We successfully represented an insurance agent in an investigation conducted by the Pennsylvania Insurance Department. The agent’s clients filed a complaint in which they alleged the agent failed to advise them of a waiver of premiums rider on the husband’s life insurance policy in the event of a disability of the insured. As a result, they claimed they had incurred ten years’ of premiums expenses that could have been waived. The investigator concluded that the claim was without merit and that no action would be taken by the Insurance Department against the agent.