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[–] thrus ago 

If you go in knowing how it works it isn't fraud and any agent is happy to explain the process to it, the companies them selves don't even try to hide it and the fact that they like every other business try to turn a profit isn't hidden either. You may not like how it works but fraud it is not.

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[–] SHIVASHIVASHIVA 1 point -1 points (+0|-1) ago 

I was in the 'nsurance industry' for decades, I know it's fraud. Insurance is corruption.