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Fraud Prevention

Insurance fraud is a crime and a costly problem for all of us. It is estimated that false claims cost insurance companies $80 billion dollars a year according to the Coalition Against Insurance Fraud. Unfortunately, these losses result in higher premiums and fees being passed on to consumers.

Insurance Fraud

What is it? Fraud is an intentional act of deception, misrepresentation and/or concealment done to gain something of value. Fake accidents and claims are signs of fraud.

  • How does it affect YOU?
  • People lose their savings
  • Health is endangered when an innocent person is unknowingly insured
  • Premiums increase with fewer benefits
  • Consumer goods cost more
  • Honest businesses lose money

Contact your state insurance department, National Association of Insurance Commissioners (, or the National Insurance Crime Bureau (1-800-835-6422) if you are suspicious of fraudulent activity.

Please note: Some states' laws make it a crime to knowingly provide false, incomplete, or misleading information to an insurance company on an application or claim form for the purpose of defrauding an insurance company.

Gerber Life Insurance Company makes every effort to protect you, our customer, in preventing and detecting fraud. We do this by providing ongoing training of all our associates as mandated by each state.

If you suspect fraudulent activity and the incident involves Gerber Life Insurance Company, please mail the details of the alleged occurrence along with all supporting documentation to:

Gerber Life Insurance Company
Special Investigative Unit
445 State Street
Fremont MI 49412

You may also contact Gerber Life at 1-800-253-3074. Your call will be confidential.

There are a number of fraud fighting organizations where you can learn about insurance fraud and what can be done to prevent it. We encourage you to visit these sites:

Financial Exploitation

Financial Exploitation is the illegal or improper use of property or funds belonging to an Elderly Individual or Disabled Adult for the profit or advantage of someone else. Gerber Life is committed to the prevention and detection of Financial Exploitation in our insurance business. You can learn more about Financial Exploitation by visiting the National Center on Elder Abuse website (

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