Moreland
Moreland v. The Prudential Insurance Company of America
Opinion
Trial Court Opinion
UNITED STATES DISTRICT COURT NORTHERN DISTRICT OF CALIFORNIA
SOCORRO MORELAND,
Case No. 20-cv-04336-RS Plaintiff, 11 v. ORDER DENYING MOTION FOR CLASS CERTIFICATION
THE PRUDENTIAL INSURANCE
COMPANY OF AMERICA, et al., Defendants.
15 I. INTRODUCTION, A decade ago, the California Legislature enacted new provisions in the state’s Insurance Code, effective January 1, 2013, to provide certain procedural protections for the holders of life insurance policies designed to minimize the chance of policy lapse or termination from inadvertent failure to pay premiums. Under California Insurance Code sections 10113.71 and 10113.72, life insurers must provide: (1) a 60-day grace period for late premium payments, (2) sufficient notice of any missed premium and “of pending lapse and termination” prior to the effective termination date, and (3) an annual opportunity to designate additional addressees to receive notice of a potential…