In the life insurance industry, death claims account for a significant portion of payouts. However, they are also prone to fraudulent practices such as fake deaths, forged certificates, staged funerals, impersonation, and exaggerated circumstances. A single fraudulent death claim can lead to substantial financial loss, regulatory scrutiny, reputational damage, and disruption of operations.

At CLAIMLAB Investigation Services Pvt. Ltd., our Death Claim Investigation service is built to verify the legitimacy of death claims through multi-point field checks, document validation, and surveillance when needed. We assess both the facts of death and the context surrounding the beneficiary’s claim—ensuring that insurance settlements are disbursed only to those rightfully eligible.

From verifying civil death records to confirming medical cause of death and interviewing witnesses, our investigations are comprehensive, discreet, and audit-ready. Our team includes former law enforcement professionals and insurance experts who understand how to distinguish genuine loss from orchestrated deception.

Insurance fraud doesn’t always begin at the time of claim—it often starts right at the proposal stage. Applicants may misrepresent their identity, age, income, health history, or nominee details to gain favorable policy terms or future claim eligibility. If such risks go undetected, they lead to early and avoidable losses.

CLAIMLAB’s Pre-Issuance Proposal Verification (PIPV) Service is a critical tool for underwriters. It ensures that every policy issued is based on authentic, truthful, and verifiable information. Our process investigates the applicant’s identity, address, occupation, nominee details, and—where required—health disclosures.

Whether it’s a term policy, ULIP, endowment, or health cover, our verification service allows you to filter out high-risk or misrepresented proposals before onboarding, ensuring that the book of business remains healthy and compliant.

PIPV is especially useful for:

• High-sum assured cases

• Cases flagged by automated underwriting rules

• Rural, unbanked, or untraceable applicant areas

• Occupations with high risk or unverifiable income

Our hybrid verification models—including physical field visits, tele-verification, and geo-tagged video calls—offer insurers the flexibility to choose methods based on budget, geography, and case sensitivity.

Today’s digital world demands more than a simple glance at ID documents. A full Background Check by CLAIMLAB Investigation Services goes far deeper—examining an individual’s identity, reputation, and integrity across multiple sources. Whether you’re assessing a high-profile policyholder, nominee, field agent, or broker, our background check process helps safeguard your organization from fraud, reputational harm, and compliance risks.

We utilize advanced investigative techniques—field verification, digital validation, database cross-checks, and interviews—to build a 360-degree profile of the subject. Our investigations are globally applicable, scalable across risk levels, and customizable to reflect Indian legal and regulatory requirements.