False life insurance fraud is perhaps the most sensitive kind of
insurance scam, since larger frauds are often discovered only after the
death of the insured. Although buyer frauds are very common, and can
even lead to the murder or suicide of the insured in order to cash in
their insurance, this article focuses on seller fraud, where those
selling or claiming to sell insurance are involved in the fraud.
Fake websites and agents
These
exist for the sole intention of obtaining an unsuspecting person's
money, usually through credit cards. Websites may be made to look like
those of a genuine insurance company, or may represent a completely
bogus organization. These can be recognized in a variety of ways, the
easiest of which is to check whether the web address starts with
https:// - this is a secure site and payment information can be entered
here. Often, links to fake sites will be emailed to you, so check if the
email is from a public account or your insurance company's account.
Furthermore, hovering the mouse pointer over a link in the email will
tell you if the email was sent from the same site, and not a fake one.
It is important to remember that no bank or insurance company will tell
you to "renew information" through an email. If you receive such an
email from your bank, verify it by calling them, and not on the number
given in the email!
Fake agents are a little trickier to detect,
since both real and fake ones will approach you personally and advertise
policies. Thieves collect premiums and do not pass them on to the
insurance company. As a general rule, verify with your company
beforehand if they have any policies and whether they have sanctioned
agents to collect premiums.
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