{"success":true,"data":{"id":"insurance-claim-fraud-phish","label":"Fake insurance company claiming an approved claim requires a processing fee payment via email link to release settlement funds — advance-fee fraud; real insurance claim settlements never require upfront fees.","description":"Fake health, auto, or home insurance company claiming an approved claim requires a \"processing fee\" payment via email link before the settlement can be released — advance-fee fraud. Real insurance claim settlements never require upfront processing fees; the adjuster communicates through authenticated portals and certified mail. This pattern is sometimes combined with fake \"claim approval\" letters to increase credibility. Detection: insurance claim settlement/payout approved + processing fee required to release vocabulary + no List-Unsubscribe + no In-Reply-To + not protected sender. Trash score: +3. Source: GC1-R22; NAIC insurance fraud advisory; FTC insurance scam patterns 2025.","tier":"danger","category":"phishing","isThin":false}}