Learn how to protect yourself from life insurance brokers who make improbable offers, also known as elite rewards. If it is too good to be true, it usually is. First of all, you must understand that a low price offer is not necessarily a good offer. Before you sign a life insurance contract, verify certain information: if the insurance broker has already had complaints or been guilty of fraud or if he is licensed to practice his profession. The elite reward is a way to attract clients with an incredible offer that does not really make sense. Do you really need to take out a life insurance if it is not expensive? Not necessarily. It could be that the insurance product does not even meet your specific needs. Watch out for crooks who will take advantage of you through these incredible or fictitious policies.