Do you have a Universal Life Insurance Policy?

Your “permanent policy” may lapse (cease to exist) before paying a death benefit- take action now.

Our research shows that 90% of UL/VUL policyholders will likely receive no death benefit.


Do you have a Universal Life Insurance Policy?

Your “permanent policy” may lapse (cease to exist) before paying a death benefit- take action now.

Our research shows that 90% of UL/VUL policy holders are likely to receive no death benefit at all.

Attention Policyholders of Universal Life Insurance Policies:

If you own a universal life insurance policy (UL, IUL, VUL) or Group UL/VUL  from ANY life insurance provider, you must take action. Your “permanent” policy could lapse (cease to exist) despite making all of your payments.

Attention Investors:

If you are an investor (bonds or equities) in the life insurance sector, you must take action to understand the risk you are exposed to.

After researching over 5,000 MetLife individual UL and VUL policies totaling over $1,000,000,000 ($1B) in death benefits, author and financial advisor, Elan Moas exposes how these policies are designed to fail rather than succeed.

Attention Regulators:

No current rules mandate that an in-force illustration be sent annually to policyholders. They are unaware their policies will lapse in the future.

In Q1 2023, Elan Moas presented his findings to the state of Massachusetts, the SEC, and submitted two new whistleblower complaints based on his UL/Group UL and VUL/Group VUL research. Elan’s findings show why 90% of policies will likely lapse before paying a death benefit.

Who does this risk apply to:



Universal life policyholders from any company (UL, IUL, VUL, and Group UL/VUL)

Financial planners

Wealth Manager/Wall Street

Who are invested (stocks or bonds) in the life insurance sector



A beneficiary (individuals or charitable entities) on a universal life policy.



CEO or human resource executive that currently offers Group UL/VUL in the employee benefits package

estate planners

Estate Planners/High Net Worth

Someone who has done estate planning or premium financing with universal life


CPA/Financial Advisors

Whose clients own these policies- you must alert them to their risk

You’re doing the right thing—putting money into a life insurance policy to ensure your family will be financially protected if you pass away. But if you’re like many people, this isn’t a policy you’ve analyzed closely (or even know how to).

We have. Unfortunately, our extensive research shows that 90% of universal life policies will likely pay zero benefits, even if you make all your payments. Universal life policies are a multi-trillion-dollar industry with huge companies banking on one thing: You’re not going to do the math. We can help.

Moas Consulting can help you determine the following:

  • Whether your policy falls into this high-risk category
  • What next steps can you take to adjust and protect your death benefits

Elan Moas, the founder of Moas Consulting, is the author of the book LAPSED, The Universal Life Insurance Whistleblower. As an industry whistleblower, author, and consultant, Elan is on a mission to help and educate millions of families about their life insurance and if needed transition them to more effective policies. Contact us today to learn more.


Learn more

“Lapsed:The Universal Life Insurance Whistleblower”, is an industrywide expose of Universal (UL) , Variable Universal (VUL), Index Universal (IUL) and Group UL/VUL policies.

Help me fix my policy

For those that fell victim to an individual or group universal life insurance policy, my team and I can help you fix this problem.

How else can we help?

Media Appearances
Public Speaking
Dedicated Advisor
Group Life/Group Benefits
Expert Witness

5.0 out of 5 stars Revealing book!

Reviewed in the United States on August 1, 2023

Great! Finally someone who explained the universal life mess correctly. Yes. His explanation of the in force illustration is something my advisor never told me about. Do yourself a favor and order one.

5.0 out of 5 stars The hard truth

Reviewed in the United States on August 2, 2023

Verified Purchase

Whistleblowers are a rare breed. Thank you for exposing the hard truth!

5.0 out of 5 stars This book changed my LIFE (insurance policy)!

Reviewed in the United States on August 6, 2023

Verified Purchase

This book is a must-have if you own a universal life insurance policy. I can’t imagine anyone who has this keeping their policy after completing the “scorecard” that Moas offers in the book.

My firm specializes in protecting your loved ones and assets with term insurance and whole life insurance strategies.