Unfair Trade Practices Consumer Protection Law • Flexible Premium Whole Life Insurance Policy • Punitive Damages • Misrepresentation • Justifiable Reliance

Richards v. Ameriprise Fin., Inc., PICS Case No. 16-1590 (Pa. Super. Dec. 16, 2106) Panella, J. (22 pages).

Trial court correctly found for appellees on their UTPCPL claim against financial advisor and insurer because trial court properly found that financial advisor misrepresented the cost of the policy and that appellees justifiably relied on the misrepresentations but trial court erred in awarding punitive damages. Affirmed in part and reversed in part.