# Fake Death Insurance Fraud

**URL:** <https://boards.straightdope.com/t/fake-death-insurance-fraud/790728>\
**Category:** In My Humble Opinion\
**Created:** [July 8, 2017, 12:22am UTC](https://boards.straightdope.com/t/fake-death-insurance-fraud/790728 "2017-07-08T00:22:50Z")\
**Posts on this page:** 4\
**Page:** 2

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**Author:** ![Gatopescado](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/gatopescado/32/5711_2.png) [@Gatopescado](https://boards.straightdope.com/u/Gatopescado)\
**Post date:** [July 8, 2017, 8:07pm UTC](https://boards.straightdope.com/t/fake-death-insurance-fraud/790728/21 "2017-07-08T20:07:36Z")

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You know Bill Phillips, about 7 feet tall, 375 pound? Once got a nun pregnant after dipping his finger in the holy water at the Salem Church of Christ. Killed his cousin and framed his niece with a single phone call to the police. They gave him a service award for it!

He once changed a tire with no jack or lug wrench! Picked up the car with his left arm and spun the nuts off with his right hand.

He’s got a Ph.D in Astrophysics and was Neil deGrasse Tyson’s tutor in college.

Yeah, _that_ Bill Phillips!

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**Author:** ![davida03801](https://avatars.discourse-cdn.com/v4/letter/d/b5e925/32.png) [@davida03801](https://boards.straightdope.com/u/davida03801)\
**Post date:** [July 8, 2017, 10:35pm UTC](https://boards.straightdope.com/t/fake-death-insurance-fraud/790728/22 "2017-07-08T22:35:12Z")

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> [@JohnT](#):
>
> You can get a $5k life insurance policy, not enough for “gazillions”, plenty enough for fraud.

$ 5000. That changes my comments. up above. My friend worked for an insurance company on the complete other end of the spectrum.

I would think companies that do the $5000 policies think some fraud now and then is the cost of doing business.

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**Author:** ![Pantastic](https://avatars.discourse-cdn.com/v4/letter/p/3bc359/32.png) [@Pantastic](https://boards.straightdope.com/u/Pantastic)\
**Post date:** [July 8, 2017, 10:57pm UTC](https://boards.straightdope.com/t/fake-death-insurance-fraud/790728/23 "2017-07-08T22:57:40Z")

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> [@davida03801](#):
>
> $ 5000. That changes my comments. up above. My friend worked for an insurance company on the complete other end of the spectrum.
> 
> I would think companies that do the $5000 policies think some fraud now and then is the cost of doing business.

Standard life insurance policies start at $50000 or $100000, but smaller policies that usually don’t require any kind of medical exam definitely exist. They’re mostly geared towards older people who want a small payout to cover burial expenses when they pass. They also usually have much higher rates per $1000 of insurance than a regular policy does, both because they’re higher risk and because the fixed costs can’t be spread across as much insurance. I don’t know if they’re good for this kind of fraud, it seems like buying one for a young person who then dies shortly after would raise a lot of flags.

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**Author:** ![Asimovian](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/asimovian/32/172_2.png) [@Asimovian](https://boards.straightdope.com/u/Asimovian)\
**Post date:** [July 9, 2017, 3:02am UTC](https://boards.straightdope.com/t/fake-death-insurance-fraud/790728/24 "2017-07-09T03:02:38Z")

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Something is definitely fake, here. I think we’re done.

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