Shortly after 9/11, insurance companies began receiving claims. Adjusters were trying to expedite payments to families that had lost loved ones. In one case, a claims representative drove to the deceased's house, hoping to assure the grieving widow that a check would be forthcoming. Imagine his surprise when the deceased answered the door.

Following any disaster, opportunists attempt frauds. People who are alive and insured see an opportunity to report themselves dead. The World Trade Center, the Tsunami or Katrina. Any excuse works for them.

Do YOU appreciate having to pay higher premiums to fund these people?