Disability Insurance Expert Witnesses

Surprise, Arizona

Insurance - insurance standard of care, insurance coverage, insurance bad faith, workers compensation, human resources, property and casualty insurance, life insurance, disability insurance, long term care insurance, cyber insurance, auto insurance, home insurance, business insurance

David Mitchell (“David”) has held an Arizona Property and Casualty License since 1980 and Life and Health license since 1988. He has held the Certified Insurance Counselor (hereinafter “CIC”) for over thirty years. David has attended over five hundred hours of classroom instruction with CIC primarily involving insurance policies. In addition, David completed his Chartered Property Casualty Underwriter (“CPCU”) in 2022. The CPCU designation consists of eight parts and in the opinion of many as the highest professional property/casualty designation in the insurance industry. He has recently obtained his Associates in Claims (AIC) professional designation. David holds a bachelor's in business management, a master's degree in business administration (MBA) and a master's degree in human resources. David has been an owner and insurance producer for over 40 years and teaches insurance producers in continuing education. David has consulted on over 65 cases as an insurance consultant an...

Agoura Hills, California

Insurance - life insurance, disability insurance, indexed annuities, annuity, annuities, premium financing, indexed universal life, illustration, bad faith, unfair, deceptive, sales practices, misrepresentation, fraud, negligence, standard of care, STOLI, IOLI, IUL, FIA

Served as a consultant and/or testifying expert witness to national law firms and top lawyers in numerous pro-consumer cases, ranging from deceptive investment and insurance sales practices to unfair insurance claims handling (predominantly life and disability insurance and annuity cases). To date, these cases resulting in estimated $200 million plus of settlements, awards and judgments. Testified in state courts, before FINRA and arbitrations. Never disqualified or had opinions stricken. 1991 - present: Life and disability insurance agent. 2014 - present: Life & Disability Analyst. ARTICLES AND SPEAKING ENGAGEMENTS Articles (partial list) Featured in Forbes Magazine: “Sounding The Alarm On Indexed Universal Life Insurance”, a consumer warning piece concerning complex premium financing and Indexed Universal Life insurance – September 23, 2020 Featured in Forbes Magazine: “Kill The Messenger”, an critique of investment advisors and products – December, 2008 Featured in Forbes Mag...

Riverside, California

Insurance, Financial - Life Insurance, Annuity, Annuities, Suitability, Lapse, Life Settlement, agent, Conversion, Estate Planning, Disability Insurance, Long Term Care Insurance, Bad Faith, Beneficiary, trusts, STOLI, TOLI, Standard of Care, Expiration, Misrepresentation, Life/Disability Analyst

Expert in Permanent and Term Life Insurance, Disability, Long-Term Care Insurance as well as variable and fixed annuities. 40+ years’ experience as a high-producing agent with a Fortune 500 insurer. Past Life & Qualifying Member of Million Dollar Round Table – a trade group of top insurance producers. Chartered Life Underwriter. Chartered Financial Consultant. Licensed Life and Disability Analyst. Has reviewed and analyzed hundreds of insurance policies for issues such as suitability, expiration, beneficiaries, conversion, termination, reinstatement, value, and health of the insurer.

Louisville, Kentucky

Insurance - Life Insurance, Disability Insurance, Accident Insurance, Insurance Claims Practices, Insurance Underwriting, Insurance Claims, Insurance Rescissions, Insurance Cancellation, Agent/Broker Standards of Care

Mr. Grabhorn is a distinguished insurance expert, consultant, and attorney with a national practice, specializing in accident, disability and life insurance and ERISA claims. Recognized by his peers as an authority in these fields, he has extensive expertise in navigating the complexities of insurance laws and regulations. Committed to advocating for clients, Mr. Grabhorn ensures their rights and benefits are protected, with a proven track record of successfully resolving claims and litigating disputes. Mr. Grabhorn brings over 35 years of unique experience and training from his time in the insurance industry before starting his consulting and law firm. He gained comprehensive exposure to all facets of accident, disability and life insurance, including sales, underwriting, claims, and policy design. During this period, he earned the prestigious Chartered Life Underwriter (CLU) and Chartered Financial Consultant (ChFC) certifications, reflecting his extensive knowledge and training ...