Photo of Gary L. Howard

Gary Howard has spent his 25-five year career litigating across the country on behalf of insurers in class actions; fraud and bad-faith cases; and contract, agent and lost-profits disputes. He prides himself on an in-depth understanding of his clients’ businesses and on building mutual trust between himself and those at all levels within his clients’ organizations. Gary is active in insurance trade and bar associations, such as ALIC and ACLI, and often serves a speaker or author on insurance-related topics.

A Letter from the Editors

Because each state’s laws related to insurance are unique and because federal courts’ application of ERISA to a set of facts can vary from circuit to circuit, there exist myriad nuances in the law as applied to life, health, disability and long-term care insurance. To address this somewhat amorphous area

What’s Who You Love Got to Do with It? Allegations of Sexual-Orientation Discrimination in the Context of Insurance UnderwritingA Massachusetts lawsuit in which a gay man is alleging that his sexual orientation was a discriminatory factor in an insurer’s refusal to issue him a long-term care (LTC) insurance policy could have ramifications for insurers nationwide. At issue in the case is the drug protocol called pre-exposure prophylaxis (or PrEP). PrEP was approved by