Due Diligence | Asset Tracing | Insurance Claims Investigation

Background Check | Employment Verification | Polygraph Service

Business Fraud Investigation | Enterprise Risk Management System


A Miss is as Good as a Mile
----Truth or falsity hidden between 0 and 2

The campaign of anti-counterfeiting is a common sight in china or all over the world, we can hear and see the action anywhere, anytime ---- Everyone knows anti-counterfeiting, no matter who is aged or youth. Thinking it over- truth or falsity is just hiding in minor details!

Counterfeiting and anti-counterfeiting exists in all kinds of business fields, of course the insurance industry. The difference between insurance and other business fields is that the false maker of insurance is the clients, mostly are the beneficiaries, but the anti-counterfeiting is the investigation companies who perform insurance claim investigation. There is a case of insurance claim that has taken place in China. As the saying goes that if you notice everything in the world, then you will get the knowledge out from the books.

One day in August 2002, several investigators of China Steele Business Investigation Center were watching an insurant's funeral CD that was offered by an insurance beneficiary. Mr. Wang was died at a little village of X city X province on Feb 12, 2000. According to the CD, he was died 39 years old (in fact he was 37 when he left the world). In the 1990s, he was tempted by the gold fever in United States, and became a stowaway went to the United States. The life of stowaway in United States is miserable ----hungry, poverty, even be driven from pillar to post. But fortunately he got the green card after suffered all of these hardness. However in 1999, Mr. Wang was diagnosed that he was cancered, because of the financial problem, he finally came back to homeland in Jan 2000. The short treatment of one month declared the fails, then he left the world on Feb 12,2000.

His life ended, but his wife and children are till living, half years later, Mr. Wang' s wife went to America with two children, Then Mr. Wang' s wife bought him the insurance, in order to get the insurance, " Mr. Wang had to die two years later ".
One day in July, Steele Business Investigation Center accepted American insurance agency' s commission, to verify this death case but just with a death certificate, the limited information stopped investigation process. The simple death certificate was the only stonecutter to continue the case, so it demanded that our investigators must be very cautious! After the cautious previous planning, we made the death verification successfully.

The verification was continued by scheme, but the result was unexpected. The notarial deed that had made by the local Notarial Office was a forged one; the cremation number also was forged; even if the information offered by interviewees were not verities.

During the investigation, the investigators got Mr. Wang' s cremation number from the Notarial Office, and took it to the funeral home, but got an answer that it is a forged one, they never have such a number, which is beginning with "X". The investigators checked the funeral records unsuccessfully according to the death date of the Notarization, and they didn't find any records on Mr. Wang' s cremation during the period from Dec 25, 2001 to July 2002. After making a scrutiny to the records of Feb 12, finally they found Mr. Wang was died on Feb 12, 2000, two years earlier than the death date recorded on notarial deed.

The investigators contacted the man who made notarization for Mr. Wang, he said firmly that the decedent was died on Feb 12,2002, even he could afford the CD of the decedent' s funeral (but finally the investigators discovered that the tape also was a forged one just for insurance claim). However, he didn't mention the notarial deed he had made, only told the investigators about Mr. Wang's wife and children live hardly in USA ---- two children are students; and they have no any relatives in china, so he helped them make the notarial deed sympathetically. Finally he afforded the death certificate and cremation certificate reluctantly and the investigators found that the date on cremation certificate was Feb 12, 2000, which is same with our investigative result, but the date on death certificate was Feb 12,2002. Eventually the guy had to tell us the reason that Mr. Wang was dead on Feb 12, 2000, but to get the insurance they changed the date on Feb 12, 2002, or they couldn't get the insurance.

During the contact with several interviewees, the investigators found their answers were ambiguous. One of them said that Mr. Wang had no any relatives except his gawkish father, but when the investigators contacted with Mr. Wang' s elder brother got a clue that he has a sister; one of interviewees even said that Mr. Wang actually died on Feb 12, 2002, but another one also made sure that Mr. Wang died on Feb 12, 2000, only 37 years old. Could one person die two times? During the investigation, one person offered two different cremation numbers. How could a man die two times?

It is impossible to a person that live twice in the world. Mr. Wang' s Life was frustrated enough; so don't disturb him after he had died! Game is over, but the live of the decedent' s wife and children will be pitifully after the fail of the insurance claim. But the eagle-eyed investigators can't miss anything that was forged!

Previous        Back        Next