Life insurance is going way, way up for some people, which has insured parties worried. And understandably so.

Interest rates have fallen in a lot of places—some are at zero, and many are even negative. And back when actuaries didn’t think a world below 8 percent insurance rates could exist, they’re struggling to see a possible rise in these same fallen numbers. On top of that, people who purchased insurance in the 80s and 90s are also seeing their premiums increase drastically.

Many are suing insurers because of this unexpected turn of events.

Image via Insurance Information Institute.