National Leaders in IUL Litigation

Fighting for Victims of Indexed Universal Life (IUL) Investment Fraud.

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Understanding IUL Investment Fraud Claims

RP Legal LLC | The Authority in Indexed Universal Life Litigation

When financial professionals promote Indexed Universal Life (IUL) policies as retirement plans or investment alternatives, they are legally obligated to act in the best interests of their clients. Too often, IUL policies are sold based on misleading promises, including tax-free retirement income, self-funding premiums after a few years, or guaranteed returns tied to the stock market.

In many cases, insurance agents present themselves as financial advisors to gain trust, offering IULs as low-risk retirement strategies. These agents often lack the proper licenses or fiduciary obligations, yet promote complex life insurance policies as if they were investment products. When the truth emerges, policyholders are left with growing loan balances, collapsing policies, and serious financial losses. An IUL investment fraud claim is a legal action to recover those losses caused by fraud, negligence, or failure to follow insurance and financial regulations.

RP Legal LLC Represents IUL Victims Nationwide

With almost a decade of focused experience, RP Legal LLC is the national leader in IUL litigation. We represent professionals, retirees, business owners, and families who were sold IUL policies under false or deceptive pretenses.

Our legal team evaluates each case based on the policy documents, illustrations, funding strategies, and sales representations. We pursue financial recovery from insurance carriers, brokers, and financial advisors who misled their clients.

If you purchased an IUL policy based on promises of tax-free income or a retirement plan that would fund itself, your policy may have been misrepresented. Request a confidential case review today.

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Speak to lawyer 24hrs a day (803) 805-7546
National Leaders in Indexed Universal Life (IUL) Litigation

Helping Victims of Fraudulent IUL Sales and Misleading Retirement Plans

The attorneys at RP Legal LLC have represented more than 400 clients nationwide who were misled into purchasing Indexed Universal Life (IUL) policies disguised as retirement plans, tax-free income strategies, or wealth-building tools. These cases often involve insurance agents, financial advisors, and multi-level marketing networks that used deceptive tactics to sell high-risk, high-cost policies to professionals, retirees, and business owners.

Our firm has recovered tens of millions of dollars for victims of these failed IUL strategies. We are committed to holding insurance companies, advisors, and marketers accountable for false promises, unrealistic illustrations, and policy designs that lead to collapse and financial harm.

If you were told that your IUL would replace your 401(k), fund itself after a few years, or provide guaranteed tax-free income, your policy may have been misrepresented.

Call (803) 805-7546 or request a free policy review today. We offer nationwide representation with a focused practice in IUL litigation and policy recovery.

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National IUL and Investment Fraud Lawyers

Cases We Handle

RP Legal LLC represents clients across the United States who have suffered losses from deceptive financial products, including Indexed Universal Life (IUL) policies, premium financed life insurance, and other schemes marketed as retirement or investment strategies.

Our team focuses on uncovering misconduct by insurance agents, financial advisors, and marketing firms who sold complex life insurance products using false promises, misleading illustrations, or unsuitable funding structures. We help victims recover losses tied to:

  • IUL policies marketed as tax-free retirement plans
  • Premium financed IULs sold as “free insurance” or no-cost strategies
  • IRA and 401(k) rollovers into life insurance
  • Multi-level marketing (MLM) networks selling IUL as investment alternatives
  • Policies at risk of collapse due to growing loans or rising costs

To find out how we can help in your situation, contact RP Legal LLC for a free policy review and case evaluation.

Case Results

Our Record Speaks For Itself
Recoveries for Victims of IUL and FIP Investment Fraud
$10,000,000

RP Legal LLC has recovered over tens of millions of dollars for victims in these cases.
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Jury Verdict for Failed IUL Retirement Strategy
$1,500,000

A jury awarded $1,526,156.54 for our client, ruling against Pacific Life Insurance Company.

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Featured on InsuranceNewsNet
LEADERSHIP

Robert Rikard, founding attorney of RP Legal LLC, was recently featured in a nationally recognized insurance publication.

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Any result the lawyer or law firm may have achieved on behalf of clients in other matters does not necessarily indicate similar results can be obtained for other clients.

Work with the Nation’s Leading IUL Litigation Firm

Focused Representation for Victims of Misleading Indexed Universal Life Policies

At RP Legal LLC, we represent individuals and families who were sold Indexed Universal Life (IUL) policies based on false promises. These cases often involve complex loan arrangements, unrealistic performance illustrations, and deceptive marketing that leads to serious financial loss.

Our firm has helped hundreds of clients nationwide recover losses caused by IUL policies that were pitched as tax-free retirement plans, self-funding insurance, or premium-financed strategies. We understand how these products are sold, how they fail, and how to hold those responsible accountable.

When you work with RP Legal LLC, you gain a legal team dedicated to this specific area of financial misconduct. We pursue justice with focus, urgency, and deep experience in IUL litigation.

Talk to a Lawyer About Your IUL Losses

If your policy is underperforming, at risk of lapse, or no longer matches what you were promised, you may have a valid legal claim. Whether you are ready to take action or just want answers, we encourage you to reach out. Call (803) 805-7546 or request a confidential policy review today.

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RP Legal LLC Attorneys

Meet the Lawyers Behind RP Legal LLC

National Advocates for Victims of IUL and Investment Fraud

The attorneys at RP Legal LLC focus on helping clients recover losses from deceptive financial products, including Indexed Universal Life (IUL) policies, premium-financed insurance plans, and fraudulent retirement strategies. If you were misled about how your life insurance policy would perform, our team is here to help.

With a national practice, courtroom experience, and a proven track record, RP Legal LLC represents plaintiffs in high-stakes investment fraud and insurance litigation. Our lawyers hold top legal distinctions, including AV® Preeminent ratings and Super Lawyers “Top Rated” honors, and have secured major recoveries on behalf of clients nationwide.

Legal Leadership in IUL Litigation

Our attorneys have led some of the most significant IUL recovery cases in the country. We understand how these complex policies are sold, how they fail, and how to uncover the misconduct behind them. With focused experience, deep resources, and a client-first approach, RP Legal LLCis the national authority in this space.

Get to know the team that has helped hundreds of clients take action and recover what they lost.

Consumer Checklist:

Was Your IUL Policy Misrepresented?

If you were sold an Indexed Universal Life (IUL) policy as part of your retirement, estate, or investment planning, you may have been misled. RP Legal LLC has reviewed hundreds of policies sold under false pretenses, resulting in major financial harm to doctors, retirees, business owners, and families nationwide.

Many of these policies were marketed as safe, tax-free, and guaranteed. But the fine print tells a very different story. This checklist can help you identify whether your IUL policy was sold with inaccurate, incomplete, or deceptive information.

Frequently Asked Questions

Understanding Your Legal Rights

An Indexed Universal Life (IUL) policy is a permanent life insurance product that includes a cash value account linked to the performance of a stock market index, such as the S&P 500. These policies are often marketed as retirement income tools or tax shelters. An IUL may be considered unsuitable if it was misrepresented at the time of sale, involved unrealistic assumptions, or failed to match your financial situation, risk tolerance, or long-term goals.

You may be a victim if:

  • You were told your policy would fund itself after a few years
  • The plan was pitched as tax-free retirement income
  • You experienced unexpected premium calls or loan growth
  • The policy is underperforming compared to the sales illustration
  • You felt pressured into a high-premium or complex financing structure
  • The agent failed to explain risks, fees, or long-term consequences

If your policy was misrepresented, you may be entitled to recover:

  • Premiums already paid
  • Interest and principal on premium financing loans
  • Out-of-pocket costs related to policy maintenance or loan servicing
  • Surrender penalties or fees
  • Missed investment opportunities in other qualified plans
  • Tax exposure resulting from policy collapse or improper structuring

Premium financing involves using borrowed funds to pay life insurance premiums, often through a bank or private lender. These plans are typically marketed to high-net-worth individuals as a way to secure large policies with little or no out-of-pocket cost. The risk comes from variable interest rates, unrealistic performance projections, and the potential for the loan balance to exceed the policy’s value, leading to policy lapse, tax exposure, or forced repayment.

Start by requesting a free policy review from RP Legal LLC, the nation’s leading law firm focused on IUL litigation. Our team has represented hundreds of clients who were sold Indexed Universal Life policies based on false promises, hidden costs, and unrealistic projections. We will carefully evaluate your policy documents, loan terms, and illustrations to determine whether you were misled or financially harmed. If we take your case, we will fight to recover your losses and hold the responsible parties accountable.

Current Investigations

Cases We’re Actively Pursuing
Current Investigation
Social Media Influencers Promoting IUL Policies as Retirement Plans

Social Media Influencers Promoting IUL Policies as Retirement Plans

RP Legal LLC Is Investigating Financial Influencers Misleading Consumers on Instagram, TikTok, and YouTube A growing number of social media...

July 10, 2025 Read more
Current Investigation
IUL Policies Marketed as “Private Pensions” or “Be Your Own Banker”

IUL Policies Marketed as “Private Pensions” or “Be Your Own Banker”

RP Legal LLC Is Investigating Life Insurance Sales Based on Misleading Retirement Promises Across the country, insurance agents and marketers...

July 9, 2025 Read more
Current Investigation
IUL Policies Pitched to Doctors, Dentists, and Business Owners

IUL Policies Pitched to Doctors, Dentists, and Business Owners

RP Legal LLC Is Investigating High-Income Professionals Targeted by Misleading Life Insurance Strategies In recent years, thousands of doctors, dentists,...

July 8, 2025 Read more

Client Testimonials

~ Alex

Great attorneys that were able to help me with all my legal issues involving my LLC. I would 100% recommend this firm to anyone who needs legal assistance with their small business.

~ Charles

Solid litigators who have your best interest in mind!

~ Giovanni

Great attorneys! Professional and patient. I enjoyed working with them!

~ Christopher

If you want real lawyers that don’t mess around and waste your time then hire these guys. Robert Rikard and Peter Protopapas aggressive trial lawyers. The staff is friendly and helpful as well!!! 100% recommend!

~ Charles

Peter is the BEST!! I had the misfortune of needing an attorney, and through a chance encounter was pointed in his direction. Their attention to detail and knowledge of their profession is second to none! Don’t waste your time with these ambulance chasers you see all over the TV - if you need results look no further!!

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2110 N Beltline Blvd
Columbia, SC 29204

Phone: (803) 805-7546

FAX: 803-978-6112

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10 Shem Drive, Suite 200
Mt Pleasant, SC 29464

Phone: (803) 805-7546

FAX: 803-978-6112

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