NEW YORK, June 6, 2018: Highlighting the breadth of Morgan Lewis’s experience and client capabilities nationally, The Legal 500 United States has ranked the firm as a leader in 59 practice categories and recognized 243 Morgan Lewis lawyers for excellence in its newly released 2018 edition.
The firm garnered the highest ranking of Tier 1 in 10 practice categories. Additionally, 25 partners were given “Leading Lawyer” designations, the most prestigious designation awarded to individuals by the directory, 15 lawyers were named up-and-coming “Next Generation Lawyers,” and 203 lawyers were recommended in the guide.
TIER 1 PRACTICE RANKINGS
Finance
- Not-for-profit (nonprofit and tax exempt organizations)
- Structured finance: securitization
Labor and employment
- Employee benefits, executive compensation and retirement plans: design
- ERISA litigation
- Labor and employment disputes (including collective actions): defense
- Labor-management relations
- Workplace and employment counseling
M&A/corporate and commercial
- Commercial deals and contracts
Media, technology and telecoms
Tax
ADDITIONAL PRACTICE RANKINGS
Antitrust
- Cartel
- Civil litigation/class actions: defense
- Merger control
Dispute resolution
- Appellate: courts of appeals
- Appellate: supreme courts (states and federal)
- Corporate investigations and white-collar criminal defense: advice to corporates
- Corporate investigations and white-collar criminal defense: advice to individuals
- Financial services: litigation
- General commercial disputes
- Product liability, mass tort and class action: automotive/transport
- Product liability, mass tort and class action: pharmaceuticals and medical devices – defense
- Product liability, mass tort and class action: toxic tort – defense
- Securities litigation: defense
Finance
- Capital markets: debt offerings - advice to issuers
- Capital markets: equity offerings - advice to issuers
- Capital markets: equity offerings - advice to managers
- Commercial lending: advice to lenders
- Project finance: advice to sponsor
- Restructuring (including bankruptcy): corporate
- Structured finance: derivatives and structured products
Industry focus
- Energy: renewable/alternative
- Energy litigation: oil and gas
- Energy regulatory: conventional power
- Energy regulatory: oil and gas
- Energy transactions: conventional power
- Energy transactions: oil and gas
- Environment: litigation
- Environment: regulatory
- Healthcare: health insurers
- Healthcare: life sciences
- Healthcare: service providers
- Insurance: advice to policyholders
Intellectual property
- Copyright
- Patents: licensing
- Trademarks: non-contentious (including prosecution, portfolio management and licensing)
Investment fund formation and management
- Alternative/hedge funds
- Mutual/registered/exchange-traded funds
- Private equity funds (including venture capital)
Labor and employment
- Employee benefits, executive compensation and retirement plans: transactional
- Immigration
M&A/corporate and commercial
- M&A: large deals ($1bn+)
- Private equity buyouts
- Venture capital and emerging companies
Media, technology and telecoms
- Cyber law (including data privacy and data protection)
- Technology: transactions
- Telecoms and broadcast: regulatory
- Telecoms and broadcast: transactional
Real estate
Tax
- US taxes: non-contentious
LEADING LAWYERS
- Reed Auerbach: Finance: Structured finance: securitization
- Michael Banks: Labor and employment: Labor and employment disputes (including collective actions): defense
- Jeremy Blumenfeld: Labor and employment: ERISA litigation
- Sarah Bouchard: Labor and employment: Labor and employment disputes (including collective actions): defense
- David Bowman: Labor and employment: Workplace and employment counseling
- Joseph Costello: Labor and employment: Labor and employment disputes (including collective actions): defense
- Deborah Davidson: Labor and employment: ERISA litigation
- James Dragna: Industry focus: Environment: litigation; Industry focus: Environment: regulatory
- Jonathan Fritts: Labor and employment: Labor-management relations
- Thomas Harman: Investment fund formation and management: Mutual/registered/exchange-traded funds
- Roger Joseph: Investment fund formation and management: Mutual/registered/exchange-traded funds
- Timothy Levin: Investment fund formation and management: Mutual/registered/exchange-traded funds
- Andrew Lipman: Media, technology and telecoms: Telecoms and broadcast: transactional
- John Magee: Tax: US taxes: contentious
- Barbara Murphy Melby: Media, technology and telecoms: Outsourcing
- Brian Ortelere: Labor and employment: ERISA litigation
- Eleanor Pelta: Labor and employment: Immigration
- Michael Pillion: Media, technology and telecoms: Outsourcing
- Celia Roady: Finance: Not-for-profit (nonprofit and tax exempt organizations)
- Samuel Shaulson: Labor and employment: Labor and employment disputes (including collective actions): defense
- Louis Singer: Investment fund formation and management: Private equity funds (including venture capital)
- Grace Speights: Labor and employment: Labor and employment disputes (including collective actions): defense
- Steven Spencer: Labor and employment: Employee benefits, executive compensation and retirement plans: design
- Steven Wall: Labor and employment: Labor-management relations
- Paul Zevnik: Industry focus: Insurance: advice to policyholders
NEXT GENERATION LAWYERS
- Lincoln Bisbee: Labor and employment: Labor and employment disputes (including collective actions): defense
- Christopher Boran: Labor and employment: ERISA litigation
- Daniel Bordoni: Labor and employment: Labor-management relations
- Ada Finkel: Media, technology and telecoms: Outsourcing
- Laura Flores: Investment fund formation and management: Mutual/registered/exchange-traded funds
- Matthew Hawes: Labor and employment: Employee benefits, executive compensation and retirement plans: design
- Melissa Hill: Labor and employment: ERISA litigation
- Brian Jazaeri: Industry focus: Healthcare: health insurers
- Alan Leeds: Industry focus: Healthcare: life sciences
- Saul Mezei: Tax: US taxes: contentious
- Michael Müller: Industry focus: Energy transactions: conventional power
- Jack O’Brien: Investment fund formation and management: Mutual/registered/exchange-traded funds
- Alexander Reid: Finance: Not-for-profit (nonprofit and tax exempt organizations)
- Doneld Shelkey: Media, technology and telecoms: Technology: transactions
- Michelle Seldin Silverman: Labor and employment: Workplace and employment counseling
RECOMMENDED LAWYERS
- Michael Abernathy: Industry focus: Healthcare: life sciences
- Gary Adler: Antitrust: Civil litigation/class actions: defense
- Jacqueline Aguilera: Labor and employment: Workplace and employment counseling
- Sari Alamuddin: Labor and employment: ERISA litigation
- Richard Aldridge: M&A/corporate and commercial: M&A: large deals ($1bn+)
- Felipe Alice: Industry focus: Energy transactions: oil and gas
- Kristin Altoff: Intellectual property: Trademarks: non-contentious (including prosecution, portfolio management and licensing)
- Neeraj Arora: Finance: Project finance: advice to sponsor
- Casey August: Tax: US taxes: non-contentious
- Jenny Austin: Tax: US taxes: contentious
- Anne Bandes: Finance: Commercial lending: advice to lenders
- Michael Banks: Labor and employment: Workplace and employment counseling
- Rosina Barker: Labor and employment: Employee benefits, executive compensation and retirement plans: design
- Akshay Belani: Finance: Structured finance: derivatives and structured products
- Jonathan Bernstein: Finance: Commercial lending: advice to lenders
- Paul Bessette: Industry focus: Energy regulatory: conventional power
- Lincoln Bisbee: Labor and employment: Workplace and employment counseling
- Craig Bitman: Labor and employment: Employee benefits, executive compensation and retirement plans: transactional
- Michael Blanchard: Dispute resolution: Securities litigation: defense
- Russell Blau: Media, technology and telecoms: Telecoms and broadcast: regulatory; Media, technology and telecoms: Telecoms and broadcast: transactional
- Timothy Bransford: Media, technology and telecoms: Telecoms and broadcast: regulatory; Media, technology and telecoms: Telecoms and broadcast: transactional
- David Brenneman: Antitrust: Merger control
- Troy Brown: Dispute resolution: General commercial disputes
- Steven Browne: M&A/corporate and commercial: M&A: large deals ($1bn+)
- Michele Buenafe: Industry focus: Healthcare: life sciences
- Stephen Burdick: Industry focus: Energy regulatory: conventional power
- Timothy Burke: Dispute resolution: Corporate investigations and white-collar criminal defense
- Michael Burkhardt: Labor and employment: Labor and employment disputes (including collective actions): defense
- Karen Butcher: Intellectual property: Trademarks: non-contentious (including prosecution, portfolio management and licensing)
- Winn Carter: Industry focus: Energy regulatory: oil and gas
- Laurie Cerveny: M&A/corporate and commercial: M&A: large deals ($1bn+)
- Justin Chairman: Finance: Capital markets: debt offerings - advice to issuers; Finance: Capital markets: equity offerings
- Daniel Chefitz: Industry focus: Insurance: advice to policyholders
- Ezra Church: Dispute resolution: General commercial disputes; Media, technology and telecoms: Cyber law (including data privacy and data protection)
- Steven Cohen: Industry focus: Healthcare: life sciences; M&A/corporate and commercial: Venture capital and emerging companies
- Michael Conza: Finance: Capital markets: equity offerings; M&A/corporate and commercial: Venture capital and emerging companies
- J. Gordon Cooney, Jr.: Dispute resolution: Product liability, mass tort and class action: automotive/transport
- Lea Anne Copenhefer: Investment fund formation and management: Mutual/registered/exchange-traded funds
- Joyce Cowan: Industry focus: Healthcare: health insurers; Industry focus: Healthcare: service providers
- David Sean Cox: Industry focus: Insurance: advice to policyholders
- William Cravens: Antitrust: Civil litigation/class actions: defense
- John Crespo: Finance: Project finance: advice to sponsor
- Renée Dailey: Finance: Restructuring (including bankruptcy): corporate
- Thomas D’Ambrosio: Finance: Structured finance: derivatives and structured products
- Kenneth Davis: Intellectual property: Trademarks: non-contentious (including prosecution, portfolio management and licensing)
- R. Alec Dawson: M&A/corporate and commercial: Private equity buyouts
- Althea Day: Labor and employment: Employee benefits, executive compensation and retirement plans: design
- Ronald Del Sesto, Jr.: Media, technology and telecoms: Telecoms and broadcast: regulatory
- Tinos Diamantatos: Dispute resolution: Corporate investigations and white-collar criminal defense
- Susan DiCicco: Dispute resolution: General commercial disputes
- Robert Dickey: M&A/corporate and commercial: M&A: large deals ($1bn+)
- Christopher Dlutowski: Investment fund formation and management: Alternative/hedge funds
- Sean Donahue: Finance: Capital markets: debt offerings - advice to issuers; Finance: Capital markets: equity offerings
- James Dragna: Industry focus: Energy litigation: oil and gas
- Terrence Dugan: Finance: Project finance: advice to sponsor
- Rick Eisenbiegler: Finance: Commercial lending: advice to lenders
- Matthew Elkin: Finance: Not-for-profit (nonprofit and tax exempt organizations)
- Charles Engros, Jr.: M&A/corporate and commercial: M&A: large deals ($1bn+)
- Brian Ercole: Dispute resolution: Product liability, mass tort and class action: automotive/transport
- Anne Marie Estevez: Labor and employment: Labor and employment disputes (including collective actions): defense
- J. Clayton Everett, Jr.: Antitrust: Cartel
- Scott Farmer: Tax: US taxes: non-contentious
- J. Kevin Fee: Intellectual property: Copyright; Intellectual property: Trademarks: non-contentious (including prosecution, portfolio management and licensing)
- Stephanie Feingold: Industry focus: Environment: litigation
- Wendy West Feinstein: Dispute resolution: Product liability, mass tort and class action: pharmaceuticals and medical devices – defense; Dispute resolution: Product liability, mass tort and class action: toxic tort - defense
- John Ferreira: Labor and employment: Employee benefits, executive compensation and retirement plans: design
- John Filippone: M&A/corporate and commercial: Private equity buyouts
- Richard Filosa: Finance: Project finance: advice to sponsor; Industry focus: Energy transactions: conventional power
- Tamar Finn: Media, technology and telecoms: Telecoms and broadcast: regulatory
- Debra Fischer: Labor and employment: Labor and employment disputes (including collective actions): defense; Labor and employment: Workplace and employment counseling
- Baird Fogel: Finance: Project finance: advice to sponsor
- Jason Frank: Dispute resolution: Securities litigation: defense
- Carol Freeman: Labor and employment: Workplace and employment counseling
- Ross Friedman: Labor and employment: Workplace and employment counseling
- Bernard Garbutt III: Dispute resolution: Product liability, mass tort and class action: pharmaceuticals and medical devices - defense
- Kirstin Gibbs: Industry focus: Energy regulatory: oil and gas
- Thomas Giblin, Jr.: Finance: Capital markets: debt offerings - advice to issuers; Finance: Capital markets: equity offerings
- Steven Giordano: Investment fund formation and management: Alternative/hedge funds
- John Gisleson: Industry focus: Energy litigation: oil and gas
- Richard Goldman: Investment fund formation and management: Alternative/hedge funds
- John Goodchild III: Finance: Restructuring (including bankruptcy): corporate
- Edward Hansen: Media, technology and telecoms: Outsourcing; Media, technology and telecoms: Technology: transactions
- Robert Jon Hendricks: Labor and employment: Labor and employment disputes (including collective actions): defense
- Elizabeth Herrington: Media, technology and telecoms: Cyber law (including data privacy and data protection)
- Jordan Hershman: Dispute resolution: Securities litigation: defense
- W. Reece Hirsch: Media, technology and telecoms: Cyber law (including data privacy and data protection
- Nathan Hochman: Dispute resolution: Corporate investigations and white-collar criminal defense
- Michel Yves Horton: Industry focus: Insurance: advice to policyholders
- Leah Houghton: Industry focus: Insurance: advice to policyholders
- Brian Jazaeri: Industry focus: Healthcare: service providers
- Ethel Johnson: Dispute resolution: Product liability, mass tort and class action: pharmaceuticals and medical devices – defense; Labor and employment: Labor and employment disputes (including collective actions): defense
- Harry Johnson, III: Labor and employment: Labor-management relations
- Jeffrey Johnson: Finance: Structured finance: securitization
- Terry Johnson: Labor and employment: Labor and employment disputes (including collective actions): defense
- Jeremy Kantrowitz: Investment fund formation and management: Mutual/registered/exchange-traded funds
- Rahul Kapoor: Intellectual property: Patents: licensing; Media, technology and telecoms: Technology: transactions
- Krissy Katzenstein: Labor and employment: Labor and employment disputes (including collective actions): defense; Labor and employment: Workplace and employment counseling
- Gerald Kehoe: Investment fund formation and management: Private equity funds (including venture capital)
- Thomas Kellerman: M&A/corporate and commercial: Venture capital and emerging companies
- Amy Pocino Kelly: Labor and employment: Employee benefits, executive compensation and retirement plans: transactional
- Kathleen Keyser: Real estate
- Brendan Killeen: Labor and employment: Labor and employment disputes (including collective actions): defense; Labor and employment: Workplace and employment counseling
- Bryan Killian: Dispute resolution: Appellate
- Thomas Klanderman: Real estate
- Kenneth Kliebard: Dispute resolution: Financial services: litigation
- Kenneth Komoroski: Industry focus: Energy litigation: oil and gas
- Gerald Konkel: Industry focus: Insurance: advice to policyholders
- Eric Kraeutler: Intellectual property: Trademarks: non-contentious (including prosecution, portfolio management and licensing)
- Michael Kraut: Dispute resolution: Financial services: litigation; Dispute resolution: General commercial disputes; Dispute resolution: Securities litigation: defense
- Mark Krotoski: Antitrust: Cartel; Media, technology and telecoms: Cyber law (including data privacy and data protection)
- Kenneth Kulak: Industry focus: Energy: renewable/alternative
- Molly Moriarty Lane: Industry focus: Healthcare: health insurers
- Gina Lauriero: Labor and employment: Employee benefits, executive compensation and retirement plans: transactional
- John Lavelle, Jr.: Dispute resolution: Product liability, mass tort and class action: pharmaceuticals and medical devices - defense
- Randall Mark Levine: Dispute resolution: Appellate
- Steve Levitan: Finance: Structured finance: securitization
- Thomas Linguanti: Tax: US taxes: contentious
- Andrew Lipman: Media, technology and telecoms: Telecoms and broadcast: regulatory
- James Loss: M&A/corporate and commercial: M&A: large deals ($1bn+); M&A/corporate and commercial: Private equity buyouts
- Camarin Madigan: Industry focus: Environment: litigation
- Jeffry Mann, Ph.D.: Industry focus: Healthcare: life sciences
- Levi McAllister: Industry focus: Energy regulatory: oil and gas
- Elaine McChesney: Dispute resolution: Financial services: litigation
- Paul McCoy: Investment fund formation and management: Private equity funds (including venture capital)
- John McGahren: Industry focus: Environment: litigation; Industry focus: Environment: regulatory
- John McGuire: Investment fund formation and management: Mutual/registered/exchange-traded funds
- Bill McKee: Tax: US taxes: non-contentious
- Jami Wintz McKeon: Dispute resolution: Financial services: litigation
- David McManus: Labor and employment: Workplace and employment counseling
- Eric Meckley: Labor and employment: Labor and employment disputes (including collective actions): defense
- Barbara Murphy Melby: M&A/corporate and commercial: Commercial deals and contracts; Media, technology and telecoms: Technology: transactions
- Scott Memmott: Industry focus: Healthcare: service providers
- Christopher Menconi: Investment fund formation and management: Mutual/registered/exchange-traded funds
- Barbara Miller: Labor and employment: Labor and employment disputes (including collective actions): defense; Labor and employment: Workplace and employment counseling
- David Monteiro: Antitrust: Cartel
- Kelly Moore: Dispute resolution: Corporate investigations and white-collar criminal defense
- Jonathan Morris: Finance: Project finance: advice to sponsor
- Jeffrey Moss: Industry focus: Insurance: advice to policyholders
- Steven Navarro: M&A/corporate and commercial: M&A: large deals ($1bn+)
- Daniel Nelson: Tax: US taxes: non-contentious
- Carla Oakley: Intellectual property: Copyright
- Amy Pandit: Finance: Capital markets: equity offerings
- Gregory Parks: Dispute resolution: General commercial disputes; Media, technology and telecoms: Cyber law (including data privacy and data protection)
- Michelle Pector: Dispute resolution: General commercial disputes
- William Peterson: Dispute resolution: Appellate
- Vito Petretti: M&A/corporate and commercial: Commercial deals and contracts; Media, technology and telecoms: Technology: transactions
- Michael Philipp: Finance: Structured finance: derivatives and structured products
- Peter Phleger: Investment fund formation and management: Private equity funds (including venture capital)
- Michael Pickett: Real estate
- Michael Pillion: M&A/corporate and commercial: Commercial deals and contracts; Media, technology and telecoms: Technology: transactions
- Ulises Pin: Media, technology and telecoms: Telecoms and broadcast: regulatory; Media, technology and telecoms: Telecoms and broadcast: transactional
- John Polito: Intellectual property: Copyright
- Anita Polott: Intellectual property: Trademarks: non-contentious (including prosecution, portfolio management and licensing)
- Michael Puma: Labor and employment: Labor and employment disputes (including collective actions): defense; Labor and employment: Workplace and employment counseling
- Joseph Ragaglia: Labor and employment: Labor-management relations
- Jeffrey Raskin: Industry focus: Insurance: advice to policyholders
- Marc Reardon: Finance: Project finance: advice to sponsor; Industry focus: Energy transactions: conventional power
- Steven Reed: Antitrust: Cartel; Antitrust: Civil litigation/class actions: defense; Antitrust: Merger control
- Patrick Rehfield: Labor and employment: Employee benefits, executive compensation and retirement plans: transactional
- Susan Resley: Dispute resolution: Securities litigation: defense
- Mark Riccardi: Finance: Structured finance: securitization
- Melinda Riechert: Labor and employment: Labor and employment disputes (including collective actions): defense; Labor and employment: Workplace and employment counseling
- Esther Ro: Dispute resolution: Product liability, mass tort and class action: automotive/transport
- Harry Robins: Antitrust: Merger control
- Richard Rosenblatt: Labor and employment: Labor and employment disputes (including collective actions): defense; Labor and employment: Workplace and employment counseling
- Ira Rosenstein: Labor and employment: Labor and employment disputes (including collective actions): defense
- John Rosenthal: Dispute resolution: Financial services: litigation
- Gary Rothstein: Labor and employment: Employee benefits, executive compensation and retirement plans: transactional
- David Salmons: Dispute resolution: Appellate
- Kathleen Sanzo: Industry focus: Healthcare: life sciences
- Daniel Savrin: Antitrust: Cartel
- Kenneth Schacter: Dispute resolution: Financial services: litigation; Dispute resolution: Securities litigation: defense
- Michael Schlemmer: Labor and employment: Workplace and employment counseling
- David Schrader: Industry focus: Environment: litigation
- Douglas Schwarz: Labor and employment: Workplace and employment counseling
- Toby Serkin: Investment fund formation and management: Mutual/registered/exchange-traded funds
- Barbara Shander: M&A/corporate and commercial: Private equity buyouts
- Doneld Shelkey: M&A/corporate and commercial: Commercial deals and contracts; Media, technology and telecoms: Outsourcing
- Charlene Shimada: Dispute resolution: Securities litigation: defense
- Michelle Seldin Silverman: Labor and employment: Labor and employment disputes (including collective actions): defense
- Eric Sitarchuk: Dispute resolution: Corporate investigations and white-collar criminal defense
- Edwin Smith: Finance: Structured finance: derivatives and structured products
- Wayne Song: Industry focus: Energy: renewable/alternative
- Marc Sonnenfeld: Dispute resolution: Securities litigation: defense
- Joanne Soslow: Finance: Capital markets: debt offerings - advice to issuers; Finance: Capital markets: equity offerings; M&A/corporate and commercial: Venture capital and emerging companies
- Grace Speights: Labor and employment: Workplace and employment counseling
- Steven Spencer: Labor and employment: Employee benefits, executive compensation and retirement plans: transactional
- Sanford Stark: Tax: US taxes: contentious
- Scott Stempel: Antitrust: Cartel; Antitrust: Merger control
- Joshua Sterling: Investment fund formation and management: Mutual/registered/exchange-traded funds
- Eric Stern: Real estate
- Marshall Stoddard, Jr.: Finance: Commercial lending: advice to lenders
- Glen Stuart: Industry focus: Energy litigation: oil and gas
- Randall Sunberg: Industry focus: Healthcare: life sciences; Intellectual property: Patents: licensing
- Kathryn Sutton: Industry focus: Energy regulatory: conventional power; Industry focus: Energy regulatory: oil and gas
- Charles Sweet: Finance: Structured finance: securitization
- Adrian Talamantes: Finance: Project finance: advice to sponsor; Industry focus: Energy transactions: oil and gas
- Richard Taffet: Antitrust: Civil litigation/class actions: defense
- Alison Tanchyk: Dispute resolution: Corporate investigations and white-collar criminal defense
- Stephen Tirrell: Investment fund formation and management: Alternative/hedge funds
- Richard Toelke: Real estate
- Willard Tom: Antitrust: Cartel; Antitrust: Civil litigation/class actions: defense
- Larry Turner: Labor and employment: Workplace and employment counseling
- James Tynion III: Finance: Project finance: advice to sponsor; Industry focus: Energy: renewable/alternative; Industry focus: Energy transactions: conventional power; Industry focus: Energy transactions: oil and gas
- A. James Vázquez-Azpiri: Labor and employment: Immigration
- Julio Vega: M&A/corporate and commercial: Venture capital and emerging companies
- Steven Wall: Labor and employment: Labor and employment disputes (including collective actions): defense
- Catherine Wang: Media, technology and telecoms: Telecoms and broadcast: regulatory; Media, technology and telecoms: Telecoms and broadcast: transactional
- Christopher Weals: Labor and employment: ERISA litigation
- Jedd Wider: Investment fund formation and management: Alternative/hedge funds
- William Wilhelm, Jr.: Media, technology and telecoms: Telecoms and broadcast: regulatory; Media, technology and telecoms: Telecoms and broadcast: transactional
- Mark Williams: Industry focus: Energy regulatory: conventional power
- Howard Young: Industry focus: Healthcare: health insurers; Industry focus: Healthcare: service providers
- Richard Zarin: Tax: US taxes: non-contentious
- Paul Zevnik: Dispute resolution: Product liability, mass tort and class action: automotive/transport; Dispute resolution: Product liability, mass tort and class action: pharmaceuticals and medical devices - defense; Dispute resolution: Product liability, mass tort and class action: toxic tort - defense
- Jonathan Zimmerman: Labor and employment: Employee benefits, executive compensation and retirement plans: design
- Yardena Zwang-Weissman: Dispute resolution: Product liability, mass tort and class action: pharmaceuticals and medical devices - defense; Dispute resolution: Product liability, mass tort and class action: toxic tort - defense; Industry focus: Insurance: advice to policyholders