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Life, health and annuity fraud can affect us all.

That's why we're working to protect you.

What is insurance fraud?

Insurance fraud is when someone makes up or exaggerates the information in a claim to get money from an insurance company. The money they may scam can lead to higher insurance rates, increased taxes and inflated prices for everyone.

Types of insurance fraud

Beneficiary Fraud

A beneficiary is added to an insurance policy without the policyholder knowing

Elder or Vulnerable Adult Fraud

An older or vulnerable adult is financially or physically harmed, sometimes by a person they trust

Account Takeover

Someone accesses a person's online account for fraudulent reasons, such as making beneficiary changes or transferring money

First-Party Fraud

An individual uses a fake identity or false information to commit insurance fraud

Identity Theft

An individual steals personal information to commit fraud

Report insurance fraud.

There are several ways to report insurance fraud:

Other Fraud Resources

If you’re looking for more information, these sources can help:

Our fraud unit can investigate.

The Special Investigations Unit of the USAA Life Insurance Companies investigates suspicious activity related to your annuity, life insurance or health plan. The unit's work includes:

  • Responding to and investigating insurance fraud allegations.
  • Cooperating with local, state and federal authorities on reported fraud.
  • Training USAA employees to identify suspicious activity.

Keep yourself safe.

Scammers often target their victims through phone calls, text messages or emails. Their deceptive schemes trick people into sharing personal details or sending money.

Keep in mind, USAA will never contact you by phone or email asking for your member number, password, policy details or annuity information. Be sure to keep your member and insurance policy information private.

Insurance Fraud Prevention Tips

  • Use logon information that's hard to guess and consider an enhanced logon method.
  • Don't let anyone access your computer remotely.
  • Check your policies regularly for unauthorized changes.
  • Notify your health insurer if you lose your insurance card and if enrolled in Medicare, protect your number.
  • Be wary of callers claiming they're from the Social Security Administration or a government agency.
  • Don't assign the benefits of an insurance policy to people or businesses you don't know.

Find more safety tips and tools.

Visit our Security Center for tips and logon options to help keep your identity, devices and accounts secure.

Go to Security Center