Federal Insurance Office 

U.S. Department of the Treasury

Federal Advisory Committee on Insurance 

(FACI) 

Alan Haskins 

NICB Director Government Affairs

November 2, 2016
© 2016 National Insurance Crime Bureau

Key Facts

 Non-profit organization

 1,100 P&C insurance companies, rental car 

companies and self-insureds

 104-year history of established cooperation with 

federal, state and local law enforcement agencies

 Corporate Headquarters – Chicago

 380+ employees (investigators - former federal, 

state and local law enforcement)

 2016 Revenue – $50M
© 2016 National Insurance Crime Bureau

Mission and Vision

 Mission: To lead a united effort of insurers, 

law enforcement agencies and representatives of 

the public to prevent and combat insurance fraud 

and crime through Data Analytics, Investigations, 

Training, Legislative Advocacy and Public 

Awareness.

 Vision: To be the preeminent organization 

fighting insurance fraud and crime.
© 2016 National Insurance Crime Bureau

 Data Analytics

 Investigations

 Training

 Legislative Advocacy

 Public Awareness

NICB Disciplines
© 2016 National Insurance Crime Bureau
© 2016 National Insurance Crime Bureau
© 2016 National Insurance Crime Bureau

NICB Business Model
© 2016 National Insurance Crime Bureau

Strategic Goal

Intensify investigative efforts to mitigate the 

effects of major criminal activity with 

emphasis on medical fraud
© 2016 National Insurance Crime Bureau

Priorities

 Medical Fraud

 Commercial Fraud

 Vehicle Crime
© 2016 National Insurance Crime Bureau
© 2016 National Insurance Crime Bureau
© 2016 National Insurance Crime Bureau
© 2016 National Insurance Crime Bureau

Medical Fraud Task Forces

2002

• New York

• South Florida

2007

• Houston, Texas

• Los Angeles, California

2008

• Metro D.C.

2010

• Central Florida

• Mid-Atlantic, New Jersey 

2013

• Chicago, Illinois
© 2016 National Insurance Crime Bureau

Training

 940 classroom sessions

 31.6K insurance industry / law enforcement 

 17K CE’s processed

 55K students enrolled in 113K online courses

 45K visitors to NICBtraining.org
© 2016 National Insurance Crime Bureau

Legislative Advocacy

 Promote statutes, regulations and 

policies at all levels of government to 

help in the prevention, detection and 

defeat of insurance fraud
© 2016 National Insurance Crime Bureau

Public Awareness

 Work with local law enforcement, member 

companies and state trades 

 Public Service Announcements 

• Nearly 50,000 airings in 2015

• New PSAs every 6-8 months 

• Radio spots following disasters 

• Billboards 
© 2016 National Insurance Crime Bureau

Public Awareness 

 YouTube Channel 

• Towing Abuses 

• Flooded Vehicles 

• Cargo Theft 

• Staged Accidents 

• Storm Chasers 

• ....and much more 
© 2016 National Insurance Crime Bureau

Public Awareness

$0.0

$20.0

$40.0

$60.0

$80.0

$100.0

$120.0

$140.0

$160.0

2008 2009 2010 2011 2012 2013 2014 2015 2016

Ad Equivalent Value 

(millions)

*1st

Qtr.
© 2016 National Insurance Crime Bureau

Cost of Insurance Fraud

Property & Casualty

Health Care & Life

Insider; Producer, 

Agent Broker

$1.2 trillion dollar net written premiums

$19.2 billion in premium tax

5,962 insurance companies

2.5 million employees

FBI estimates non-health care $40 billion; average family $400 -

$700 increased premiums

FBI estimates health care fraud, both private and public $77 

billion - $259 billion or 3%-10% of total health care expenditures

CAIF $80 billion

1992 III study estimated 10% of Property & Casualty incurred 

losses or about $34 billion.

2000 Conning study “a crime that costs the American public in 

excess of $96 billion. 
© 2016 National Insurance Crime Bureau

Insurance Fraud by Region

Vehicle 

crime & 

insurance 

fraud

Coastal

Midwest

Major 

metropolitan 

areas

Ports of 

entry

Border 

crossings

Natural 

disasters
© 2016 National Insurance Crime Bureau

Technology Changes Everything 

Data Analytics

License Plate Readers / Recognition 

(LPR)

Anti-Theft Devices Social Media

Digital Intelligence

Security Cameras 

Cellular Phone 

Data
© 2016 National Insurance Crime Bureau

Analytical Focus 

Medical • Analysis of 

medical billing 

data using the 

NICB AMD 

• MedAWARE 

Alerts 

• Topical 

whitepapers and 

videos 

Commercial • Analysis of neutral 

commercial claims 

in the areas of 

liability, property 

and work comp

• Identified leads are 

sent to the regional 

agents and result in 

ForeWARN Alerts 

to our members

Auto • Using data from our 

data partners: 

• CARCO

• Experian

• NASTF

• Provide leads on 

vehicles that have 

been VIN switched, 

cloned or identified 

as recent having keys 

cut to steal the 

vehicle 
© 2016 National Insurance Crime Bureau

Analytical Focus Statistical • Access to large 

data sets from 

ISO 

ClaimSearch for 

use in statistical 

gathering and a 

basis of analysis 

for all analysts

Tactical • Analyze large 

volumes of case 

data for 

presentation to 

NICB Agents, 

LE and 

Prosecutors 
© 2016 National Insurance Crime Bureau

Digital Intelligence

 Digital Cat Response

• Aerial and street views and mapping

– Before, during and after a catastrophe

 Field Intelligence Collection

• Crowdsourcing leads to increased 

situational awareness

• Crowdsourced 3D photo models

• Creates a 3D environment from public 

photos
© 2016 National Insurance Crime Bureau

Mystery Device
© 2016 National Insurance Crime Bureau

Deciphering the Device
© 2016 National Insurance Crime Bureau

Making in Work
© 2016 National Insurance Crime Bureau

Starting Your Vehicle
© 2016 National Insurance Crime Bureau

Thank you for your time... 

Questions?