Indexed Universal Life Insurance (IUL) Lawsuit Investigation

Gibbs Mura LLP has launched an investigation into suspected deceptive sales tactics used to market Indexed Universal Life (IUL) policies.

Investors may have been told these products offered “tax-free” retirement income, while hidden charges, escalating premiums, and inflated return illustrations quietly eroded their cash value. Many investors may have purchased IUL policies based on advice from commission-driven agents whose financial incentives were never adequately disclosed.

If you purchased a Universal Life Insurance Policy and think you were misled, contact our IUL Lawyers today by filling out the form below for a free consultation.

An Indexed Universal Life Insurance (IUL) Policy is often marketed as a “tax free” retirement tool, but in addition to misleading sales tactics, IUL Policies often come with the following risks:

• Misleading Growth Projections – Your policy’s cash value is often projected to grow significantly but may not perform as expected with real market behavior.
• Potential Policy Lapse – Rising premiums, poor performance, or loan interest can cause the policy to lapse, leaving investors without coverage or expected value.
• High Fees and Hidden Charges – Policy fees, rider costs, administrative charges, and costs deducted from premiums can quietly erode investment gains.
• Rising Costs Over time – The cost of insurance (COI) increases as you age, which can dramatically reduce cash value and diminish retirement income potential.
• Premium Financing Risks – Borrowing money to fund an IUL can create additional risk, including loan interest and the possibility of policy collapse.
• Better Alternatives Often Exist – Traditional retirement accounts, index funds, or annuities may be better alternatives, not covered in deceptive IUL sales tactics.

If you purchased an Indexed Universal Life Insurance (IUL) Policy because of potentially deceptive sales tactics, contact us today to speak with an IUL Lawyer.

Speak with an IUL Lawyer regarding your Life Insurance Policy if you have experienced any of the following:

• Your IUL Policy’s cash value is below its expected or promised value.
• You rolled over your 401(k), IRA, or other retirement account into an IUL.
• You experienced a surprise increase in the cost or maintenance of your policy.
• You experienced financial or retirement uncertainty after purchasing an IUL Policy.
• You chose an IUL Policy over other retirement products because of aggressive sales tactics, materials, presentations, or other insurance agent representations.

If these, or other not listed IUL-related concerns apply to you, consider speaking with a Life Insurance Lawyer today.

There is no financial downside to you if you pursue a legal claim—you only stand to recover additional funds.

We pursue cases on behalf of our clients on a “contingency fee basis”. This means that pursuing an IUL Lawsuit will cost you nothing unless we win, and even then, you pay nothing out-of-pocket (our attorneys’ fees and costs are deducted from your recovery).

Gibbs Mura, A Law Group

Gibbs Mura’s financial fraud and securities lawyers have more than two decades of experience prosecuting fraud. The firm has successfully litigated against some of the largest companies in the United States, and has recovered more than a billion dollars on clients’ behalf.

Gibbs Mura attorneys have fought some of the most complex cases brought under federal and state laws nationwide, and have been recognized with numerous awards and honors for their accomplishments, including Top 100 Super Lawyers in Northern California, Top Plaintiff Lawyers in California, The Best Lawyers in America, and rated AV Preeminent (among the highest class of attorneys for professional ethics and legal skills).

Silver Law Group

Silver Law Group is a team of securities lawyers, forensic accountants, and support staff who are dedicated to helping investors recover losses through securities arbitration and litigation.

The firm is led by Scott Silver, a former Wall Street defense attorney who has been representing customers in securities and investment fraud cases since 2002. Scott is admitted to practice in New York and Florida and the firm’s FINRA arbitration attorneys represents investors nationwide.