Farmers denied Nebraska mom her husband's $350K life policy, offered $17,360 instead. A jury awarded her $11.3M Brian O’Connell Thu, November 5, 2026 at 11:00 AM GMT 7 min read
Vaneza Ramos, with her husband Jose Gaytan, recently had to go to court with the insurer.
Photo courtesy Pesek Law and Mario Tama/Getty Images

When a big insurance company changes the rules after a claim is activated, juries can step in to resolve the situation and hold insurers accountable.

That's what happened with Vaneza Ramos, an Omaha, Nebraska widow. Her legal battle is against Farmers New World Life Insurance, and it's over a life insurance claim filed after Ramos' husband, Jose Gaytan, a local ice cream shop owner, passed away in May 2020 due to Covid-19.