THE INSURANCE CONSUMER today is concerned with various issues such as pricing and the appropriateness of the coverage purchased. Not only are they "charged" a premium that has dramatically increased in price over the past few years, but they are also "charged" with an understanding of the nearly incomprehensible written policy contract with all of its terms and conditions; only to be challenged by a claims adjuster when a loss claim is made. Who can the policyholder consult to get a fair result?

THE INSURANCE PROFESSIONAL is faced with unparalleled challenges in today's market than at any other time in history. Rather than becoming more simplified, the "business of insurance" has become more exacting and now demands not only an old school knowledge of the insuring agreement, but also of Ecommerce, Marketing, Principal/Agent/Sub-Agent relations and Regulatory Oversight. Add to this mix the large volume of individual transactions, the probability of catastrophic losses and commission reductions and you have a business in constant, albeit confusing, motion. When you need specific legal advice, the type of advice that only an experienced insurance agent can appreciate, who can you turn to?

MY NAME IS CHARLES RANDALL and I've been involved in the "business of insurance" since I was 18 years of age; some 35 years ago. In addition to having been an insurance agent for many years, I have worked in the insurance company compliance divisions of both Arthur Andersen and Coopers & Lybrand.  For the last 22 years, I've been involved as a lawyer litigating and resolving consumer insurance coverage disputes of all types, agent disciplinary proceedings, viatical/life settlement acquisition, management and recovery, as well as the transactional needs of the insurance agent.

THERE ARE MANY THINGS THAT I WON’T DO and I am selective of the client I choose to serve. But since you’ve gone this far, take some time to review my website, which was specifically designed to provide services for the INSURANCE CONSUMER, the INSURANCE PROFESSIONAL and the VIATICAL/LIFE SETTLEMENT INVESTOR to see if there is anything I can do for you.