Frequently Asked Questions

The Court authorized the Notice because you have a right to know about the Settlement, and all of your options, before the Court decides whether to give “final approval” to the Settlement. The Notice explains the nature of the lawsuit that is the subject of the Settlement, the general terms of the Settlement, and your legal rights and options.

In a class action, one or more people, called class representatives, sue on behalf of people who have similar claims. All of the people with similar claims are Settlement Class Members. One court resolves the issues for all Settlement Class Members, except those who exclude themselves from the Settlement Class.

In this Action, the Named Plaintiff alleges that Futurity was negligent and violated contractual and statutory duties in connection with a cybersecurity incident where an unauthorized third party may have obtained unauthorized access to personal information contained in certain files associated with customer communications with Futurity customers. Futurity denies any liability or wrongdoing of any kind associated with the claims in this Action.

This is just a summary of the allegations. The complaint in the Action is posted here and contains all of the allegations.

The Court has not decided in favor of the Plaintiff or Futurity. Instead, to resolve the Action without the expense, delay, and uncertainties of litigation, the parties reached a settlement. The proposed settlement would require Futurity to pay money and provide access to a credit monitoring product, and pay settlement Administrative Expenses, Attorneys’ Fees and Costs, and a Service Award to the Named Plaintiff, as may be approved by the Court. The settlement is not an admission of wrongdoing by Futurity and does not imply that there has been, or would be, any finding that Futurity violated the law.

You are a Settlement Class member if you are a resident of the United States whose information may have been accessed in the Incident and you received notice of the Incident from Futurity.

If you are not sure if you are a Settlement Class Member, you may call (888) 638-3053 with questions.

The Court has appointed a team of lawyers as Class Counsel.

Class Counsel will ask the Court to be paid legal fees and to be reimbursed for their reasonable expenses from the Settlement Fund.

You do not need to hire your own lawyer, but you may choose to do so at your own expense.

Futurity has agreed to establish a Settlement Fund, by depositing $335,000 with the Settlement Administrator.

The Settlement Fund will be used to pay settlement Administrative Expenses, Class Counsel’s Attorneys’ Fees and Costs, and a Service Award to the Named Plaintiff. After deducting amounts for Administrative Expenses, Class Counsel’s Attorneys’ Fees and Costs, and a Service Award to the Named Plaintiff, the remaining amount (“Net Settlement Amount”) will be used to pay timely valid claims.

A Settlement Class Member who timely submits a valid and approved Claim Form shall be entitled to a Claimant Award, which includes three categories of awards. Depending on the documentation submitted, a Settlement Class Member may be eligible for one or both awards (I and/or II):

I. Cash Payment or Credit Monitoring Services. All Settlement Class members may choose either:

• Three years of three-bureau Credit Monitoring Services; or
• A pro rata Alternative Cash Payment of up to $300 from the funds remaining in the Net Settlement Amount after payment of the Credit Monitoring Services and the categories of awards described in Section II below.

II. Reimbursement of Expenses. Any Settlement Class member who spent money as a result of the Incident, and submits valid documentation to establish this, is also eligible for:

• Reimbursement of up to $10,000 in ordinary documented out of pocket expenses, such as attorneys’ fees, accountants’ fees, and fees for credit repair services; costs associated with freezing or unfreezing credit with any credit reporting agency; credit monitoring costs that were incurred on or after the Incident through the Claims Deadline; and miscellaneous expenses such as notary, fax, postage, copying, mileage, and long-distance telephone charges as a result of the Incident, this would also include the cost of credit reports or credit monitoring the Settlement Class member already purchased in response to the Incident; and
• Reimbursement for time expended (up to 5 hours) to secure your credit compensated at $30 per hour.

After calculation of the above categories of awards, if any money remains from the Remaining Net Settlement Amount, that money will be distributed pro rata among all Settlement Class members who timely submitted a valid and approved Claim Form for an Alternative Cash Payment, or if too little money remains to make such a payment, the money will be donated to an appropriate charity.

You must submit a completed Claim Form no later than OCTOBER 29, 2025. You may submit a Claim Form online by clicking here or by calling (888) 638-3053.

The Settlement Administrator will decide whether and to what extent any Claim made on each Claim form is valid. The Settlement Administrator may require additional information. If you do not provide the additional information in a timely manner, the Claim will be considered invalid and will not be paid.

The Court will hold a Final Approval Hearing on December 19, 2025, at 10:00 a.m. ET to decide whether to approve the Settlement. If the Court approves the Settlement, there may be appeals from that decision and resolving those can take time, perhaps more than a year. It also takes time for all the Claim Forms to be processed. Please be patient.

Futurity gets a release from all claims covered by this Settlement. If the Settlement becomes final and you do not exclude yourself from the Settlement, you will be a Settlement Class Member and you will give up your right to sue Futurity and other persons (“Released Parties”) as to all claims (“Released Claims”) arising out of or relating to the Incident. This release is described in the Settlement Agreement, which is available here. If you have any questions you can talk to Class Counsel for free or you can talk to your own lawyer.

If you do not want to be part of this Settlement, you must take steps to exclude yourself from the Class. This is referred to below as “opting out” of the Class.

If you want to exclude yourself from the Settlement Class, sometimes referred to as “opting out,” you will not be eligible to recover any benefits as a result of this settlement and you will not receive a payment or have any rights under the Settlement Agreement. However, you would keep the right to sue Futurity at your own expense for the legal issues raised in this lawsuit. You may exclude yourself from the settlement by mailing a written notice to the Settlement Administrator, postmarked on or before SEPTEMBER 14, 2025. Your exclusion request letter must:

• Be in writing;
• State your current address;
• Contain the statement “I request that I be excluded from the Settlement Class in the case of Verderame Futurity First Insurance Group, LLC, 3:24-cv-01262-KAD (D. Conn.);
• Be signed by you; and
• Be mailed to the Settlement Administrator, PO Box 2007, Chanhassen, MN 55317-2007, postmarked on or before SEPTEMBER 14, 2025.

No. If you exclude yourself you will not be entitled to receive any benefits from the Settlement, but you will not be bound by any judgment in this case.

If you are a Settlement Class Member and you do not exclude yourself from the settlement, you can object to the settlement. To do so, you must file your written objection with the Court no later than SEPTEMBER 14, 2025, and mail a copy to Class Counsel and Futurity’s Counsel at the addresses listed below.

Your objection must be written and must include all of the following: (i) the name of the proceedings; (ii) the Settlement Class Member’s full name, current mailing address, and telephone number; (iii) a statement of the specific grounds for the objection, as well as any documents supporting the objection and a description of whether the objection applies only to the Settlement Class Member, a subset of the Settlement Class, or the entire Settlement Class; (iv) the identity of any attorneys representing the objector (if any); (v) a statement regarding whether the Settlement Class Member (or his/her attorney) intends to appear at the Final Approval Hearing; (vi) a description and/ or copies of evidence that may be introduced at fairness hearing; (vii) a list of proceedings in which the Settlement Class Member has submitted an objection during the past five years; and (viii) the signature of the Settlement Class Member or the Settlement Class Member’s attorney.

If your objection is submitted and overruled by the Court at the Final Approval Hearing, you will remain fully bound by the terms of the Settlement Agreement and the Final Approval Order.

Mailing addresses for Class Counsel and Futurity’s Counsel are as follows:

CLASS COUNSEL:

Marc Edelson
Edelson Lechtzin LLP
411 S. State Street, Suite N-300
Newtown, PA 18940
Phone: (215) 867-2399
medelson@edelson-law.com

Seth Lesser
Klafter Lesser LLP
2 International Drive, Suite 350
Rye Brook, NY 10573
Phone: (914) 934-9200
seth@klafterlesser.com

FUTURITY FIRST INSURANCE GROUP, LLC’s COUNSEL:

Eric R. Fish
Baker & Hostetler LLP
45 Rockefeller Plaza
New York, NY 10111
Phone: (212) 589-4200
efish@bakerlaw.com

Objecting means telling the Court that you do not like something about the settlement. You can object to the settlement only if you stay in the Settlement Class. Excluding yourself is telling the Court that you do not want to be part of the settlement. If you exclude yourself, you have no basis to object to the settlement because it no longer affects you.

Unless you exclude yourself, you will be part of the Settlement Class and you will be bound by the release of claims in the settlement. This means that if the settlement is approved, you cannot sue, continue to sue, or be part of any lawsuit against Futurity or the other “Released Parties” asserting a “Released Claim,” as described in the Settlement Agreement, which is available here. It also means that the Court’s Order approving the settlement and the judgment in this case will apply to you and legally bind you.

The Court will hold a Final Approval Hearing on December 19, 2025, at 10:00 A.M. at USDC District of Connecticut, Courtroom 2, 915 Lafayette Blvd., Bridgeport, CT. At the Final Approval Hearing, the Court will determine the overall fairness of the settlement, hear objections, and decide whether to approve the requested Attorneys’ Fees and Costs, Service Award to the Named Plaintiff, and Administrative Expenses. The hearing may be moved to a different date or time without additional notice, so it is a good idea to check this website and the Court’s docket for any updates.

No. Class Counsel will present the Settlement Agreement to the Court. You or your own lawyer are welcome to attend at your expense, but you are not required to do so. If you send an objection, you do not have to visit the Court to talk about it. As long as you filed your written objection on time with the Court and mailed it according to the instructions provided in this Notice, the Court will consider it.

Maybe. You may ask the Court for permission to speak at the final fairness hearing. To do so, you must file an objection according to the instructions in this Notice, including all the information required. Your objection must be postmarked no later than SEPTEMBER 14, 2025.

If you do nothing you will not get any money from this Settlement. If the Settlement is granted final approval and the judgment becomes final, then you will not be able to start a lawsuit, continue with a lawsuit, or be part of any other lawsuit against Futurity and/or the other Released Parties based on any of the Released Claims related to the Incident, ever again.

For more information, call the Settlement Administrator at (888) 638-3053. You may also write to the Settlement Administrator via mail to PO Box 2007, Chanhassen, MN 55317-2007 or via email at info@FFIGDataSettlement.com.