Insurance fraud isn't limited to external sources. There's a certain amount of it that originates with insurance companies' own staffs. Claims adjustors cut a lot of checks, and unethical folks may try to skim a few bucks off the top. Agents can commit fraud by "stealing" customers' car insurance or life insurance premiums. The agents take in customers' money, then pocket it without ever actually purchasing the policies. Savvy insurance companies try to prevent such fraud by running credit checks on all prospective employees. Applications from those with bad credit or financial issues are flagged as those more likely to commit fraud [source: Khalfani-Cox].