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The scheme is an insurance policy that will pay a regular income if the policyholder cannot work - usually after three or six months off work.
This is paid by an insurance company to the beneficiaries of the policyholder when they die.
Increasingly, investigators find themselves battling gangs that steal the identity of a policyholder and then file false claims under his name.
This type of insurance covers the policyholder against damage to either a third party or a third party's property.
Insurers are increasingly advising policyholders to keep valuables, such as jewellery, in a safe when they are not being worn.
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