The policyholder may cause life insurance fraud by faking a death certificate. He simply has to fly to a third world country and buy a life insurance fraud “death kit”. It contains phony death certificate, fake newspaper obituary and even a video of a staged funeral and photos of a supposed gravesite.
 However, even in the United States, is easy to run life insurance fraud as well. Plotlines like phony viaticals, money laundering by the drug rings and internet schemes are commonly employed sleeks.
 Meanwhile, the so called soft fraud costs billions of dollars a year in premium hikes. Things like registering a car in a neighborhood town to get lower rates will not be so visible, but along with many other soft frauds, like life insurance fraud, it causes a big financial loss.