Have you been paying more and more to maintain your adjustable or variable life insurance policy? If you have, you may have a claim against your insurance company. Certain life insurance companies have recently been sued for misrepresenting to consumers that their premium costs are based on the future expectations for such factors as investment earnings, mortality, persistency, expenses and taxes, and for failing to set premium costs based on those factors; instead, to price gouge and reap outrageous profits, these companies burden policy holders with increasing premium costs. As a result, policy holders pay more than they should, and policies are at greater risk of lapsing sooner than expected because increasing premium costs could diminish a policy's cash value to the point where it can no longer fund the contract. To see if you have a claim against your life insurance company, please consult an FBFG attorney.