Insurance fraud is a crime in which either an insurance company or agent is defrauded by an individual seeking to obtain a policy or collect money for which they are not entitled, or where an insurance company’s customer is defrauded (which may result in a financial loss to the customer, the insurance company, or both).

Protective Life’s Special Investigative Unit (SIU) is responsible for investigating suspected fraud and coordinating with local, state, and federal law enforcement agencies (to include the fraud divisions of state departments of insurance) in the prosecution of insurance fraud offenders.  Additionally, our SIU works closely within the company to detect, prevent, and resolve fraudulent activities targeting Protective Life and its customers.

• Someone calling or emailing asking you to pay money or fees (especially though untraceable payment methods such as wiring, prepaid card or gift cards)
• Requesting private account information
• Requesting access to your computers
• Pressure to act immediately or with time-limited deal
• Indicating a change in account status you did not request
• Emails that don’t look quite right, including a sender you don’t recognize, suspicious email addresses or misspellings

• Keep your personal details secure and private
• Do not open suspicious emails, delete immediately
• Never click on attachments in emails from senders you do not know
• Do not respond to phone calls
• Do not provide remote access to your computer
• Beware of requests for your money or payment requests
• Watch for misspellings or grammar issues within emails or documents
• Report any suspicious spam activity