Ohio's Universal Guaranty Life Sued by HIV-Positive Florida Lawyer

Important note: Information in this article was accurate in 1994. The state of the art may have changed since the publication date.

Ohio's Universal Guaranty Life Sued by HIV-Positive Florida Lawyer

Knight-Ridder (12/22/94)
McCabe, Robert

Universal Guaranty Life in Ohio has been sued by a HIV- positive Florida lawyer who claims that the company sold life insurance policies to people with AIDS, cancer, and other illnesses and then tried to drop them as policyholders. Gay activist Allan H. Terl accuses the company of racketeering and is seeking the original $50,000 coverage promised under his policy as well as unspecified damages. Terl said that the "Protector Series" policies were sold without requiring a physical examination and without asking whether the applicant had HIV. After having filled out the application and sent in the first payment, Terl received a letter from the president of Universal Guaranty Life stating that the agent who sold the policy was not licensed in Florida and had been soliciting business fraudulently. Terl was offered a settlement of his paid premium, plus $1,000 if he would voluntarily surrender his policy within 10 days. Terl refused and is demanding that the company honor the contract. The agent has been confirmed to be licensed in Florida but under the first name "Vanda" not "Wanda," which appears on her business card.

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