Could you have been overcharged on a universal life insurance policy?

Some life insurance companies may have overcharged certain universal life policyholders. If you have a universal life policy from one of these companies, we would like you to participate in our investigation into potential class action lawsuits.

This may apply to you if:

You have a universal life insurance policy.
Your policy is from one of the companies listed on this page or an affiliate.
You can find your policy number or a recent annual statement.

Join our investigation by filling out a short form.

join our investigation

Information on this page is for your information and is not legal advice. While any information you submit to us is held confidentially, we are not your attorneys until we sign an attorney-client agreement.

ATTORNEY ADVERTISING. No representation is made that the quality of legal services to be performed is greater than the quality of legal services performed by other lawyers. We practice law only in jurisdictions where we are licensed. Services may be provided in association with local counsel where required. This communication is for general information only and does not create an attorney‑client relationship. Past results do not guarantee a similar outcome. Raphael Janove is responsible for this content.

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What are we investigating?

Janove PLLC is investigating whether certain life insurance companies and their affiliates may have overcharged some universal life policyholders. Our investigation currently focuses on the companies listed on this page.

Universal life is a type of permanent life insurance. Your policy documents or annual statement will usually say what kind of policy you have.

Tell us about your policy using the form below. Filling it out doesn’t cost anything or commit you to anything.

Comapnies we are Investigating

Nationwide Life Insurance Company
West Coast Life Insurance Company
CMFG Life Insurance Company
Columbus Life Insurance Company
Jackson National Life Insurance Company

FAQs

About Class Actions

What is a class action lawsuit?

A class action is when a few individuals sue a company on behalf of many others—sometimes thousands.

What can a class action do to help?

When companies break laws in ways that hurt consumers, it can feel like there's no way to fight back. But by combining force through a class action, consumers can achieve an economy of scale and prosecute their interests. And they can win, forcing the companies to change their behavior or pay back damages, or both.

How long does a class action take?

It is hard to predict. Sometimes class actions settle and end very quickly, within a few months. The rare class action that goes all the way to a trial can last a few years.

What is a class representative?

Class representatives sue the defendant on behalf of everyone else. They are "named" in the lawsuit and work closely with their attorneys to prosecute the case. If the case requires it, class reps will have to swear to facts, share documents related to their claims, be deposed, or testify at trial, among other things.

Do I have to pay anything out of pocket?

No. You do not pay anything out of pocket. We only get paid if we win or settle your case. Our fee comes from the result, not from you.