Imagine purchasing a life insurance policy for your young son, faking his death and then submitting a claim for the insurance money. While this doesn't sound like something that would happen in North Dakota, this very situation played out in Fargo in 2010. Thanks to an Insurance Department investigation, the fraudulent life insurance claim was never paid.
It is estimated that fraud costs consumers between $400 and $700 per year in increased home and auto insurance premiums. (FBI)