Fake Life Insurance Policies Gets PA Man Criminal Charges

June 20, 2025

In April 2025, the Pennsylvania Attorney General charged a Montgomery County man with multiple charges related to a fake life insurance scheme. The scheme involved using fake signatures to create fraudulent policies, thereby allegedly swindling National Guardian Life out of over $600,000 in commissions. The charges include felony theft by deception and identity theft.

If you are charged with insurance fraud, theft by deception, or identity theft, you face the possibility of extended jail time, and you must act immediately. Call the LLF Law Firm at 888-535-3686, or submit your details online, and we will contact you. The LLF Law Firm has a proven track record of defending people charged in PA with insurance fraud and other crimes.

Theft by Deception and Identity Theft

Pennsylvania law defines numerous theft crimes, including theft by deception. Theft by deception is the act of obtaining or withholding another’s property through misrepresentation. This misrepresentation may involve forgery, which is also a form of theft. Theft crimes are typically charged as third-degree felonies in Pennsylvania, with a prison term of up to 7 years if convicted. Forgery may be charged as a second-degree felony, with a sentence of up to 10 years and a $25,000 fine.

Identity theft is closely related to theft by deception and forgery and involves possessing or using someone’s identity or information for an “unlawful purpose.” Under PA law, the penalty for identity theft depends on the value of property or money obtained. In the case of the alleged life insurance scheme, because the value exceeded $2,000, it is likely to be charged as a third-degree felony.

Insurance Fraud

While this case involves allegations of fraud against an insurance company, it does not fit a traditional definition of insurance fraud. Insurance fraud is a broad category of crimes that typically involves the submission of false claims or information. Insurance fraud is also typically charged as a third-degree criminal offense in PA, and involves potential prison time of up to 7 years.

Possible Defenses to Theft by Deception or Identity Theft

People charged with theft by deception or identity theft in Pennsylvania may have several defenses, which include:

  • Consent.
  • Mistaken identity.
  • Lack of intent.
  • Violation of rights in obtaining evidence.

Additionally, in any type of “white collar” or financial crime, it is crucial to defend regarding the number of alleged victims or the scope of the loss, as this may impact the potential length of imprisonment or the amount of fines. The LLF Law Firm understands the defense of white collar crimes and will be with you every step of the way in defending your reputation and freedom.

The LLF Law Firm is Experienced in White Collar Crime Defense

If you face charges for theft by deception, forgery, identity theft, or other white collar or financial crime, call the LLF Law Firm. We understand the devastating impact that charges of this type have on your life, business, and family. The LLF Law Firm Criminal Defense Team is focused on one thing: defending you and helping you get your life back on track. However, it is essential that you contact us as soon as possible in the process. Contact the LLF Law Firm at 888-535-3686, or submit your details online, and we will contact you.

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