The carriers, on the record.
We don't take carrier money, so we can say what a rate card can't. Each carrier we investigate gets a status — Clean, Watch, or Flagged — and a file documenting exactly how we got there.
The products they push hardest
Which of their lines drive the most commission — and whether those line up with what's good for the buyer.
The illustration track record
How their non-guaranteed illustrations have held up against the guaranteed column over the last decade.
In-force behavior
COI increases, dividend cuts, and how they've treated existing policyholders when the numbers got tight.
The underwriting niche
Conditions they're aggressive on, conditions they punish — the difference that moves your rating by whole tables.
Under investigation.
All files →Life-insurance lawsuits and enforcement actions — pulled weekly from public court records. Legislation is tracked in Capitol Hill below.
This week's wire records eight litigation items, led by a $110M Transamerica class action settlement and cost-of-insurance appeals involving Transamerica and Connecticut General. Benefit-denial cases dominate the remainder, spanning the Third, Fourth, Sixth, Eighth and Ninth Circuits.
- Sep 7, 2026 Litigation
- Aug 28, 2026 Litigation
- Aug 11, 2026 Litigation
- Aug 11, 2026 Litigation
- Aug 10, 2026 Litigation
- Jun 22, 2026 Litigation
- Jun 17, 2026 Litigation
- May 7, 2026 Litigation
Sources: CourtListener/RECAP, Congress.gov, and public class-action & regulator feeds. Automated aggregation of public records — links go to the original source. Not legal advice.
Federal insurance bills moving through Congress — pulled from the public Congress.gov record — plus the landmark laws and rulings that still shape what you're sold. State & local tracking is expanding.
- Sep 11, 2026 Federal
- Sep 11, 2026 Federal
- 2025 Court FCC one-to-one consent rule vacated
The 11th Circuit struck down the rule that would have required separate consent for each seller — reviving blanket, lead-sharing consent.
- 1991 Law Telephone Consumer Protection Act (TCPA)
The federal law behind "prior express written consent" — the checkbox that governs every marketing call and text you receive.
- 2020 Rule NAIC Actuarial Guideline 49-A
Capped how aggressively indexed universal life can be illustrated and curbed indexed-loan arbitrage. Tightened again in 2023.
- 1995 Rule Life Insurance Illustrations Model Regulation (#582)
Set the disclosure rules that require a guaranteed and a non-guaranteed column on every policy illustration.
- 1988 Law TAMRA — the Modified Endowment Contract rules
Created the 7-pay test that strips the tax advantages from an over-funded policy — the trap behind "max-funded" pitches.
Live bills: Congress.gov API · automated aggregation of public records. Landmark items curated by PolicyReveal, linked to the primary source. Not legal advice.
Carriers we're tracking
Carrier files publish as investigations close.
We name a carrier only when we can document the claim. When a dossier cites a specific carrier, that carrier gets a file here automatically — with every investigation that mentions them collected in one place.