In this video, Jonathan M. Deer, partner at Quantum Law Group, shares a critical rule in life insurance planning: if it looks too good to be true, it probably is.
Our firm is frequently contacted by clients and professionals who have been pitched complex life insurance products that promise unrealistic returns, free coverage, or guaranteed benefits. Jonathan explains why these deals often fail and how to apply a “sniff test” when evaluating them. No matter how polished the sales pitch, if the structure of the deal doesn’t feel right, it usually isn’t.
Red flags in life insurance planning
— Promises of “free” life insurance or coverage that “pays for itself”
— Unrealistic assumptions about cash value growth or premium financing
— Policies with no clear exit strategy for repayment of loans
— Agents minimizing risks or downplaying potential losses
— Pitches that feel too good to be true or rely on vague explanations
How to protect yourself from scams
— Apply common sense and trust your instincts when evaluating offers
— Consult with independent professionals before signing agreements
— Ask detailed questions about how policies are funded and sustained
— Avoid deals that rely solely on death benefits to cover loans or premiums
— Seek legal advice when a policy’s terms or risks are unclear
How Quantum Law Group helps clients
— Representing policyholders in disputes over denied benefits and bad faith conduct
— Litigating life insurance premium finance scams and unsuitable policies
— Challenging misleading sales practices by insurers and brokers
— Securing compensation for beneficiaries harmed by insurance company misconduct
— Advising clients on risk, exposure, and legal rights in complex financial products
About Quantum Law Group
Quantum Law Group is a Los Angeles-based litigation and trial law firm with decades of experience representing individuals, families, and businesses in high-stakes disputes. Our attorneys, including partners Jonathan M. Deer, Steven Morris, and Peyman Cohan, have a proven track record of holding insurers accountable and protecting clients from financial harm.
We serve clients throughout Southern California, including Los Angeles, Beverly Hills, Santa Monica, Pasadena, Downtown LA, South Bay, and Long Beach.
Practice areas we cover
— Life insurance disputes and bad faith litigation
— Business litigation and contract disputes
— Employment law and workplace claims
— Real estate and construction litigation
— Intellectual property and trade secret disputes
— Mediation, arbitration, and alternative dispute resolution
— Complex trial work requiring experienced litigators