Over the past decade, insurance agents and financial advisors have aggressively promoted Indexed Universal Life (IUL) policies as a way to enjoy “market upside” without the risk of loss. They are often pitched as “safe retirement income” or “tax-free investment growth.”
In reality, many investors discover too late that these policies are complex, high-cost contracts that often underperform.
IUL policies tie cash value growth to the performance of a stock market index, such as the S&P 500. On paper, this sounds like a way to capture market gains with limited downside. In practice, the costs and limitations are significant.
Policyholders face:
The result is shrinking cash values, rising premiums, and in many cases, policies that lapse entirely.
In our experience representing investors, we frequently see the same red flags with IUL policies:
When the reality of an IUL does not match the sales pitch, investors are left with unexpected costs, diminished coverage, and financial losses. These situations often give rise to legal claims for misrepresentation, unsuitability, or failure to properly disclose risks.
If you purchased an IUL policy and suffered financial losses, or were misled about its risks and costs, you may have legal claims against the insurance company, the selling agent, or the financial institution that approved the sale.
ChapmanAlbin represents victims of misleading insurance sales and unsuitable investment recommendations nationwide. We investigate whether you were given accurate information and pursue recovery of your losses.
If your IUL policy isn’t performing as promised, contact us today for a free, confidential review of your case.
Step 1.
Talk to an Experienced Attorney Today
Call and speak to one of our attorneys* for a no-cost consultation to discuss your situation, answer your questions, and help you determine the next steps. This call usually takes about 15 minutes, but we are happy to talk to you as long as you would like!
Step 2.
Quick Review of Your Paperwork
If we think you might have a case, we will need to review a few basic documents. If we determine you have a case, then you will have the option to hire us as your attorneys to pursue it.
Step 3.
Signed Attorney/Client Agreement
If you decide to hire us to pursue your case, we will have you sign an attorney-client agreement so we can begin the process of trying to recover your losses.*
*In the vast majority of cases, our agreement is contingent – meaning you won’t owe us any money unless we recover money for you.
