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Fighting for Victims of Indexed Universal Life (IUL) Investment Fraud.
Contact Us NOWUnderstanding IUL Investment Fraud Claims
RP Legal LLC | The Authority in Indexed Universal Life LitigationWhen 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.
View Current InvestigationsHelping 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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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.
Frequently Asked Questions
Understanding Your Legal RightsAn 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
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...

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...

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,...