How to Report Life Insurance Fraud

Life insurance fraud covers a range of activities from providing false information to perpetrating a death that results in an insurance payout. This range of activities makes it difficult for a conscientious citizen to report fraud without any doubts. You need to have plentiful evidence to support your claims of life insurance fraud.

Instructions

Difficulty: Moderate

1. Examine the health and legal standing of a life insurance signatory to determine whether insurance fraud has taken place. You should report instances where individuals sign the name of an elderly, disabled or comatose relative in order to gain benefits upon death.
2. Assess the amount of money paid out by a life insurance policy to determine the likelihood of fraud. Your report should feature a breakdown of ongoing benefits as well as funeral benefits to provide an overview of the severity of insurance fraud.
3. Speak with friends, family and co-workers to learn about past attempts at ethically questionable uses of life insurance. You should follow leads for life, auto, health and other insurance fraud to show the character of the party in question.
4. Hunt down contact information on witnesses to acts of life insurance fraud for your report. You should ask witnesses to schedule time with your attorney for an official report on the acts they witnessed to add legitimacy to your case.
5. Speed up the reporting process by utilizing online forms that allow the attachment of scanned documents. You should send the same documents by mail as a security measure, though your online query will likely receive attention within days.
6. Outline the type of life insurance featured in fraudulent activities to help investigators determine the likelihood of fraud. Specific policies, like an accidental death policy, provide a narrow definition for payouts, which leads to a specific type of fraud.
7. Approach a criminal lawyer in your community to help complete your report on life insurance fraud. This lawyer should be familiar with insurance law and the punishment for criminal activities independent of life insurance to give your report the right context.

Tips & Warnings

• Contact police and emergency medical teams if acts of life insurance fraud affect public safety. You should report acts of kidnapping, arson and assault that may be used as a pretense for life insurance fraud if you gain information in advance.
• Familiarize yourself with the staff at the Attorney General's office in your state. You should maintain frequent contact with lawyers in the main office to help you fulfill requirements for bounty programs and file documents in a timely manner.