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The following is a story from my book, Heads I Win, Tails You Lose, a collection of stories from my experience as an insurance coverage lawyer. The book is available from amazon.com as both a paperback and as a Kindle book. Names and places changed to protect the guilty.

https://zalma.com/blog 

THE CREATION OF A LIFE OF CRIME

Insurers, if they wish to keep frauds like that described here must stop making the crime easy. Underwriters must understand that insured\\u2019s do not always treat their insurers with utmost good faith. Risks must be looked at with skepticism. If fraud is to be defeated insurers must make the crime more of a challenge. It is too easy. Honest insureds are tempted to commit fraud because it is too easy.