Insurance Fraud

Our fight against insurance fraud

Insurance fraud takes many forms, from inflating a claim to faking a disability. It occurs when individuals intentionally deceive an insurance company to collect money that isn't rightfully theirs.

Each year insurance fraud costs all types of insurance companies and their customers billions of dollars. In fact, the Coalition Against Insurance Fraud estimates that insurance fraud costs Americans at least $80 billion a year. Northwestern Mutual is proactive in its effort to fight insurance fraud, and we are continually improving our procedures for prevention, detection and investigation of insurance fraud.

Passing on costs, passing on savings

Each incident of fraud forces insurance companies to absorb unnecessary expenses. Those excess expenses can cause companies to raise premium rates. Or, in the case of mutual insurance companies, those expenses may result in lower dividend amounts for policyowners. Conversely, when fraud decreases, the money an insurance company saves can be passed on to its policyowners.

What is insurance fraud?

According to The Coalition Against Insurance Fraud "Insurance fraud occurs when people deceive an insurance company or agent to obtain policies or collect money to which they are not entitled. Similarly, insurers and agents also can defraud customers, or even each other."

Some examples of insurance fraud include:

What is being done?

Northwestern Mutual has a Special Investigations Unit (SIU) whose responsibility is to investigate suspected fraud and to help local law enforcement officials prosecute offenders. The SIU works to detect, prevent and resolve fraudulent activities perpetrated against Northwestern Mutual.

Additionally, many states actively prosecute insurance fraud through established fraud bureaus. We urge you to visit your state's department of insurance Website for information about insurance fraud specific to your state. Also, the following organizations maintain Websites that provide information about the problem of insurance fraud:

What to do if you suspect fraud

If you suspect insurance fraud has been committed against Northwestern Mutual or Northwestern Long Term Care Insurance Company, call our toll-free Fraud Detection Line at 1-877-607-2485 or email the SIU at Or, contact your state's insurance fraud bureau.

When contacting the SIU, please provide the following information, if possible:

Email Hacking Fraud

Email hacking

Printable Version

Illegal access to an email account

Email hacking occurs when any unauthorized person accesses another person's email account. This allows the criminal to read and use any content in the email account—contacts, saved documents, sent items, etc. The criminal can then impersonate the email account owner to obtain funds from existing accounts, open new accounts for money transfers, make unauthorized purchases, and open new credit accounts. Keep in mind that anything in a hacked email account has likely already been copied by criminals, enabling them to continue to impersonate the real owner. If you believe a fraudster has accessed your email account, we recommend that you take the following actions to protect yourself:

Contact your email provider

Contact all institutions where your information may be at risk

Monitor your credit

Educate yourself

Additional Information
FTC Information on Hacked Email
FTC Information on Credit Reports
Annual Credit Report
Information Protection at

Protect your Northwestern Mutual policies and accounts

Be prepared to provide your account/policy number when requesting the following:

Make the Call

If you are an employee, contractor, field force member, or vendor/supplier for Northwestern Mutual or its subsidiaries and you suspect or observe a concern related to possible:

Contact the Ethics Resource Center (ERC) to confidentially report your concern. Help maintain an ethical culture and protect Northwestern Mutual's reputation for integrity and trust.

Access the ERC by phone (866-663-8427) 8 a.m.–4 p.m. Central Time. Outside of business hours, you may leave a confidential message.