Premium Finance Litigation Attorneys Protecting Policyholders

Safeguard your estate, your wealth, and your rights with trusted legal representation in life insurance financing disputes.

 

Facing Unexpected Issues with a Financed Life Insurance Policy?

 

If you’ve been sold a premium-financed life insurance policy and are now facing unexpected collateral calls, rising interest payments, or a potential policy lapse, you’re not alone.

Sweetnam Schuster & Schwartz LLC exclusively represents policyholders in complex insurance and trust litigation. We help high-net-worth individuals recover losses and hold advisors accountable for deceptive or negligent practices.

 
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What Is a Premium-Financed Life Insurance Policy?

Premium financing allows individuals to obtain large life insurance policies using loans to cover the premium. While often promoted as a tax-efficient estate planning tool, these arrangements can pose serious financial and legal risks if not structured or disclosed properly.

Common Risks Include:

  • Sudden interest rate increases or collateral demands

  • Mismanaged payments causing policy lapse

  • Incomplete disclosure by agents or brokers

  • Hidden conflicts of interest with trustees or advisors

  • Sales involving illegal STOLI schemes (Stranger-Originated Life Insurance)

 
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We Represent Policyholders in Complex Life Insurance Disputes

Our legal team brings years of experience in holding financial professionals and institutions accountable.

We represent clients in matters involving:

  • Wrongful rescission or policy cancellation

  • Deceptive or unsuitable financing arrangements

  • Loss of policy benefits due to misrepresentation

  • ILIT-related disputes and fiduciary breaches

  • Regulatory violations under standards like New York’s Reg 187

Currently Representing Policyholders in Landmark Litigation

We represent the Aronson family in a high-profile case against Brave Strategies, LLC and multiple insurers in New York Supreme Court. The suit alleges violations of fiduciary duty and regulatory non-compliance in the sale of a $150 million premium finance arrangement, spotlighting enforcement under New York’s Best Interest Rule (Regulation 187).

 

Why High-Net-Worth Policyholders Trust Our Firm

 

Sweetnam Schuster & Schwartz LLC is a boutique litigation firm focused solely on representing policyholders — never insurers, brokers, or lenders. Our approach combines strategic legal insight with a deep understanding of trust structures, insurance law, and fiduciary duty.

We’re known for:

  • Industry-shaping litigation experience

  • Aggressive, client-centered advocacy

  • Confidential and responsive representation

Request a Free, Confidential Case Review

If you’re concerned about a premium-financed policy or facing legal issues tied to your life insurance arrangement, contact us today. Our attorneys will evaluate your case and advise on your options, with discretion and care.