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TRANSAMERICA LIFE INSURANCE CO V. ARUTYUNYAN, No. 22-55199 (9th Cir. 2024)

The United States Court of Appeals for the Ninth Circuit upheld a district court's default judgment entered against defendants Akop and Anahit Arutyunyan. The defendants were accused by Transamerica Life Insurance Company of engaging in insurance fraud. The district court found that the defendants persistently failed to obey court orders related to discovery and entered a default judgment against them. In the course of the legal proceedings, the court applied escalating sanctions against the defendants for their repeated non-compliance with court orders, eventually leading to the entry of a default judgment. The defendants contested this decision, but the Ninth Circuit Court found that their appeal was frivolous. The court held that the district court had not abused its discretion in entering a default judgment as a sanction for the defendants' violations of court orders. The Ninth Circuit also ordered the defendants and their counsel to show cause why sanctions should not be imposed under various provisions given the frivolous nature of the appeal and multiple misstatements made by counsel during oral argument.

Court Description: Sanctions / Default Judgment The panel affirmed the district court’s default judgment entered against defendants Akop and Anahit Arutyunyan in an action brought by Transamerica Life Insurance Company alleging defendants engaged in insurance fraud. The district court concluded that defendants repeatedly failed to obey court orders related to discovery and entered default judgment against them. The district court also entered distinct sanctions on defendants in two separate orders. The panel upheld the district court’s order deeming defendants’ objection to certain items of discovery to be forfeited and requiring production of those items. By failing to present any sufficient argument in their opening brief as to why the district court’s stated grounds for that decision were erroneous, defendants forfeited any challenge to that order on appeal. The panel held that the district court did not abuse its discretion in entering a default judgment as a sanction for defendants’ violations of court orders. The panel considered whether the district court’s analysis properly considered the factors in Malone v. U.S. Postal Serv., 833 F.2d 128, 130 (9th Cir. 1987), for entering a default judgment. The first two factors—the public’s interest in expeditious resolution of litigation and the court’s need to manage its docket— plainly favored entry of default on this record. The third factor—the risk of prejudice to the other party—favored a default judgment where defendants failed to comply with an order to produce specific discovery materials, and this created a sufficient risk of prejudice. The fourth factor— public policy favoring disposition of cases on their merits— weighed against default judgment, but it provided only little support for that conclusion. The fifth factor—the availability of less drastic sanctions—favored a default judgment because the district court implemented lesser sanctions before ordering a default and warned defendants of such a judgment if the non-compliance continued. The panel held that this appeal is frivolous. In view of its frivolous nature, and the multiple misstatements made by counsel at oral argument, by separate order the panel ordered defendants and their counsel to show cause why sanctions should not be imposed under 28 U.S.C. § 1912, 28 U.S.C. § 1927, Fed. R. App. P. 38, and/or the inherent authority of this court.

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Moving to Moscow

transamerica life insurance assignment

This guide was written prior to Russia’s 2022 invasion of Ukraine and is therefore not reflective of the current situation. Travel to Russia is currently not advisable due to the area’s volatile political situation.

Moscow is an incredibly large, interesting and challenging destination offering a wide variety of experiences for expats. There is much to see and learn about Russian culture in the capital city, and expats will certainly not be bored among the hustle and bustle of Moscow's lively streets. 

Living in Moscow as an expat

Moscow is a constantly changing and rapidly expanding city. As it's one of Russia's main economic centres, the majority of expats moving to Russia for work  settle here. Moscow offers job opportunities in a range of fields, from technology and finance to human resources and teaching. These generally come with a rather lucrative employment package, but are hard earned and can be difficult to find. 

Moscow has an extensive public transport system. The most common means of transport being the efficient, safe and cheap metro. Many of the metro stations are lavishly decorated and constitute works of art in themselves. During rush hour it can get crowded, especially in the centre. Traffic congestion can be nightmarish in Moscow and many expats choose to hire a driver rather than braving the roads alone.

Moscow is by no means short of cultural activities and events . No visit is complete without a trip to the Bolshoi Theatre, and ballet performances at the Kremlin Palace are outstanding. There are several fascinating museums in the city, as well as wonderful architecture. 

Cost of living in Moscow

Moscow has a relatively high cost of living. While it's cheaper than many of the world's major capitals, accommodation comes at a huge cost and those who choose to live lavishly will also pay dearly for it. That said, those with money can enjoy a luxurious  lifestyle in Moscow that's on a par with any major international city.

Expat families and children

Expat families should note that the standard of public education and hospitals can be considerably lacking in Moscow. That said, expats always have the option of sending their children to one of the private or international schools located in the capital. There are also numerous private healthcare facilities available that expats can visit.

Parents will be glad to know that Moscow is filled with attractions and activities to entertain the kids. Families will also discover that some of Moscow’s most attractive features are the many public parks dotted throughout the city, which give it a more spacious and leafier feel. Going for a walk in the park is a daily habit for many residents, and families with children can make use of these green spaces for a day spent outdoors.

Climate in Moscow

Unlike the rest of Russia, Moscow has a humid continental climate. Summer weather is warm with average daytime temperatures of  73°F (23°C). Most of the city's rainfall occurs during the summer months. Winters, on the other hand, are long, cold and snowy.  

Expats in Moscow who can keep an open mind will find that the Russian capital has a lot to offer. Before moving to Moscow, expats should read as much as they can about the city to prepare themselves and to minimise any initial culture shock . One of the best ways to prepare for relocating to Moscow is to learn how to read the Cyrillic alphabet and speak some basic Russian.

Further reading

►For info about the ups and downs of life in the city, read Pros and Cons of Moving to Moscow . 

Expat interviews " What I like the most about Moscow is the city itself. It is always clean, vibrant, and full of entertainment and friendly pedestrians. It means that you can walk as far as you want to and feel safe about doing so." Read more about Eva, an Indonesian expat, and her move to Moscow in her interview.  " Honestly, I think Moscow is highly underrated. Compared to other metropolitan cities in the world, I think it is one of the best cities for quality of life! "Expats usually relocate here for business purposes since there are plenty of opportunities to take advantage of. Another bonus is the fast pace of city life, which is great for many expats."  Read about Russia from the perspective of a Russian – Yulia, a global nomad, shares her thoughts on life in Moscow . 

Are you an expat living in Moscow?

Expat Arrivals is looking for locals to contribute to this guide, and answer forum questions from others planning their move to Moscow. Please contact us if you'd like to contribute.

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transamerica life insurance assignment

IMAGES

  1. Transamerica Life Insurance Review 2020

    transamerica life insurance assignment

  2. Transamerica Life Insurance Claimant Statement Form

    transamerica life insurance assignment

  3. Transamerica Living Benefits

    transamerica life insurance assignment

  4. Collateral Assignment Form

    transamerica life insurance assignment

  5. Transamerica Whole Life Insurance

    transamerica life insurance assignment

  6. Transamerica Life Insurance Forms

    transamerica life insurance assignment

COMMENTS

  1. PDF Transamerica Life Insurance Company Collateral Assignment

    Transamerica Life Insurance Company Home Office: 4333 Edgewood Road NE Cedar Rapids, IA 52499 Collateral Assignment (This form does not change the beneficiary of the Policy) (the "Company") Policy Number: Insured's Name: THIS FORM WILL NOT BE RECORDED IF MODIFIED UNLESS APPROVED BY THE COMPANY

  2. Customer Service Center

    Fill out the service form online and click the "submit" button to make Beneficiary, Collateral Assignment and Absolute Assignment changes. (You can also fill out the form, print it and mail it or FAX it back.) Online self-service is safe and secure Your Policy/Certificate information is password secured.

  3. PDF United States Court of Appeals for The Ninth Circuit

    In March 2016, Transamerica issued life insurance a policy to Anahit, which covered her father, Akop, as the "Insured." The policy included a "Comprehensive Long Term Care Insurance Rider," under which Transamerica generally agreed to "pay a Monthly Long Term Care Benefit when the Insured has incurred expenses for Qualified Long

  4. TRANSAMERICA LIFE INSURANCE COMPANY v. ARUTYUNYAN (2024)

    Plaintiff-Appellee Transamerica Life Insurance Company ("Transamerica") sued Defendants-Appellants Akop Arutyunyan and his daughter Anahit Arutyunyan 1 for allegedly engaging in a conspiracy to defraud Transamerica into paying benefits under a long-term care insurance policy. ... The asserted basis for the assignment was that Anahit was ...

  5. PDF Assignment of Compensation

    Instructions: Use this assignment of compensation form (the "Assignment") to assign your commissions as follows: Complete applicable sections below being sure to sign and date the form with original signatures (and title, if other than individual)

  6. Transamerica Life Insurance Company

    Life. Committed to you for life. No matter where you are in life. Value? What is the value of a financial professional? What? We know you have questions about life insurance, and here are the answers. Check the background of Transamerica Capital, Inc. on FINRA's BrokerCheck.

  7. Customer Service Center

    You never know when you might need a claim form or when you'll want to update your personal information. Why not be ready today? Find Out More FAQs General Policy Information I lost/misplaced or do not have a copy of my Policy/Certificate. How do I request a copy to view and print?

  8. A step by step guide to submitting a benefits claim

    A step by step guide to submitting a benefits claim A step by step guide to submitting a benefits claim January 09, 2024 FacebookLinkedInEmail Get the quick guide on how to submit a claim whether you want to submit online, by email, phone, fax, or mail. Download Reach out. 800-797-2643 Retirement Employer Sponsored Plans Plan Services + Investments

  9. MyTransamerica

    Transamerica is here to help. Whether you need to update your beneficiary information, set up an automatic withdrawal from your bank account, or change the name on your policy or contract, all the information you need is available on your MyTransamerica account. To access the various service forms for your account, simply login. Customer login:

  10. PDF Transamerica Life Insurance Company Policy Service Request

    For example, in the event your policy is a Modified Endowment Contract (MEC), amounts received (including loans, assignments and/or pledges) prior to the death of the insured may be fully taxable, and before the owner is age 59 1/2, subject to a 10% tax penalty.

  11. Transamerica Life Insurance Company

    For Life & Annuity Web Support Weekdays 9 a.m. - 6 p.m. ET Policy Owners: 1-800-851-9777, ext 4820116 Agents: 1-800-851-9777, ext 4820377 For Agent Licensing & Appointment Assistance

  12. PDF Section A: Requirements and Instructions

    • Current and New Owners' signatures and dates are required for all ownership transfers and/or changes. If the Policy has an assignment, the signature of assignee(s) will be required. • Not all policies allow joint or multiple owners. Please verify whether the policy allows joint or multiple • owners before submitting a change.

  13. Life Insurance

    Speak to an insurance agent about purchasing a new insurance policy at 800-797-2643 or locate an agent near you by using our tool below. Find an Agent Near You You can't predict the future, but you can prepare for it.

  14. PDF Absolute Assignment to Effect Internal Revenue Code Section 1035

    Absolute Assignment. The undersigned hereby assign(s) and transfer(s) to the Company all right, title and interest of every nature and character in and to the Contract described above ("Contract") in an exchange for a life insurance policy ("Policy") that the undersigned intend(s) to qualify under section 1035.

  15. TRANSAMERICA LIFE INSURANCE CO V. ARUTYUNYAN, No. 22-55199 (9th Cir

    The defendants were accused by Transamerica Life Insurance Company of engaging in insurance fraud. The district court found that the defendants persistently failed to obey court orders related to discovery and entered a default judgment against them. ... The asserted basis for the assignment was that Anahit was "'the one who pays the care ...

  16. About Transamerica Life Insurance Company

    Transamerica Life Insurance Company (TLIC) has been helping people achieve their dreams of financial security for over 50 years. We offer an array of innovative products, exceptional service and a commitment to helping our clients build, protect and preserve their hard-earned assets. Transamerica offers a wide array of innovative financial ...

  17. Kendrick v. Transamerica Occidental Life Insurance Company

    Transamerica Occidental Life Insurance Company: Case Number: 1:2024cv00513: Filed: February 22, 2024: Court: US District Court for the District of Colorado: Presiding Judge: ... Magistrate Judge consent form issued pursuant to D.C.COLO.LCivR 40.1, direct assignment of civil actions to full time magistrate judges. (tgall, )

  18. Customer Service Center

    Step 2 Select your state: Step 3 Complete Steps 1 and 2 to retrieve forms. You will need Acrobat Reader to download these forms. If you don't have it, click here . If you have any questions or concerns: Please call us toll-free at 1-800-527-9027 if you would like to speak with a Claims Representative.

  19. Transamerica Life Insurance Review 2024

    Transamerica's Term Life Insurance Rates vs. Top Competitors. Transamerica's Trendsetter Super costs an average of $190 a year for a 20-year, $500,000 policy for a healthy 30-year-old female ...

  20. Transamerica

    Forbes Advisor Selects Transamerica Life Insurance as Top in Four Categories. This month Forbes Advisor selected Transamerica as a standout in the life insurance industry for best life insurance for seniors and buyers in their 50s. The publication also called out Transamerica as top-ranked for reliable policy illustrations and no-exam policies.

  21. Transamerica Financial Life Insurance Company

    Explore. Check the background of Transamerica Capital, Inc. on FINRA's BrokerCheck.

  22. Access your Transamerica Employee Benefits Here

    Log in How to File a Claim It's easy to file your claim online, or by email, phone, mail, or fax. Download the PDF for simple step-by-step instructions, or watch the video to learn how to file, manage, and check the status of a claim 24/7 from your personalized portal. Give us a call at 888-763-7474 with any questions about your policy or claim.

  23. Cost of Living in Moscow

    The list below shows the average cost of living in Moscow before Russia's war in Ukraine and was last updated prior to 2022. Accommodation (monthly rent) Three-bedroom apartment in the city centre. RUB 135,000. Three-bedroom apartment outside the city centre. RUB 73,000. One-bedroom apartment in the city centre. RUB 70,000.

  24. Log Into Your Account

    1 Identify Yourself 2 Choose an account Log in Need an account? First, tell us who you are Hover over each link below to find out how to best identify yourself. Then click on the link that best describes you. Individual Financial Professional Employer Reach out. 800-797-2643 Retirement Employer Sponsored Plans Plan Services + Investments

  25. Moving to and living in Moscow

    Moscow is a constantly changing and rapidly expanding city. As it's one of Russia's main economic centres, the majority of expats moving to Russia for work settle here. Moscow offers job opportunities in a range of fields, from technology and finance to human resources and teaching. These generally come with a rather lucrative employment ...

  26. ch. 2 quiz answers Flashcards

    Study with Quizlet and memorize flashcards containing terms like The movement of headquarters of the Russian Empire to St. Petersburg allowed that city to become a(n):, Japanese investment in Russia's Far East has been held up by a longstanding dispute over:, Persistently frozen ground is known as: and more.

  27. Life cycle assessment of the existing and proposed municipal solid

    The life cycle of waste starts from its generation at a consumer of a good and service, i.e., waste collection at special container sites. This boundary implies the so-called "zero burden" approach (Ekvall et al., 2007), which was used because waste generation remains the same in all the scenarios. In this study, however, waste generation ...