Ep 10: $2.9M Family Scheme, 700+ Fake Policies & the Right Way to Win

Foreign. Welcome to Fraud Facts and Life Insurance with Agent Verified, the podcast that dives into the wild world of life insurance gone wrong. Every week we peel back the curtain on real cases of financial chaos and help you spot the red flag before it's too late. We'll share what went wrong, why it happened, and how to protect yourself by working with the right agent. Hey, let's face it. These stories might have ended very differently if only they'd use agentverified.com. hey. Hey. Welcome back to Fraud Facts and Life Insurance with Agent Verified.

Hey, everyone. We are Betsy Barr and Javon Spencer. And we, we ended with a picture of a beautiful house and we just knew that something not so beautiful, that's.

The sad part, because a lot of insurance ages have beautiful homes that we make. We really help a lot.

But let's just say this, this, this house, there's not something beautiful.

Yeah, something's about to happen. If you're on this episode, if you're in this, on this podcast, something not.

So beautiful, something not so beautiful has happened. All right, so let's, oh, let's, let's see what it is.

Families accused of a $3 million scheme.

That a prosecutor says was the work of insurance fraud.

And this revolved around a sick relative. Nine on your side's Jay Warren explains how this happened.

Jay?

Well, those who live in the Mason Deerfield Township area know that Long Cove is both the boardwalk and Park Place neighborhood of this area. Now, this one family, the Stevensons, it looks like today that they did not pass go, they went directly to jail.

On the outside, a beautiful property. The U.S. attorney's office says on the inside it was fueled by fraud, insurance fraud to be exact. This morning federal agents were still inside looking for evidence. 53 year old Mitch Stevenson, his wife, 57 year old Patricia and 30 year old daughter Candace Stevenson are all charged with money laundering and conspiracy to launder money. How much? Almost $3 million. The U.S. attorney for the Southern District of Ohio in Columbus says the family took out two life insurance policies on a sick relative, but never told the insurance company that she had diabetes and weighed 387 pounds and had other conditions.

What?

Instead, they had a healthy woman pretend to be that relative during a medical exam. As and when the unhealthy relative died, the insurance company unwittingly paid out two claims totaling $2.9 million. From there, the U.S. attorney says while the three were living high on the hog, paying $16,000 to World of Decor and other luxury retailers, they were shuffling money around bank Accounts in an elaborate effort to cover their tracks. Now, whatever assets they had, including this property, not on Boardwalk, but Hampton Bay Place, has been seized by the feds.

Now, we do know this morning that Patricia Stevenson and her daughter Candace Stevenson turned themselves into federal authorities this morning up in Columbus. They are since out and at last check the father, Mitch. He is supposed to turn himself in, but has yet to do so. These money laundering charges, 20 years in prison for each charge, conspiracy, that's 10. So they face a whole host of time if convicted. And finally, what tipped everybody off? Well, that has not been said, though we do know that the IRS office here in Cincinnati played a huge part in this investigation. Jay Warren, nine on your side, Deerfield Township.

Whoa.

Wow. Wow. Yes, that. Yeah, we, I think we went over this one in one of the previous episodes, but now we got to see the visuals with it, right?

Like the real behind the scenes. Okay. Yes. I 2.9 million revolved around a sick relative.

Nine on your side's Jay Horn explains how this happened.

Jay?

Well, those who live in the Mason Deerfield Township area know that Long Cove is both the Boardwalk and Park Place neighborhood of this area. Now, this one family, the Stevensons, it looks like today that they did not pass go. They went directly to jail.

That was like petty, like, he was like, I wonder how long he had to take to create that. That was like petty Eddie right there.

They did not passco. They went straight to jail. Okay, Jay. Okay, Jay.

Jay worked on that all night. Jay was working on that one all night.

Jay's like, I got something special for my listeners.

On the outside, a beautiful property. But the U.S. attorney's office says on the inside it was fueled by fraud. Insurance fraud, to be exact.

Well, that was another one fueled by fraud. Who.

But here's the. I don't. I really want to know. Like, we still. What tipped them off? Because that is pretty. Especially with us being virtual. And like, the cool part about this one is that who was the life insurance agent? Because the agent wasn't involved. This is the family involved.

This is exactly the family. Well, it said the irs. And so it makes me think something with taxes. That's just. But I mean, I don't know, because life insurance, it's tax free.

So that's what I'm saying. It's not like they had to report it or if they would have. No, who cared about reporting it? It's a death claim. I feel like someone told like this. Someone told someone like this.

Maybe it was. Maybe it was the agent. Maybe the agent took their anti money laundering course seriously.

Maybe that's why they can't tell. Because he won't do any more business because he told on somebody.

But he was doing his job. Oh gosh.

This morning federal agents were still inside looking for evidence. 53 year old Mitch Stevenson, his wife, 57 year old Patricia and 30 year old daughter Candace Stevenson are all charged with money laundering and conspiracy to launder money.

Okay, I just think that's crazy that they're doing this with their daughter. Like I'm trying to imagine me and my.

I mean $3 million. Like I feel like somebody told. I don't know, we can speculate, we gotta go.

But man, but I mean also just being in a scheme like that with your parents, like I can't even fathom that. I can't even, I can't even.

How much? Almost $3 million. The U.S. attorney for the Southern District of Ohio in Columbus says the family took out two life insurance policies on a sick relative, but never told the insurance company that she had diabetes and weighed 387 pounds and had other conditions. Instead they had a healthy woman pretend to be that relative during a medical examination. And when the unhealthy relative died, the insurance company unwittingly paid out two claims totaling $2.9 million.

I'm just still wondering like, I mean, I guess it's a fake ID and maybe I'm just showing my naivete and I'm like, how does someone like you have to get a right you would have to get a fake ID because you have to show your ID and all that stuff during the medical exam. And they just. She had diabetes and social, you got.

To know name and social, social and all that.

From there, the US attorney says while the three were living high on the hog, paying $16,000 to World of Decor.

I think these people, I think these people don't like, like Jay is like really on the roll. But I don't think they like World of Decor. I guess that's like was the biggest red flag. Like how did you get that money?

Maybe that was three retailers. They were shuffling money around bank accounts in an elaborate effort to cover their tracks. Now whatever assets they had, including this property, not on Boardwalk but Hampton.

Right. I think that's what we said before too. Like why would you shuffle around if.

It was tax free?

Already claimed money like there was nothing that, I mean that's pro. Again, I think that's probably what tipped it off because if you legally got a death benefit, hey, like your family protected you like that's what it's for. You don't have to hide it.

Bay Place has been seized by the feds.

Now we do know this morning that Patricia Stevenson and her daughter Candace Stevenson turned themselves into federal authorities this morning up in Columbus. They are since out and at last check the father Mitchell. He is supposed to turn himself in but has yet to do so these.

One thing I can say I can pretty like you hear that they would check themselves in and out. I guarantee you they don't have court appointed attorneys. Okay I'm pretty I promise you they got a little cut coin in a corner somewhere.

Somewhere they're paying and why did but like why didn't the father turn himself in? Like this story has a lot of.

I know right? That doesn't make sense. Maybe the maybe the divorce. Maybe they towed on themselves because he would I don't know.

I feel like. Okay, you know what I really would love? I would love to find out more about this story and bring it back again. It's like the story that keeps on giving our podcast.

We need to do that send our own researchers out there tell us more about the Mason you know want to.

Know 20 years in prison for each charge conspiracy. That's 10 years. So they face a whole host of time if convicted. And finally what tipped everybody off? Well that is not though we do know that the IRS office here in Cincinnati played a huge part in this investigation. Jay Warren not on your side.

Deerfield Township.

Wow. Wow.

A lot to uncover there.

Even the chickens are.

Even the chicken is like I want to know more. There we go.

Oh man.

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Well Betsy and and some and some better news man we've been share some better news.

I need some.

I need some positivity and some. Yeah some better news. We've been really, really helping families teaching the agents all about adding on additional policies to protect the families and all the way around. Okay and one of the things that's been really really helpful is people don't realize you know we have a question on our intake form is who do you want who do you have your cancer policy with and the number One question they'll ask, they'll say is, I don't have cancer. And we're like, you need a cancer policy before you get cancer. Like, we don't want you to have cancer. And they're like, well, I don't have a cancer policy. And then they'll have, like, a history of. And it's always tricky with the history of cancer because someone had to have it first, right? So if you don't have a history of it, that doesn't omit you from ever having it, right? So we've been really, really helping families protect themselves. Not on just the life insurance, but because of our license, we've been protecting families with cancer coverage. And the thing about the cancer coverage that's really good is that if they ever get cancer with the. With the life insurance policies with living benefits, they can just use the cancer portion from their cancer policy and just get a big lump sum to live on, right? And just being around.

So. So dig into that a little bit more, Jamon, because I think people probably don't know, like, and maybe just heard what you said, and we're like, is that possible? Like. Cause.

Oh, yeah, absolutely. Yeah.

Tell people what that means.

Break it down so we have carriers that, you know, want to. How costly is it? If anyone's ever dealt with. With someone dealing with cancer, loss of income, right, Is huge. They have to go to the doctor. So I mean, most people need a nurse, some sort of assistance outside of just their family members, right? These things cost, right? The cancer treatments you might not have access to because you don't have enough money. Well, there's policies out there that allow you to. If you ever get diagnosed with cancer at any stage, it gives you the face amount like a lump sum. So simplified issue, we can do up to $100,000, no question asked, literally. Just. Well, the only question is, have you had cancer within 10 years, right? And if you answer no, then you're fine, right? And then you send in, you know, claim that you've been diagnosed with cancer. They send you that check, guys. It gives you the ability to not go to work the next day. Can you imagine having to work while you're fighting for your health? The stress? Like, one thing I learned about cancer is that stress fuels it, right? So if you stress financial stress, financially, you're losing your home, you lose an hour. Like, it's so much that this policy covers, and most people don't even know it exists, right? Or it's that it's only with work, right?

So you said I just want to make sure everyone heard what you said. Right. So you. They submit a claim I have cancer confirmed by the doctor and then the carriers just write a check if they.

Got a policy to write them a check for that face amount. Yeah.

Can you imagine? I'm trying to like, I have, you know, hearing I have cancer and then getting a check for 100,000 or 50 or whatever it is that I got. Actually I have a cancer policy because I have massive history of cancer in my family. And when I found out about this, I was like, I absolutely want to have a cancer policy because that was one of my biggest fears is like, what happens if I get cancer? Because statistically I'm probably going to get it at some point with my family history. And like, wow.

Yeah. So we've protected a lot of people with that and just teaching the agents because, you know, a lot of the ailments come before the death, but just teaching them to ask questions. Right. Because the more questions you ask, the more you'll be able to help the family. So just been asking a lot of questions. So yeah, we've been.

Way to go, way to go. Spencer Agency. Protecting those people from cancer. Fight cancer. I mean, you know, there's, you know, here's the thing. There's so many. I feel like there's a lot in the world today, like, you know, hey, we're fighting back against different types of cancer and so much cancer research. But I love that we have cancer policies because it's truly helping people when they get cancer. And like, you know, it's not always about money. Like, you know, I would always, always hate for, you know, for people to think, oh, we just think money's going to solve all the problems. Like, you know, you're still going to have cancer, there's still going to be grief. Like, you're still going to need to deal and process with those emotions. But it's like, what is, what can the money do? The money can just take away a lot of the stress of like, how am I going to feed my kids, how am I going to stay in my home, how am I going to pay the bills, keep the lights on? You know, money can take away those problems so that you can focus on the things that like, matter most, those relationships with your family. Keeping everything as stable as possible in the midst of this trauma. So I love what we get to do. Isn't it awesome?

Really, really good?

It's pretty awesome. It's pretty great. Need extra income, but don't want another dead end side Gig. The Aloha program lets you earn from home on your time with real support and real results as a virtual life insurance agent. No fluff, just training leads and a system that works. Ready to boost your income the smart way. Apply now at www.thealoha program.com the Aloha Program. Make more matter more. But there's some people that take advantage of that. Oh, and it's terrible. Let's listen to another story. I still can't believe I'm in a fraught podcast. I'm like I just want to talk about happy things, good, the bad and the ugly. I know we have to talk about the negative too because we want to protect everybody. So all right. That's why we do it because we don't want you to be in one of these stories. That's what I tell myself. Here we go.

Office says a 37 year old woman was arrested accused of insurance fraud. The affidavit says that she provided fraudulent documents that show showed that she sold more than 700 policies to employees from different companies. News for Jackson. Reporter Bri Isom joins us live. Bree, this all happened about two years ago and the lawyer that I talked to says it probably took officers so long to arrest this woman because these types of things happen all the time, unfortunately. Jacksonville Sheriff's office says 37 year old Shawana Williams was arrested February 11th after she provided documents showing that she sold 746 Aflac policies to 192 employees from 14 different companies. In the affidavit it says all of those documents were fraudulent. The affidavit says most of the companies don't have employees. Some of the individuals listed as company owners didn't even have companies in their name. The affidavit says she filed insurance for dead people, also insurance for employees that turned out to be family members.

These policies were bogus. These individuals didn't even know they had policies. Some of these companies didn't even exist.

So you said that you see a lot of these sorts of crimes happen.

We do.

John Holzbauer is a lawyer not affiliated with this case. He says unfortunately insurance fraud happens a lot.

There was a tremendous commission at stake. Hey, just fill out these applications, you get a commission and we're talking about a large sum of money in excess of $120,000 over 11.

The affidavit says Williams also received an additional $3,000 for these contests. There's a lot of evidence to incriminate.

There's, there's, it sounds like there's a lot of evidence. Whether it's incriminating or not, it remains to be seen if there's other actors involved that were taking advantage of the defendant. We'll see who wrote those applications. Are they in the defendant's handwriting? Is.

Is. Is the.

Does the defendant have some kind of alibi or to put distance between her and these applications. All that stuff's got to be sifted through page by page.

And now this lawyer says that this woman, if she's convicted, could face up to 30 years in prison. I'm reporting live in Jacksonville. BRI ISOME, Channel 4, the local station.

But yeah, the new format just get. Makes it that much real. Like 700.

Somebody alleged 700 applications. That's a. That's a lot. Like 700 applications. That's a lot of applications.

That's a lot.

I mean, I'm just thinking of writing those.

Well, you just. If she went to the cemetery, it's pretty easy. Like.

If she went to the cemetery.

No, that's a client. That's a Lord knows. If she went to online obituary. Oh, my goodness. Like, wow.

Some were family members, some were companies where the company didn't exist. Like, what. What are people doing? Like, and I mean, sure, it takes time, like that guy was saying, and it took time for the police to put it all together, but they put it together like people.

But I like the lawyer. Yeah, I like the lawyer. Like, go ahead. Like, he. He's letting him be known. Does anybody else benefit on the defendant? Like, was there upline involved? Was there a company. Right. No response from Aflac as of yet. But how much insufficient funds do you have to get from one person before you realize that? I need to talk to her. I need to talk to her manager. So this is allegedly something that is. I get it.

Well, and did you. Did you hear too? There was talk about a contest that she won. So I wonder who else won.

Right? You know, if I win a contest. Yeah.

Yep.

Okay.

Was arrested, accused of insurance fraud. The affidavit says that she provided fraudulent documents that show so. Showed that she sold more than 700 policies to employees from different companies. News for Jax. Reporter Bri Isom joins us live. Bree, this all happened about two years ago, and the lawyer that I talked to says it probably took officers so long to arrest this woman because these types of things happen all the time, unfortunately. Jacksonville Sheriff's office says 37 year old Shawana Williams was arrested February 11th after she provided documents showing that she sold 746 Aflac policies to 192 employees from 14 different companies. In the affidavit, it says all of those documents were fraudulent. The affidavit says most of the companies don't have employees. Some of the individuals listed as company owners didn't even have companies in their name. The affidavit says she filed insurance for dead people, also insurance for employees that turned out to be family members.

These policies were bogus. These individuals didn't even know they had policies. Some of these companies didn't even exist.

So you said that you see a lot of these sorts of crimes happen.

We do.

John Holzbauer is a lawyer not affiliated with this case. He says, unfortunately, insurance fraud happens a lot.

Was a tremendous commission at stake. Hey, just fill out these applications. You get a commission. And we're talking about a large sum of money in excess of $120,000 over 11 months.

The Alpha.

I mean, I know we keep saying this, but I mean, yes, that's a lot of money, but you can also get that amount of money legal the right way. Yeah, doing it the right way. And then keep doing that over the period of, like, your career so then you don't have to go to jail.

And facing 30 years. Facing 30 years for $122,000 is like.

That is not worth it. That's not worth it when there's so many ways to get that legally in the insurance business. And, like, just by doing your job. Like, literally, if you're just doing your job, you can easily make that. Like, it's. No, that's. What's so crazy about all this stuff is that these people are choosing to just take a shortcut and they're getting caught because, like, that's just stupid in the life insurance industry. It's just stupid to do it that way. Like, no wonder they're getting caught.

David says Williams also received an additional $3,000 for these contests. There's a lot of evidence to incriminate her now.

There's. There's.

It sounds like there's a lot of evidence. Whether it's incriminating or not, it remains to be seen if there's other actors involved that we're taking advantage.

Yeah, I like him.

Who wrote those applicants?

Yeah, who wrote it?

And he's not even involved with it. But if there's other actors, because even his immediate is, like, who could not notice 700 bad policies? Like, we get an email over one. Insufficient funds. Can you imagine 700 of them?

Like, and every. And every agent is the same. That agent would get a phone I mean, the agent gets a phone call after the first one. Hey, you need to meet up with your client. Well, hey, I've sent five. We've had five of these phone calls in the last two days. What is going on, friend? Like, yeah, there would be a conversation happening. Imagine if I. Okay. And now that I see that you're running a scam.

Yeah, I'm not gonna let you get to 10.

Right. So something else is going on here, because 700 is a very large number.

Are they in the defendant's handwriting? Is.

Is.

Is the.

Does the defendant have some kind of alibi or. To put distance between her and these applications, all that stuff's got to be sifted through page by page.

And now this lawyer says that this woman, if she's convicted, could face up to 30 years in prison. I'm reporting live in Jacksonville. Bri. Isa.

30 years in prison when you could have just done it the right way. Like, no, no.

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Well, that was unpleasant.

Yeah. Tell us something good, Betsy. Part. What is going on in the bar agency now?

We're bringing on agents that are honestly. Okay, let's talk about. Let's talk about that. 120,000, right? So let's. Let's break it down. So one of the things that people do, you know, when they come into the life insurance industry. I know when I came in, I. I was a full time teacher. We needed extra income in our family, and so I came on and, you know, I look back now, I went and met with, like, my mentor, and I was like. And he was like, you know, kind of, what are you. What are you making now? What are you looking to make? And I had never had, like, a boss talk to me about how much money I wanted to make for my family, right? So at first I was like, are you. Am I allowed to tell you how much I want to make? Like, you know, used to be it was like, as a teacher, you go to the, like, the state education department website, and it's like, okay, this is how much teachers in North Carolina are teachers in Tennessee make, right? And so I was like, well, you know, as a teacher, I mean, I guess with benefits and with my extra degree and all that, you know, I'm bringing in about 3,500, 4,000amonth. So do you think that I could do that as a life insurance agent? And tell me I'm laughing now, because back then, I was like, could I really make that much? And to his credit, he did not laugh in my face, but he did smile, and he said, we can help you do that really fast. And I was like, for real? I mean, I just was like, blood. But, you know, now, like, I have my agents that come in, and I'm like, okay. And that's one of the first things I asked him. I was like, hey, how much do you need to keep your family? Like, to keep all your bills paid, keep your rent, keep your mortgage, feed your family, like, keep the lights on? Like, what do you need to make per month? And that's what we start with, right? And then we go with, hey, what do you want to make per month? Like, what would you love to see hit your bank account every month? And you know me, I love spreadsheets, right? So we have it all. Spreadsheet it out, and it's like, okay. They just plug in the number. Like, okay, hey, I need 3,000 to keep everything going for my family. Okay, I want to make 8,000 or I want to make 10,000amonth. And then. Do you know what we do, Javon, is we tell them exactly. But they needed to get there, like, and then. And so that way, because. Because that. Because I realized too, like, I can't be like, oh, you want to make 3,000? Okay, like, yeah, I can help you do that. Really, within the next two weeks, if that's what you. If you're willing to put in the work. But, you know, having it okay, again, I'm a nerd. I know having it on the spreadsheet, like, it tells them, okay, if you want to make this much per month, this is how many applications you need to write per week. Like, we're going to break it down. This is how many people you need to sit with and have meetings with per week. And, okay, can you commit to that? So we just make it, like, so straightforward, you know, how are you willing to put in the work that you need to get that result? And, you know, once we break it down and make it so simple, then it's like, okay, yes, I will. Or No, I won't. Right. Then we do, like, we have accountability meetings, right? And the great thing about being a life insurance agent is, you know, I'm not their boss, right? Like, I'm not the one breathing down their neck. Okay? You know, so, I mean, I remember checking homework every day as a teacher, and, okay, now I got a great. It's like there's. There's none of that. Which, of course, I don't really miss grading. Grading homework sheets every day. So there. That is very nice. But, you know, we have a daily sheet that we ask them to fill out, right? And then we have these times when we come together and we all go over our numbers together, right? So what's amazing to me, Javon, is that my agents fill that out every day, and they come and we share our numbers, and they're excited to share their numbers with everyone. Like, it's not like there's this, okay, you have to do this. It's like, hey, I'm gonna put these numbers down. We're gonna come together. I'm gonna get input on how I can do better, you know, and so it's like, we have this. This camaraderie. We have this idea of, like, hey, we're all working together. We're all going to get better because, you know, we're tracking our numbers. Okay? This is how, you know, if this is how much I need to make. This is how much I need to do. I'm making the dials that I need to. I'm making. Sitting with the families that I need to. And so just kind of building that into the whole culture of the agency. It's just been awesome to see people come in and say, this is what I want, and then follow through with it, you know, like. Or an agent that came in. Like, we had an agent that came in, and then she was not making the number of dials that she needed. So she came to our, you know, our engage time, and she saw other agents. Like, I've got one agent. She's doing 3,000 dials a week because we have the dialer that allows her to do that. So this other agent that was struggling with dials goes, well, hey, how are you doing? You know, I don't even have to say anything. She's just seeing, you know, the other lady's numbers. And then the other lady's like, hey, I just. I put it on my calendar. I sit in the live dial session. I sign up for sessions, and I just dial and I call people. And, you know, of course, you can see the difference, too, in the outcome. Like, the lady that's calling a lot of families that have asked for help and sitting with more people, because she's calling more people, she's writing more applications. And so she's hitting not just the number that she needs for her family, but she's like, betsy, I hit the number that I wanted. And she's like, can I make that number higher? I said, this is your number. Absolutely, you can. And so then, you know, the newer agent that come on, that wasn't doing all the dials, like, she's seeing, oh, if I just do more activity, I'm gonna get more income. So then what do you think happens the next time we're at the Engage call? Her activities shot up. And so just like, this whole culture where we're. We're in this together, we're not putting people down saying, hey, you didn't get enough. Like, it's okay. Hey, how can we all grow together? And so just seeing that in the agency and, like, just agents coming in and being like, okay, can I put in the work? Kind of being timid, too, at the beginning, but, like, when they see results over and over and over again from so many different agents, and then all of a sudden, they're the ones that are putting in the work, they're putting in more dials. And then seeing that as a result, okay, now they're getting more income deposited into their bank accounts. Like, it's just beautiful.

Right way. The right way, yeah.

So think again. The 120,000, that's where they bring it all around. I got so excited talking about the agents. But, you know, 120, that's where she. That was like the want number. Like, hey, I want to have 10,000 deposited into my bank account. And when we first met, she was like, I can't even imagine that. Betsy. She was like, that number seems so big. And like, the last two months, that's what she had deposited into her account. And she's like, I can I double that? I was like, can you do double the work? And she was like, I can. And I was like, and you're a lot better than you were two months ago. And so now she's like. She said, okay, I'm going to double it. I'm going to go for it. And so, you know, just being like, hey, you can literally say whatever it is that you want your income to be, you can make it happen here. I'd never even imagined that as a teacher, and now here I am helping other people. Do it like, it's insane. It's insane. And it works every week. I love it. Oh, I love it so much. So, yes. That's what passionate about. Like, just do it the right way.

Do it the right way. Do it with us. So there you go. Awesome. All right, who's the. Who's next up? Who's on the cliffhanger?

Go from that to the cliffhanger. Oh, this is the worst. Okay, here we go. All right, well, let's do it. Let's do it.

Is arrested in Tallahassee after allegedly orchestrating a life insurance fraud scheme. Police say that Joyce Small has secretly obtained 33 life insurance policies on 29 different people.

Wow. Oh.

All right, well, we're gonna come and see what she did next time, so leave you on such that positive note. No, not really. All right. But, guys. Yes, we are. Betsy and Javon with fraud, facts and.

Life insurance with agent verify verified.

We'll see you. Bye. Thanks for listening to fraud, facts and life insurance with agent verified. If this episode made you double check your policy or your agent, head over to agentverified.com to find someone you can trust. We'll be back next week with more fraud stories, facts, and ways to protect what matters most. So stay smart, stay safe, and always verify your life insurance agent.