1 of 108
Definition
Fast-burning materials used by arsonists as fuses to rapidly spread a
fire.
Called "Trailers" as they leave "trails" of their burn pattern.
A trailer is the link intentionally established to distribute fire from one
area to another.
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, Trailers Ghost Brokers
Social Media Pop-ups
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2 of 108
Definition
Economic Issues - downturn, changes in business needs, financial
difficulties
Major Personal Changes - divorce, sickness, job loss
- Moral Hazards may materialize due to changes
Policy cancelled for non-payment
Number of claims higher than average
Increase in limits requested
Insurance requested for atypical items - Insurance taken out on
items that in the past never required insurance
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Underwriting fraud Effects of fraud
, Triggers for Account Review 3 strategies applied when dealing
(Triggers for Suspected Fraud) with new customers
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3 of 108
Definition
Guilty mind; the intention to commit a crime
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Mens Rea Estoppel
Bad Faith Actus Rea
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4 of 108
Definition
1. Insured was recently separated or divorced and disputes have
arisen over property.
2. Insured has onerous alimony or child support obligations.
3. Insured has recently encountered an employment problem.
(Strike, Layoff, Business Closing)
, 4. Insured has a gambling problem.
5. Bank has threatened to foreclose on property.
6. Insured as an oppressive debt load.
7. Clues to suggest insured is involved in some other criminal activity.
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7 Stat Conditions - specifically with Personal Indicators for Arson
regards to fraud protection (7)
Rate falsification techniques used in
Claimant Red Flags (Liability)
Application Fraud
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5 of 108
Definition
Standard of Proof
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Symptom magnification Syndrome FH vs McDougall
Definition
Fast-burning materials used by arsonists as fuses to rapidly spread a
fire.
Called "Trailers" as they leave "trails" of their burn pattern.
A trailer is the link intentionally established to distribute fire from one
area to another.
Give this one a try later!
, Trailers Ghost Brokers
Social Media Pop-ups
Don't know?
2 of 108
Definition
Economic Issues - downturn, changes in business needs, financial
difficulties
Major Personal Changes - divorce, sickness, job loss
- Moral Hazards may materialize due to changes
Policy cancelled for non-payment
Number of claims higher than average
Increase in limits requested
Insurance requested for atypical items - Insurance taken out on
items that in the past never required insurance
Give this one a try later!
Underwriting fraud Effects of fraud
, Triggers for Account Review 3 strategies applied when dealing
(Triggers for Suspected Fraud) with new customers
Don't know?
3 of 108
Definition
Guilty mind; the intention to commit a crime
Give this one a try later!
Mens Rea Estoppel
Bad Faith Actus Rea
Don't know?
4 of 108
Definition
1. Insured was recently separated or divorced and disputes have
arisen over property.
2. Insured has onerous alimony or child support obligations.
3. Insured has recently encountered an employment problem.
(Strike, Layoff, Business Closing)
, 4. Insured has a gambling problem.
5. Bank has threatened to foreclose on property.
6. Insured as an oppressive debt load.
7. Clues to suggest insured is involved in some other criminal activity.
Give this one a try later!
7 Stat Conditions - specifically with Personal Indicators for Arson
regards to fraud protection (7)
Rate falsification techniques used in
Claimant Red Flags (Liability)
Application Fraud
Don't know?
5 of 108
Definition
Standard of Proof
Give this one a try later!
Symptom magnification Syndrome FH vs McDougall
