or virtually whenever possible. If you would like to set a telephone conference, zoom, or in person meeting, please call or email
one my paralegals <a href="mailto:heather@glgmail.com"><span style="color:#467886">heather@glgmail.com</span></a> or
<a href="mailto:valerie@glgmail.com"><span style="color:#467886">valerie@glgmail.com</span></a>. Gourley Law Group legal assistant can be reached at
<a href="mailto:paige@glgmail.com"><span style="color:#467886">paige@glgmail.com</span></a>. Part-time paralegal Theresa Richards can be reached at
<a href="mailto:theresa@glgmail.com"><span style="color:#467886">theresa@glgmail.com</span></a>.
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<p class="MsoNormal"><span style="font-family:"Book Antiqua",serif"><o:p> </o:p></span></p>
<p class="MsoNormal"><i><span style="font-family:"Book Antiqua",serif">LICENSED IN WASHINGTON</span></i><span style="font-family:"Book Antiqua",serif"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Book Antiqua",serif">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.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt"><img border="0" width="84" height="120" style="width:.875in;height:1.25in" id="Picture_x0020_2" src="cid:image001.gif@01DA542B.47A93790">
<img border="0" width="155" height="120" style="width:1.6145in;height:1.25in" id="Picture_x0020_13" src="cid:image002.png@01DA542B.47A93790"><img border="0" width="121" height="101" style="width:1.2604in;height:1.052in" id="Picture_x0020_3" src="cid:image003.png@01DA542B.47A93790"> <img border="0" width="122" height="102" style="width:1.2708in;height:1.0625in" id="Picture_x0020_4" src="cid:image004.png@01DA542B.47A93790"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt"><o:p> </o:p></span></p>
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<p class="MsoNormal"><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">From:</span></b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"> wsbapt-bounces@lists.wsbarppt.com <wsbapt-bounces@lists.wsbarppt.com>
<b>On Behalf Of </b>Ryan Castle<br>
<b>Sent:</b> Wednesday, January 31, 2024 9:43 AM<br>
<b>To:</b> WSBA Probate & Trust Listserv <wsbapt@lists.wsbarppt.com><br>
<b>Subject:</b> Re: [WSBAPT] American General Life - Refusing to accept small estate affidavit<o:p></o:p></span></p>
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<p class="MsoNormal">Jeff,<o:p></o:p></p>
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<p class="MsoNormal">If the insurer's cover letter states they will accept a small estate affidavit or something other than letters testamentary, and you provided the affidavit but the insurer still refuses to release funds, then this looks like a good case
of insurance bad faith, breach of contract, and consumer protection act violation. You could send a complaint to the Office of the Insurance Commissioner and mail the complaint to the insurer as well. This might get them to act. <o:p></o:p></p>
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<p class="MsoNormal">On Wed, Jan 31, 2024 at 9:25<span style="font-family:"Arial",sans-serif"> </span>AM <<a href="mailto:Jeff@bellanddavispllc.com">Jeff@bellanddavispllc.com</a>> wrote:<o:p></o:p></p>
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<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto">Listmates,<o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"> <o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto">American General Life demands letters testamentary to release life insurance proceeds (under $100,000) although their cover letter says they will accept such a document. They refuse
to provide the name of an in-house attorney. Do any of you know of either an in-house, or even the outside counsel for this company?
<o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"> <o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto">Jeff Davis<o:p></o:p></p>
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<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"> <o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><b><span style="font-family:"Tahoma",sans-serif">W. Jeff Davis</span></b><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><b><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif;color:black">BELL & DAVIS PLLC</span></b><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><b><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif;color:black">Attorneys at Law</span></b><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif;color:black"><br>
P.O. Box 510</span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif;color:black">720 E. Washington Street, Suite 105<br>
Sequim WA 98382<br>
Phone: (360) 683.1129 <br>
Fax: (360) 683.1258 <br>
email: </span><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif"><a href="mailto:jeff@bellanddavispllc.com" target="_blank"><span style="color:#0563C1">jeff@bellanddavispllc.com</span></a><span style="color:black"><br>
</span></span><a href="http://www.bellanddavispllc.com/" target="_blank"><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif">www.bellanddavispllc.com</span></a><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif;color:black"><br>
<br>
The information contained in this e-mail message may be privileged, confidential, and protected from disclosure. If you are not the intended recipient, any dissemination, distribution, or copying is strictly prohibited. If you think that you have received this
e-mail message in error, please e-mail the sender at </span><a href="mailto:info@bellanddavispllc.com" target="_blank"><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif">info@bellanddavispllc.com</span></a><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif;color:black">
or call 360.683.1129.</span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><b> </b><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"> <o:p></o:p></p>
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<p class="MsoNormal">***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.***<br>
_______________________________________________<br>
WSBAPT mailing list<br>
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<p class="MsoNormal">Ryan Castle<o:p></o:p></p>
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<p class="MsoNormal">Castle Law Firm, PLLC<o:p></o:p></p>
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<p class="MsoNormal">Managing Attorney<o:p></o:p></p>
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<p class="MsoNormal">T: 360-685-4260 <o:p></o:p></p>
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<p class="MsoNormal">F: 360-524-6838<o:p></o:p></p>
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<p class="MsoNormal">1313 E. Maple St., Suite 213<o:p></o:p></p>
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<p class="MsoNormal">Bellingham, WA 98225<o:p></o:p></p>
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<p class="MsoNormal"><a href="https://ryancastlelawfirm.com/" target="_blank">https://ryancastlelawfirm.com/</a><o:p></o:p></p>
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