{"success":true,"data":{"id":"insurance-auto-cancellation-phish","label":"Fake auto/home/life insurance cancellation notice requiring immediate payment confirmation via click-through — real insurers use direct mail and authenticated portal for cancellation; email payment-link claims are credential/payment fraud.","description":"Fake auto, home, or life insurance cancellation notice requiring immediate payment confirmation via click-through link — \"your policy will be cancelled unless you confirm payment today.\" Real insurers communicate cancellation via direct mail and authenticated member portal; inbound email with a payment link claiming imminent policy cancellation is credential-harvest or payment fraud. Detection: policy cancellation/coverage termination/premium overdue vocabulary + immediate payment/prevent cancellation urgency + no In-Reply-To + not protected sender. Trash score: +4. Source: GC1-R19; NAIC insurance fraud advisory 2025; FTC insurance impostor scam alert.","tier":"danger","category":"phishing","isThin":false}}