National Leaders in IUL Investment Fraud Litigation

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.