Casualty and liability insurers use various methods to save themselves money at the expense of clients. Much of this is done by utilizing defense loyal annuity brokers in settlement negotiations. The skillful use of post settlement underwriting and re-underwriting, jumbo case discount/daily rates, rebates in commission payouts, and life assurance affiliates can significantly benefit insurance companies on a defendant's side while short-changing the plaintiff. The following is a sampling of some recent cases that illustrate these practices.

Lyons v. Medical Malpractice Insurance Association, 730 N.Y.S.2d 345, 286 A.D.2d 711 (N.Y. App. Div. 2001)

Macomber v. Travelers Property and Casualty Corporation, 260 Conn. 620, 804 A.2d 180 (Sept. 3, 2002)

The intent of insurance companies is further demonstrated by the this AIG memo.