Dissertations / Theses on the topic 'Twisting (Life insurance fraud)'

Locution issue du langage courant, le « train de vie » a été importée dans la sphère juridique dès la fin des années 1930 pour lutter contre la fraude fiscale. Depuis les années 1960 et surtout 2000 elle est utilisée dans toutes les branches du droit privé. Elle n’a pourtant reçu aucune définition. Partant de ce constat, la première partie de cette thèse s’intéresse au contenu juridique de la notion de train de vie. Elle y est définie comme la jouissance, à titre habituel d’une certaine quantité de biens et de services, caractérisant à la fois un niveau de vie et une habitude de vie. Il ressort de cette définition que tant les biens que les services peuvent être le support du train de vie, que cette notion s’apprécie en jouissance et non en propriété et qu’une condition de durée doit être remplie. La seconde partie de cette thèse s’intéresse aux effets qui sont attachés au train de vie. Il est toujours utilisé en tant que point de référence mais n’est pas toujours invoqué par la même personne. Ainsi, le train de vie peut être soit opposé à son bénéficiaire par un tiers, soit opposé par son bénéficiaire à un tiers. Dans le premier cas, il est un point de référence permettant d’identifier une disproportion, à laquelle sont attachées des conséquences juridiques néfastes pour le bénéficiaire du train de vie. Dans le second cas, il sert de point de référence pour apprécier et traiter une situation de rupture patrimoniale. Caractérisant une situation économique habituelle, le train de vie est doté d’une certaine inertie,qui nécessite qu’il ne soit pas arrêté brutalement. Il est alors de nature à conférer des droits à son bénéficiaire
An expression usually found in everyday language, the « train de vie », or standard of living, wasbrought into the legal sphere as early as the late 1930’s in a bid to fight fiscal fraud. Since the 1960’s, and evenmore so since the 2000’s, it is found in all branches of private law. It has, however, never been defined.Therefore, the first part of this thesis looks into the legal content of the idea of « train de vie ». It is definedhere as the enjoyment of a certain quantity of goods and services that has come to be the habitual, markingboth a standard of living and a life habit. This definition of the expression leads to the conclusion that as goodsand services can support of the « train de vie », this is a notion that is to be assessed in enjoyment and not inpropriety, and that a condition of length of time is to be fulfilled. The second part of this thesis focuses on theeffects attached to the « train de vie ». It is still used as a reference point but not always invoked by the sameperson. Therefore, the “train de vie” can either be set against it’s beneficiary by a third party, or by it’sbeneficiary against a third party. In the first case, it becomes a point of reference allowing to identify a lack ofproportion, unto which are attached legal consequences unfavorable to the beneficiary of the « train de vie ».In the second case, it serves as a point of reference to asses and deal with a situation of a patrimonial break.Charaterizing a habitual economic situation, le “train de vie” is endowed with a measure of inertia, whichrequires that it not by stopped suddenly. It is thusfore of a nature to create rights for it’s beneficiary

碩士
淡江大學
保險學系保險經營碩士在職專班
98
Abstract: Deceptions of medical insurance claim on medical treatments have caused severe problems for the insurance industry and the social welfare system of National Health Insurance. Criminal cases triggered by insurance frauds also have negative influences on the public and the society. If problems of fraud claims of the like cannot be controlled, the society and economics will be facing with more strikes. By collecting a variety of insurance fraud cases and analyzing statistic data, this thesis expects to reveal characteristics of insurance fraud, behavior patterns, and criminal behaviors. By interviewing insurance specialists, this thesis also conducts a comparative study with reference to foreign cases in prevention or reduction of insurance frauds. In such, instruments are provided here to deal with insurance fraud cases in Taiwan in the near future. This study intends to provide life insurance enterprises, competent authorities, and National Health Insurance respectively with suggestions against insurance frauds. Three fields of suggestions are listed as follows: 1 Suggestions to Insurance Enterprises: 1.1 Control new business underwriting 1.2 Enhance professional knowledge of claim specialists and underwriters 1.3 Establish business quality and agency management 1.4 Evaluate insurance product property 2 Suggestions to Competent Authorities: 2.1 Promulgate and enact laws for insurance fraud 2.2 Establish special courts and investigation bureaus for insurance fraud 2.3 Amend related insurance regulations 2.4 Grant investigation power to insurance enterprises 2.5 Reinforce functionality of The Insurance Anti-fraud Institute (IAFI) 3 Suggestions to the Bureau of National Health Insurance 3.1 Enhance the information sharing system with insurance enterprises 3.2 Enhance internal control and audit functions

碩士
逢甲大學
風險管理與保險學系
106
With higher education standard, people realize that insurance not only compensate loss to danger but also stable development of economy. Compare to past, the willing of buying insurance is higher, so is insurance fraud. Insurance fraud obviously violates the meaning of insurance, increases social cost and causes higher rate so that getting insurance is more difficult to people. This study is based on salesperson and fraud by taking former researches as references. By making questionnaire to Taiwan insurance salespersons and recycling result for data quantify, we understand the attitude toward the customer when fraud happens. Through these data, we subjectively analyze the result and give our point of view for future study.

碩士
國立高雄第一科技大學
風險管理與保險系碩士班
105
In Taiwan, the concepts of purchasing insurance products today have become more open minded than before. Of greatest concern to insurers and public alike is the increasing spread of moral hazard when the ratio of prevalence and the ratio of having insurance coverage are expanding at high speed. Insurance fraud also flows from moral hazard, insurers or reinsuers increasingly consider the potential for fraud threats when considering underwriting and claims. The purpose of this study is to investigate the factors and effects of fraud modus operandi on gender, the location of the crime, criminal records, accomplices, age of convicts, number of insurance coverages, number of convicts, sum insured in life insurance. This empirical introduces a model of the factors of life insurance fraud using chi-square test and binary logistic regression. The results indicate that these variables showed that (1). Gender, number of convicts, sum insured were insignificantly different on effects of fraud modus operandi in life insurance. (2). The location of the crime, criminal records, and number of insurance coverages should be taken into account a binary logistic regression that the accuracy of forecasting muders model will reach more than 70 percent.

碩士
淡江大學
保險學系保險經營碩士在職專班
99
Given the way life insurance fraud is ever-changing, only relying on the contact between each insurance industry is not enough to prevent the insurance fraud crime. Insurance companies, insurance associations, Insurance Anti-Fraud Institute (IAFI) and Government should cooperate and establish a communication with each other to fight against crime through government apartments, such as Police Force and Bureau of National Health Insurance. This cooperation way has been applied in other countries such as Britain, United States and other developed countries. Also, it has been approved that the insurance fraud crime is reduced effectively. In this study, the characteristics of intelligent life insurance fraud is summarized and investigate the raising problem of solicitation, underwriting and claims through different cases In addition, we learn the effective prevention method of insurance fraud from other countries and hope it can be applied to our country to prevent the life insurance fraud. From the view of insurance company and supervision institution, we provide some recommendations about the prevention way of insurance fraud as below to hope the loss due to insurance fraud can be reduced. 1. The view of the insurance company. (A) Set up an insurance claim of crime control department. (B) Set up the minimum training hours of insurance education. (C) Implementing the insurance company internal audit and control system. (D) Rigorously design for new insurance products. (E) Reviewing the current notification system and network building claims reporting system. (F) Maintain close cooperation with relevant units, and establish overseas contacts channel. 2. The view of supervisory agencies. (A) Promote the concept of Insurance Fraud Prevention. (B) Develop the personnel protection laws for the investigator of Insurance Crime Prevention. (C) Convicted of insurance fraud. (D) Clearly express to terminate the right for the immoral behavior on Insurance Law.

碩士
朝陽科技大學
保險金融管理系
103
Abstract The insurance system has now become one of the indispensable economic activities. With the vigorous development of economic activities such as insurance system, the insurance fraud has also diversified itself with more innovative and smarter approaches. Unlike usual violent crimes, insurance fraud is categorized as “smart crime”, which makes it more difficult to detect, investigate and solve. Among all those crimes, insurance fraud has drawn the most attention by the government, the public and the news. There are various ways to commit an insurance fraud, for instance, self-mutilation, faking death by purchasing corpses, murdering to obtain insurance benefits, purchasing insurance for a person then fake the accident, arson, fake car accident, false report theft of own car, transporting valuable goods on purpose to obtain car insurance by damaging the car, forgery, false self-embezzlement, etc. Despite of the challenges to identify crime activities among these enormous superficialities, it is much less laborious to trace property lost than to pinpoint personal type insurance frauds. As a result, searching for the approaches of personal type insurance frauds is urgently required. This paper collects data from The Judicial Yuan of the Republic of China Law and Regulations Retrieving System, targeting on personal type insurance frauds with keyword “insurance company” from 2009 to 2014. Initially, there are in total of 4000 cases with keyword “insurance company” has been sifted. And then by screening to the specific type of personal insurance fraud, the data has been funneled down to 57 cases. Finally, 40 out of the 57 cases are found out to be directly related to the subject of this paper. According to the analysis of the verdict and the categorization, this paper identifies a prevalence of insurance fraud in middle and southern regions of Taiwan, with more cases in Taichung, Kaohsiung and Tainan. Also, it shows that insurance fraud has a tendency to reach its peak within one year of purchasing the insurance by suspects. Also, those accomplices are tend to be the suspect’s relatives and friends. In order to detect an insurance fraud from the verification of insurance company to intervention of the jurisdiction investigation, the thorough examination and close cooperation between the insurance company and the jurisdiction are of the essence. To conclude, it is crucially important for the insurance company to scrutiny their clients step by step to prevent the insurance fraud. Furthermore, to increase the insurance fraud detection rate, the jurisdiction should consider establishing a special division responsible for insurance fraud, regulating commission and evaluating standard guidelines.

碩士
朝陽科技大學
保險金融管理系碩士班
101
Life Insurance is a kind of usage of principle in separated risks and sharing damages. It is done by numbers of people through sharing with the risks which are put on some people. When the insured people face the uncertain life risks which happen in deaths, injuries, illness, and aging, they can give the economic risks to the insurance companies. They also can get safety in their daily lives at the right time. Taiwan Insurance Institute estimates that insurance companies in Taiwan have to pay about 10 percent of insurance claim for the frauds, the total amount each year about 30 billion NT dollars. This is a big black hole for the insurance companies. Without making a proper prevention project, it will be the serious damage for the other nice insured people’s rights and benefits. The methods of this research were based on the literature review and case study. Collecting the cases which were sentenced by the court was studied and analyzed. The practical cases were used to prove the life insurance frauds. However, firstly to prevent the fraud cases happened again and again, the researcher tried to find out the defects of the insurance companies facing at the present and gave them some suggestions to take measures for the future. Secondly, life insurance lessons for both the elementary school and junior high school students will be taught. It is very important to have correct lawful knowledge and concepts for the younger generations. Last, supplying the insurance fraud models to the investigators and police officers kept fraud offenders from the crimes and positively decreased the social and people’s damages. Its goal was to achieve the insurance companies to lower their running business risks.

碩士
國立高雄第一科技大學
風險管理與保險系
89
Life insurance fraud cases have kept happening continuously in recent years, which reveal that the amount of insurance fraud is keeping increasing. Insurance fraud not only affected the finance of insurers very much, but the whole society also encountered lots of damage and loss, and caused much social cost. Therefore, this study took Logistic Regression Model for compensation criterion mode to probe into the exposed items and other related variables of「Life Insurance Notification System」set by Taipei Life Insurance Commercial Association. It also deeply probed and found the variables of insurance fraud for setting up the most accurate and practical compensation criterion mode. It is set to strive for insurers compensatory time, reduce the time of verification, its objective and scientific methods offer the investigated information fast consolidation and analysis. The purpose of this mode is to stop the insurance fraud and make it easy to be predicted and prevented, and reduce the frequency of insurance fraud.

碩士
淡江大學
保險學系保險經營碩士在職專班
94
During the vigorous development of varied social environments and insurance industry,ths phenomena of insurance fraud is more particular,life insurance fraud cases have kept happening continuously in recent years, which reveal that the amount of insurance fraud is keeping increasing and becomes the organized crime. In this research, we introduce the organized criminal cases of insurance fraud arrested by Criminal Investigation Bureau(CIB) recently,and administer the analysis of practical examples by discussion of the relative theory and overview of the research. In the same time,in order to examine the organized crime of insurance fraud’s formation,current status,characteristics,patterns,legal aspects and organizational structure, we collect the data of statistics about insurance fraud from the Insurance Anti-Fraud Institute and in business. We also compiles the present difficulty on prevention of organized crime of life insurance fraud and propose the preventive strategies of the life insurance company in Taiwan as follows： 1.Enlarging the rangeof the life insurance notification system, 2.Using the skill of underwriting to detect the members of the criminal organization, 3.Designing new product and to modify the provision of the policy, 4.Aberrant analysis of claim, 5.Keeping the closed relationship with prosecutor and police, 6.Establishing the obtained channel of foreign information.

碩士
朝陽科技大學
保險金融管理系碩士班
95
In recent years, life insurance fraud case is continuously happening and keeping increasing. It was not only affected the profit of insurance’s company, but also brought the whole society a lot of damage and loss which caused much additional cost to disburse.. Owing to the insurance crime influence the socail justice and the reasonable management of the insurance industry seriously. How should the insurance company and police units face those cheat cases whose skills are more and more inovative and how should the supervisor organization take the lead in preventing those?Therefore, if we could make use of the cases had happened , try to find out the common characteristics of the insurance fraud and make a valid decision about underwriting the loss and risk would be reduced and the company''s management would be stablizde.Getting up to prevent resistence, take action in early stages to keep something from succeeding, avoild recommiting the same error and decrease the expansion of loss. Every governmental orginization should act more aggressively to establish the right idea about Insurance. It is a true way for Assurance company to lower the happening of moral dangerity cases through checking the Insurance.

碩士
國立高雄第一科技大學
風險管理與保險所
92
Life insurance contract is made according to the utmost principle. In life insurance management orginazation, having two important departments. We usually regard underwriting department as the first defence of the insurance company, and regard claim department as the last defence. Underwriters and insurance adjusters how to reduce the risk to the lowest, and not against the development department is very important. In practice, underwriter how to judge insured is purposely hide, or is fraud. If insured with intend to hide actually fact, it is difficult to judge. According to empirical data, discussing whether the data are connected with the result is defferent from forerign countries the rule of insureds’anti-declaration obligation in our country. How to decrease this condition is the most important purpose. This study use data from A insurance company are focused on the rescission of contract case due to anti-declaration obligation after two years of policy effect. It is selected six hundred rescission of new business contracts contracts during the time interval between Jan., 2001 and Dec., 2003. Relying on the data collected from Taiwanese insured establishments , multivariate tests and regression analysis results of the study found that, eleven variable factors which have appearent influence on the amount of claim：age of insured , sex of insured, marriage of insured, occupation of insured, medical expense plan , operation expense plan , amount of insured , insured period and area and so on. It comes to the conclusions that： 1. Build up policy’s obligation style. 2. Full of education effect. 3.Take some different grades of payment. 4. Adjust suitable marketing strategy. 5.Build up completed notification system.

碩士
銘傳大學
風險管理與保險學系碩士在職專班
105
In recent years, big data applications have been regarded as the key technology to enhance the competitiveness of enterprises in the network marketing, computing technology and banking and financial industries have in-depth application, but the life insurance industry, big data in the most important risk There is no significant progress in control and management. Life insurance industry is the risk of the industry, to build a sound risk management system as a defense, all kinds of risk management must be sustained and timely response to reduce operational risk. The use of large data will be built over the years the customer-related information for risk analysis, through huge amounts of data analysis of customer behavior patterns, real-time detection of insurance and claims abnormal identification and analysis, once the abnormal signal can be immediately informed And take action from the early passive monitoring and management to the initiative to explore the case, through the big data to further emphasize the criminal behavior of the immediate detection and prevention, effective control of the insurance caused by the negative impact. This study uses the depth interview research method to carry on the research and analysis, and carries on the research object to the senior management personnel of three representative life insurance companies in Taiwan, through the deep interview, the data collection and the summary, the life insurance application big data in the medical risk control Important research found below: 1.Life insurance industry has been the introduction of big data to detect medical insurance fraud, but the system of technical resources life insurance companies generally still lacks to rely on cooperation with external information companies. 2.In the process of establishing the model of the system operation, the model must be adjusted on a regular basis in order to meet the demand as the environmental risk factor must maintain the flexibility adjustment. 3.Through the medical insurance fraud model to determine the operation, still can not neglect the manual audit mechanism, the system still has its blind spots and adjustment of space, the current big data computing maturity is still not completely replace the manual audit. 4.When the company is transferred to data-oriented decision-making management, the basic hardware and software engineering is very important, especially the data obtained, the enterprise must enhance the customer adhesion, integration and the establishment of customer complete information, which is an important basis for big data engineering.

碩士
銘傳大學
管理學院高階經理碩士學程
95
In Taiwan, there are many insurance fraud cases which had made huge damage for insurance company’s business operation in these years. And they influence social resource allocation and destroy the public’s right seriously. The objectives of this research are to analyze the data and to find out the behavior pattern of insurance fraudster when they apply a new insurance contract. Supply the results to life insurance companies to make whole risk management strategy for the potential insurance fraudster. On the other hand, the life insurance company would accelerate the non-insurance-fraudster underwriting process and reduce the conflict between risk management and business promotion. This research first briefed the current situation, risk management process, and risk management strategy of industry and exampled company. Then it indicated the characters of insurance fraudsters of exampled company and provides risk management suggestion for exampled company. This research indicated that there are some specific patterns in basic information, payment mode, and policy content of insured, especially in four factors, payment period, coverage amount, loading, and policy dividend option. Finally the research suggested exampled company to have special underwriting process for abnormal-premium-amount and payment-frequency policy. And it suggested the exampled company to modify the risk management strategy timely to achieve the risk management goal.

碩士
淡江大學
保險學系保險經營碩士班
101
With the rapid development of the economy in recent years, many countries have prospered from developing into developed countries. The level of national education has increased so as to the acceptance of insurance, which leads to the popularity of insurance. But with the insurance density and insurance penetration gets higher, the insurance fraud case emerges. According to the estimate of Taiwan Insurance Institute (TII), Taiwan had paid extra compensation about one-tenth amount of the original claims due to the insurance fraud each year. By estimated 2012 life insurance industry, the total insurance amount paid were 1229474 (million), and the insurance fraud paid is 122947.4 (million), it takes 4.7% of total insurance income that year. After the end of culture revolution in 1980 in China, the government allowed the establishment of local insurance companies. The insurance industry has prospered. The China life insurance company, which has the highest capitalization in china, having paid extra benefits due to the insurance crime every year. 　　The research discusses about criminal investigation and prevention of life insurance fraud for Taiwan and China. Author collects and analyzes major life insurance criminal events recent years in Taiwan, and had classified into four categories, including life insurance, health insurance, accident insurance and others. In order to help police and insurance company when they are investigating the insurance fraud, it had listed each type of crime process and supplement with actual case. The research majorly uses literature search and expert interview method, like collecting paper of Taiwan, China and overseas. Analyzing nowadays practical way of preventing insurance crime from each countries, and take legally point of view especially from Europe and America, which has more mature insurance development, to be references when proceeding insurance fraud prevention of Taiwan and China in the future. 　　When author being an exchange student in China, he had interviewed several China insurance experts. And manager of claim department of Taiwan insurance company, executives of Life insurance association of the Republic of China, Consultant Survey Company and Insurance experts and scholars …etc. He had interviewed with a total of twelve professionals in all areas, which has related insurance backgrounds, seven in China and five in Taiwan. We expect that through different background and interaction of Taiwan and China, it can benefit the healthy development of insurance in the future. 　　Finally, for the lack part of current prevention of insurance fraud in Taiwan’s insurance industry. Here come up with several recommendations by targeting insurance company, supervision department and future cross-strait cooperation, expecting to effectively prevent insurance crimes.

碩士
東吳大學
法律學系
104
Insurance is an economic compensation system of transfer and diversify risk. According to the utmost good faith, paying benefits is based on uncertain insurance accident. Life insurance not only provide function of stabilizing the economy and risk management at different stages to individuals, families and even society, but provide the conception of mutual benefit at the same time. Life insurance fraud is to deceive the insurance company into thinking the insurance accident was true in order to gain the benefit. Since the folk are simpler, mass media is not common and life insurance products are simple in the early time, insurance fraud cases are simply than now. But fraud cases are growing and more seriously recently, even involve human life, or collude with doctors to defraud the insurance company and National Health Insurance administration (for example: Mr. Chen killed his relatives in order to get the benefit; Ms. Lin, daughter in law, killed her family because of gambling; Mr. Lee used railroad to kill his wife; using a fake pathology report and colluding doctors to get the benefit; group teaching to defraud NHI administration by false hospitalization.) Since more and more fraud cases happened, it attracts the society and government’s attention recently, so Insurance Anti-Fraud Institute (hereafter refer to IAFA) becomes more important. IAFI cooperates with the insurance company to import and analysis the data room, then IAFI can provide the insurance fraud information data to the police and help them solving the fraud cases. In China, since the insurance market developed slowly, the first insurance law was established until 10/01/1995. To handle the fraud case almost reference Taiwan’s sample and practice, however, due to most insurance companies in China are state-run and full cooperation from all relevant national authorities, they keep concerning about the insurance fraud, prevention and laws, they exchange information with the Taiwan Insurance industry and official authorities, and they reference to the advanced countries to catch up with Taiwan gradually, even in amending the law are more advanced and faster than Taiwan in recent years. With the coming of 21 century, China is becoming the greater power in the world at the same time; in addition to they have to reform their own economic and amend the existing laws, they also accession to the WTO to connect with world’s rule. There is a specialized legal regulation for insurance fraud in China, which is more progressive than Taiwan, but Taiwan remains in the leading position in practice criminal prevention area. Therefore, the aim of this paper not only analyzes the difference of insurance fraud cases and the dilemmas in legal application, but introduces the laws and rules of insurance fraud in developed countries, and it also mentions about China life insurance fraud laws revised recently, simultaneously, it includes a brief introduction about collaboration and exchange of insurance fraud prevention between Taiwan and China. As mentioned above all from the view of insurance practice worker who work almost twenty years. In dealing with the comprehensive problem of insurance fraud shall be discussed in this paper, and it compares with the related law between Taiwan and China, also depends on other advanced countries in order that we would make a suggestion for amending related law.

Text in English
The primary aim of this study is to determine the significance of the application of physical surveillance as a method in the investigation of insurance fraud conducted by the Surveillance Unit at the Forensic Department of Discovery Life. Various objectives were fulfilled in this study:  To explore, identify and describe the value of the application of physical surveillance, as a forensic investigation method, in order to determine the significance of this method in the investigation of insurance fraud at the Forensic Department of Discovery Life.  To determine whether the application of physical surveillance at the Forensic Department of Discovery Life is achieving its intended objective relating to the degree to which the beneficiary’s (Discovery Life) situation has changed as a result of this method.  To apply new information, acquired from the findings of this study, to further develop good practice and enhance performance in order to empower investigators at Discovery Life with new knowledge relating to the application of physical surveillance in the investigation of insurance fraud. Semi-structured interviews were conducted with forensic investigators employed at the Forensic Department at Discovery Life. The research has revealed that the majority of forensic investigators, other than the Surveillance Unit, at the Forensic Department of Discovery Life do not utilise physical surveillance during insurance fraud investigations to assist them in gathering evidence. These investigators also had a lack of knowledge and skills regarding the utilisation of physical surveillance during insurance fraud investigations and the advantages of this method during insurance fraud investigations. As a result of the non-utilisation of physical surveillance during insurance fraud investigations conducted at the Forensic Department of Discovery Life, important information and evidence with regard to the movement and actions of identified perpetrators who commit insurance fraud are lost to the investigators. However, the significance of the application of physical surveillance in the investigation of insurance fraud is emphasised by the forensic investigators attached to the Surveillance Unit of Discovery Life who utilise physical surveillance on a daily basis to investigate insurance fraud. The research has further revealed that insurance fraud is a major concern to the insurance industry, but can be mitigated through the implementation of unconventional investigative methods, such as physical surveillance, to enhance investigative capabilities. It was recommended that all forensic investigators at Discovery Life be trained in the techniques of physical surveillance to address shortcomings of general and out-dated investigation methods.
Criminology and Security Science
M. Tech. (Forensic Investigation)

碩士
國立高雄第一科技大學
風險管理與保險所
98
Taiwan’s domestic life insurance companies face more tough competition under globalization, so they focus on extension of new contracts and pay little attention on rigorous underwriting process. Therefore, these rough behaviors result in sequential sudden death benefits or rescission in a very short period after underwriting these new contracts, and cause huge financial loss, human resources waste, profit suffer to serious erode, and often generate disputes between clients. Not only impact the company image and overall operating performance but also emerge in endless insurance fraud cases, and indirectly impact normal insured right and produce the social issues severely. The study focus on insured by “C” insurance company between 2001-2008 within two years of sudden death of the insured, research the April 23, 2004 interpretation Judicial Yuan Interpretation No. 576 before and after the issued, analysis of the data changes by normal case of payment and cancellation of contract, assessment data to cancel the case and examine the contents of the insured when and how to prevent or without special conditions of moral hazard, this paper collected for the sample by claiming department and underwriting department with the information of insurance companies, after remove unreasonable total 4277 document after the sample and divided into three options the study. Empirical results indicate that the underwriting choice by lower layer, because of policy holders gender, age, the insured amount, payment period and the different regions affected by the insured; Furthermore, the claiming choices by upper layer are subject to whether additional insurance claims, the Judicial Yuan Interpretation No. 576 promulgated point, the payment reasons and benefits of different types of insurance coverage the district into surrender or payment. This study hopes to have occurred in the sudden death insurance policy for the data features to be explored, and then to analyze the sudden high risk of death, to provide underwriter reference, when reviewed the cases of the new contract, and promote the sense of underwriter determined ability, resulting in the shortest possible limitation of the underwriter to make the most correct decision-making and reduce the occurrence of disease cases by short death.