If, like the average American citizen probably does, you view the insurance industry as a benevolent protector that exists to serve its’ customers, you are in for one rude awakening. Ray Bourhis, who served as plantiff’s counsel in the case detailed in the book he later wrote, confronts the awesome duplicity of his adversary, one of the largest insurance underwriters in existence, a company that seemed determined not to honor its obligations at any cost. Bourhis describes the unending legal gamemanship, the obdurate refusal to settle, the psychological brutality of a company that appeared to prefer to destroy a policyholder than pay a claim on the agreed terms. The jury was not deceived and awarded Bouris’ client a $7.7 million judgement a compensation for the egregious bad faith demonstrated by the insurer. This is an absolutely revolting story of an “ends justify any and all means” philosophy run amok at the senior management level and the terrible human cost exacted from the trusting and powerless who had believed their policies would protect them in times of dire need, when illness or injury rendered them unable to work. If you ever plan on purchasing a long term disabilty insurance policy from any insurer, you MUST read this book first; you have no idea what you may be setting yourself up for.

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