Insurance companies hire private investigation agencies on a regular basis.
Quiet often private insurance companies will hire a private investigator to clarify the circumstances of a claim or to find out the beneficiaries of unclaimed life insurance contracts.
Insurance Fraud:
In most cases, the private detective intervenes following the conclusions of an expert. The expert verifies the circumstances and assesses the extent of the damage suffered. In the event of anomalies or doubts as to the good faith of the insured, an investigation may be carried out.
Insurance fraud is a criminal offense which implies that a scheme was initially set up by the insured to collect money from the insurer.
In this case, the offense was planned , scheduled and controlled by the insured. There is therefore a fraudulent act to the contract previously signed between the two parties. The private detective will be able to collect relevant evidences and explain how the fraud was carried out.
The evidences will be gathered and compiled in a detailed report that can be used in front of the competent court.
Search for beneficiaries of life insurance contracts:
In addition, since 2016, insurance companies have been required by law to search for the heirs and beneficiaries of unclaimed life insurance contracts.
Our skills in genealogical research will allow us to assist you with great care and professionalism on this type of files. Administrative and field investigations will be conducted in order to locate the legal beneficiaries , whether they are located in France or abroad.
AFNOR Certification
Since December 21, 2023, Anthony CAUDAL has been certified by AFNOR after meeting the requirements of the insurance investigator competency framework. This certification is valid for a period of 5 years. As a reminder, the Insurance Fraud Fighting Agency (ALFA), established in 1989, is a non-profit association under the 1901 law, dedicated to promoting the fight against fraud in the insurance sector. Currently, the association boasts over 340 members.
ALFA’s missions include facilitating information exchange among insurance companies while ensuring compliance with CNIL, promoting anti-fraud efforts through training, acting as an intermediary between insurers and judicial police officers, and developing means and methodologies to combat fraud. Additionally, ALFA undertakes to represent the profession technically by fostering institutional connections with relevant bodies and detecting crimes and offenses through collaboration with insurance professionals.
On April 11, 2024, the ALFA team requested the harmonization of communication materials related to the association and its members. In this regard, here are some guidelines for certified professionals:
- The “insurance investigator” certification by AFNOR CERTIFICATION is a trademark of the AFNOR group.
- Only individuals are certified, not investigation firms.
- Investigators are referenced by ALFA.
- It is imperative never to imply, on any communication platform, that the investigator is an employee of ALFA.
- The ALFA logo should not appear on investigation reports.
- The use of the ALFA logo or brand on communication materials must adhere to the guidelines provided in the dedicated guide.
Every certified professional must adhere to these rules.
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