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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.
Increasingly, investigators find themselves battling gangs that steal the identity of a policyholder and then file false claims under his name.
This is paid by an insurance company to the beneficiaries of the policyholder when they die.
This type of insurance covers the policyholder against damage to either a third party or a third party's property.
How much more bad news are policyholders supposed to endure?
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