The Real Housewives of Orange County - RHOC Vicki Gunvalson

Did Vicki Gunvalson Scam an 82 Year Old Woman??

Yikes – RHOC Vicki Gunvalson might want to get ahead of this story as it certainly doesn’t paint her in a flattering light!

The OG of the OC Vicki Gunvalson is reportedly being sued by an 82-year-old woman who is claiming that the reality star committed fraud by lying to her for over 20 years.

According to The Blast , a woman named Joan Lile is suing the OC star and her company, Coto Insurance for fraud, breach of fiduciary duty, negligence, intentional infliction of emotional distress and breach of contract. That’s quite the list isn’t it?

It is reported that Lile purchased a policy of long-term care insurance along with her husband from Vicki. They were looking for a policy that if one spouse passed away, future medical premiums for the surviving spouse would be covered on the policy.

Here’s where it gets technical, as it is claimed that Vicki “sold them a policy that she promised had an inclusion the special provision “Lifetime Waiver of All Premiums for a Surviving Spouse.”

This was very important as “Robert Lile was significantly older than Joan Lile and wanted, above all else, to know that his wife would be protected financially upon his passing.”

During the last 20 years, Lile “paid ever-increasing premiums yet was ultimately denied the specific benefit on which the purchase of the policy was predicated.”

When Robert passed away in 2017, Mrs. Lile tried to exercise the SWOP benefit that was outlined by Vicki; however was denied by the insurance company and continued to be charged policy premiums.

A rep for Vicki did respond with a rather canned response stating:

“The claims alleged against Gunvalson are completely false. Gunvalson has always acted professionally and with the utmost truthfulness and integrity in every transaction that she acted as an insurance agent for her clients. She has never engaged in any fraudulent conduct nor misrepresented any terms of any policy. She vehemently denies the false allegations made against her in the lawsuit by Mrs. Lile.”

I am not in the insurance profession so this whole thing is a bit confusing for me. I will say that as Joan is a 20 year client of Vicki it seems a bit odd that she wouldn’t have communicated to Vicki her specific needs or had a strong understanding of what the policy included. On the other hand, people sign documents all the time without fulling understanding what they entail so I’m going to have to hear more before forming an opinion.

What are your initial thoughts on this story?

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About the author


Lydia is a Midwest girl who has a passion for running, yoga with a guilty pleasure for all things Bravo. She also loves traveling, her cat and contributing to her favorite reality blog AllAboutTRH! Some of the highlights from being on the AATRH team include being featured on Radio Andy, E! Online and visiting the Bravo Clubhouse.

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