Prior to instructing us, a life insurer had raised a reserve to cater for a life time benefits claim. However, we subpoenaed records at an early stage which revealed that the insured had failed to disclose a range of conditions prior to taking out the policies. Acting on our advice, the life insurer avoided the policies. We then served a Calderbank offer which was successful in persuading the insured to discontinue his claim. Our involvement in this claim saved the life insurer up to $1 million.