Insult to Injury: Insurance, Fraud, and the Big Business of Bad Faith

How far will insurers go for profit?

Some books entertain. Others expose. Insult to Injury does the latter with precision and force.

This is a meticulously documented examination of the disability insurance industry and the corporate strategies that turned a promise of protection into a calculated profit model.

Drawing on sworn depositions, internal company memoranda, court records, and firsthand litigation experience, the authors reveal how major insurers systemically delayed, denied, and terminated valid claims, often targeting the very professionals who had paid premiums for years in good faith.

At its center are the human stories: accomplished individuals suddenly disabled, then forced into financial freefall when their benefits were cut off. Surrounding those stories is a larger, more unsettling portrait of regulatory failure, ERISA preemption, executive incentives, and the quiet normalization of “bad faith” as a business practice.

Written by attorneys who have challenged these practices in courtrooms across the country, this book reads as both legal narrative and corporate exposé.

For readers interested in insurance law, corporate accountability, and the real-world consequences of unchecked profit motives, Insult to Injury offers a compelling and sobering look at the high-stakes business of denying claims.

See what insurers hope you never learn.