Life insurance fraud means huge problem in the United States, and more common than one might think. According to Mark J. Colbert, a life insurance fraud investigator, about 3 out of every 5 policies sold in the United States between 1980 and 1994 have been sold under false pretenses.
 The agent may cause a life insurance fraud, stealing money from policyholder by using two ruses usually called “sliding” and “twisting”. Sliding means secretly add coverage the policyholder does not know. Twisting means secretly replace a policy with a more expensive one. Unethical agents from the biggest life insurance companies had already robbed money from its customers.  Investigation of customers is every day harder job.