Insurance Fraud. How to spot if someone is lying according to the CIA

Insurance fraud is estimated at 1 billion USD in the US alone and the magnitude of fraudulent claims has an impact on increasing premiums every year affecting nearly 400$ to 600$ of added premium on every household. Fraud is a bad thing, it affects the economic system and must be challenged daily.

According to a former CIA officer, these are the best ways of spotting if someone is lying.

Behavioral Pause or Delay: if you ask a friend what did you do seven years ago on that day, and your friend pauses, it is a meaningful pause. Yet if you ask your friend, seven years ago on that day, did you rob your sisters money, and your friend pauses; it means there is something wrong.

Verbal / Non Verbal Disconnect: It happens when someone says no and nods his head with approval. Watch if the verbal communication corresponds to the physical movement.

Hiding the Mouth or Eyes: People have a natural tendency of hiding a lie. If a person covers his mouth or his eyes or closes his eyes (not just a blink) it could be a deceptive indicator)

Throat Clearing or Swallowing: It should be made before the persons answers the question. If the person does it after answering its not a deceptive indicator.

Grooming Gestures: A man touching his tie and clearing his eye glasses or a woman caressing her hair might be deceptive indicators

These are just deceptive indicator and should not be relied on. If they are too obvious, it should trigger the claims manager to launch an intensive investigation into the claim. Never judge someone without solid proof and be motivated to combat fraud to protect the rights of decent customers.

Roy Keyrouz - Insurance Professional