While all insurance disputes are potentially complex, claims relating to health, life, and disability insurance are personal in nature and, therefore, particularly sensitive, the issues must be analyzed in a competent and logical manner, cognizant of the rights and duties of the insurer and insured, and with due regard and respect for the confidential underpinnings of the relationship. These principles govern our services in this field of insurance law from the initial coverage opinion, through alternative dispute resolution processes and, if necessary, litigation. We are attuned to the special dynamics.