This case involves a certified class of individuals against a pension and healthcare benefits provider as well was an actuarial firm relating to long term care insurance and wrongful premium increases in Oklahoma. Over ten years ago the defendant began marketing a specialized type of medical insurance product. They marketed them with the selling point that the rates paid by participants would never go up, which was understood to be the main benefit of these policies. The defendant invested the policies in more risky investments than they should have, investments that were not diversified. Eventually, the defendants realized that they could no longer cover these policies, so they raised rates by more than 100%. As a result of that increase in rate, a large number of fixed income individuals who owned these policies had to drop the policy or reduce their benefits.