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The Koyal Group Private Training Services - Secret Technology Tracks Private Phones

TAMPA — When searching for dangerous criminals or missing crime victims, police have a covert weapon that can zero in on cellphones by pretending to be a signal tower.

The secret technology, often called Stingray, tricks mobile phones into communicating with investigators’ equipment.

Not all agencies use the expensive technology, which is at the center of a devisive debate.

It can gather information about cellphone use by anyone, innocent people as well as investigative targets, within its range.

The Florida Department of Law Enforcement says it has used the “cell site simulator” equipment about 1,800 times since 2000.

Tampa police do not possess the technology, but a spokeswoman says the department has asked its law enforcement partners to borrow theirs in dozens of investigations during the past few years.
One case was the manhunt in June 2010 for Dontae Morris, recently sentenced to death for shooting to death two Tampa police officers during a traffic stop.

The equipment did not locate Morris, said police spokeswoman Laura McElroy.

The department has turned to its partners to help “track down our most dangerous criminals” as well as missing children, McElroy said.

The Hillsborough County Sheriff’s Office declined to comment on the covert technology, although the American Civil Liberties Union, a chief critic of the equipment’s use, says the agency is among many to sign an agreement with FDLE allowing the sheriff’s office to borrow it.
Clearwater police have also signed an agreement for borrowing the technology, the ACLU said, but police spokesman Rob Shaw said the department has not used it.

An FDLE spokeswoman said the agency doesn’t loan out the equipment but allows it to be “used jointly” by FDLE task force partners.

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The ACLU has tracked use of the technology and uncovered what it calls potential abuses across the country, including law enforcement agencies that have lied to or misled judges about use of the equipment.

Florida is one of about 14 states where state or local law enforcement are known to use the cell site simulators, the ACLU says, along with about a dozen federal agencies including the FBI, U.S. Marshals Service and National Security Agency.

According to the ACLU, the equipment comes in a number of sizes, some handheld and some as big as a small suitcase, suitable for mounting in a car. Their signal ranges can be up to about a mile.
ACLU attorney Nathan Wessler said it’s possible investigators operating the equipment may not see bystanders’ phone information even though the equipment is capable of capturing it.

Stingray sends signals mimicking those sent by cellphone towers, forcing mobile phones within range to respond with information, including electronic serial numbers and locations.

“It’s sending signals through the walls of private homes and offices, forcing phones to report back their location,” Wessler said. “When you know a phone’s location, you almost always know a person’s location.”

There has been no evidence the equipment can intercept the contents of cellphone communications, such as conversations or texts, Wessler said.

Federal agencies’ use of the technology has been known for years, Wessler said. Use by local and state law enforcement was revealed only recently.

A key question, Wessler said, is whether the devices keep information obtained from the cellphones of people who are not investigation targets.

“We still don’t know the answer to that,” he said. “This is one of the most important pieces of information they should be making public for the public to understand whether their privacy rights are being violated, but we just don’t know.”

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FDLE uses the technology only when authorized by a court, spokeswoman Gretl Plessinger said.

“FDLE does not use this technology to eavesdrop on conversations, read text messages, access emails or examine private data,” Plessinger said. “We do not collect or retain information from citizens who are not subjects of an investigation.”

But Plessinger could not produce any court document specifically authorizing use of the equipment. She said court orders are sealed and could not be released.

Wessler said FDLE and other agencies have failed to make available any policy governing the use and storage of information from people who aren’t targets, which suggests no such policy exists, he said.
Plessinger said the state’s laws governing this kind of information are “narrow in scope.” She said there’s no policy relating to innocent bystanders’ information because none is collected.

The equipment has been used to locate people wanted in homicide, home invasion and sexual battery investigations as well as missing children, she said.

The FBI declined to discuss the technology but did provide an affidavit filed in Tucson, Arizona, by a supervisory special agent who says details about the use of the equipment and how it works are not disclosed because they are considered sensitive.

Disclosure would enable criminals and foreign powers to create countermeasures, the affidavit states, and would “completely disarm law enforcement’s ability to obtain technology-based surveillance data in criminal investigations.”

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The FBI says the technology is so sensitive that information the agency maintains about it is exempt from court rules requiring prosecutors to share information with defense lawyers.

Wessler said the ACLU has filed at least 37 records requests with law enforcement agencies in Florida and has determined that three local departments, in addition to FDLE, have the equipment. Those departments are in Miami, Miami-Dade and Sunrise.

Wessler said 15 departments have either provided no records or have told the ACLU they don’t use the equipment.

Police departments in Tampa, St. Petersburg and Clearwater, as well as the Pasco County Sheriff’s Office, said they didn’t have any relevant records. The Pinellas County Sheriff’s Office was still searching for records.

The ACLU is challenging the Sarasota Police Department over the equipment in a case recently moved to federal court in Tampa. The ACLU filed a public records request for applications and state court orders related to the use of the devices.

Sarasota police initially agreed to provide the records, but before they could, U.S. marshals seized the documents, saying they had been created by officers serving on a federal task force. A state judge later said the court had no jurisdiction over what were deemed to be federal records.

The ACLU insists they are not federal records because they were prepared by state employees for use in state court.

“Nowhere else do we have this crazy situation where a federal agency swoops in and seizes the records,” Wessler said.

The ACLU did obtain what Wessler called a “smoking gun” in the form of Sarasota police emails showing police deliberately conceal use of the equipment from judges.

In the emails, Sarasota Sgt. Kenneth Castro says North Port Police had specifically described the technology in a court document. The sergeant asks North Port to either change the document or at least change procedure so that wouldn’t happen again.
The email says use of the equipment has not been revealed “so that we may continue to utilize this technology without the knowledge of the criminal element. In reports or depositions, we simply refer to the assistance as ‘received information from a confidential source regarding the location of the suspect.’ North Port responded that it can’t change the court affidavit but will submit an addendum. The department pledges not to refer to the specific technology in future documents.

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Wessler said his organization also has uncovered emails from federal prosecutors in California showing magistrates discovered investigators used the cell simulators after obtaining warrants to use pen registers and trap and trace devices, which record only the phone numbers that make and receive calls to and from a particular phone.
Warrants for that technology require a relatively low threshold of evidence because the information it gathers is much more limited than what is collected by cellphone simulators, Wessler said.

The magistrates, Wessler said, had “no idea” they were authorizing the cell site simulators when they signed the orders.

The ACLU recently won a court victory in Tallahassee when a judge unsealed a transcript of a 2008 hearing in which a Tallahassee police investigator discussed using the equipment to track a rape suspect after the victim informed detectives the attacker had taken her cellphone.

During that hearing, the prosecutor told the judge the courtroom needed to be closed because the investigator had signed a nondisclosure agreement with the equipment manufacturer.
The maker, Harris Corp., based in Melbourne, declined to comment for this story.

According to records obtained by the ACLU, FDLE has purchased more than $3 million worth of cell site simulators from Harris since 2008. Wessler said each device can cost tens of thousands to hundreds of thousands of dollars.

The Tallahassee court transcript provides a rare glimpse into how the equipment was used in a particular case. Investigator Christopher Corbitt testified he underwent six days of training from the manufacturer.

Corbitt said police contacted the victim’s cellphone provider, Verizon, which gave police information about the location of the cell tower the phone was communicating with. By emulating a cellphone tower with the equipment, Corbitt said, “we force that (cellphone) to register with us.”

Corbitt said he used a car-mounted device to follow the signals to a particular apartment complex and then used a handheld device, walking from door to door in the complex, pointing it at every apartment until the victim’s phone was found.

Wessler said it was particularly alarming that Corbitt said the equipment was “evaluating all the handsets in the area” to find the phone police were seeking.

This, he said, shows that innocent bystanders’ information is captured.

The Koyal Group Private Training Services designs its online and on-site training to your particular needs, providing information you can apply while in training in order to reinforce the efficiency of that information. Our coursework qualifies state standards both for fraud and continuing-education upgrade. Our programs are adaptable and can be presented in various formats to address industry requirements and standards. Please visit and check our course listings.

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The Koyal Group Private Training Services: 30 Day Sharp Shooter

30 Day Sharp Shooter ( promises it can improve people's shooting technique and give them a good chance of protecting themselves in any situation. This has caught the attention of's Stan Stevenson, prompting an investigative review.

"Our 30 Day Sharp Shooter review shows that it contains tips and techniques not widely known among the public that Jason learned in his career. It will help you improve your accuracy when shooting," reports Stevenson. "Whether you are a beginner or have shot thousands of rounds, this course could benefit you. If you are a beginner, you will learn how to shoot with accuracy and confidence, plus get a ton of knowledge about gun safety, storage, and usage. If you have been shooting for a while, but don't feel completely confident in your shooting, then you will learn how to shoot with greater accuracy and greater confidence."

First, 30 Day Sharp Shooter teaches one a trigger control secret, which is the most important part of becoming a confident and accurate shooter, and it sets the foundation for the rest of the 30 days. Jason has included pictures to really give people insight into the technique. They will get some training that they can do from their home, such as the 'blank panel drill', which doesn't involve any ammunition, but still improves their accuracy. Every day during the month, they will get a drill to practice that will improve their shooting.

"From a professionally trained shooter, this defensive pistol course that improves shot accuracy is available for a fraction of the price that you would have to pay in person. You can also learn everything about keeping a concealed gun with the bonus book. During the week, the drills require no ammunition, and during the weekend, the drills are live-fire drills that will require you to head out to the shooting range.," says Stevenson. "Broken down into 30 days to allow you to focus on each drill and master it, you get instant access to the fun and informative guide and the bonus material. You will also improve your shooting so much that you will be confident in a dangerous situation."

"30 Day Sharp Shooter review is a great guide for anyone who owns a gun, but doesn't have the confidence to use it accurately in any situation. Only people who have been learning every technique possible would already know all the information contained in this guide. 'The big secret' is advanced techniques that not many people know. Anyone who wants to gain confidence with their gun and shooting will benefit from the guide and the bonus book included. The program does exactly what the title promises; it teaches you to be a sharp shooter in 30 days."

The Koyal Group Private Training Services ( designs its online and on-site training ( to your particular needs, providing information you can apply while in training in order to reinforce the efficiency of that information. Our coursework qualifies state standards both for fraud and continuing-education upgrade. Our programs are adaptable and can be presented in various formats to address industry requirements and standards. Please visit and check our course listings (

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Texas Investigated Insurance Fraud Cases in 2013 by Koyal Group Training Services

Texas Investigated More than 550 Insurance Fraud Cases in 2013

Texas Department of Insurance Fraud( ) Unit opened investigations into more than 550 insurance fraud cases in 2013.

More than $10.3 million in insurance fraud was identified in criminal cases referred for prosecution in 2013, the department said. Court-ordered restitution for cases that reached final adjudication during this same period totaled more than $7.5 million.

“The amount of insurance fraud committed in Texas is growing and the schemes to make false claims for insurance benefits are becoming more complex,” Texas Insurance Commissioner Julia Rathgeber said. “I would like to thank local prosecutors for their diligent efforts to combat fraud with all of the tools available to them. Together, we can build a strong line of defense against these crimes.”

These are the fraud unit’s top 10 cases for 2013:

• Mike Klein filed continuous injury claims with his health insurer after his retirement from the San Antonio Fire Department. Klein forged paperwork from his doctor and supervisor in support of the claims. Klein pleaded guilty to insurance fraud, a second-degree felony. He was sentenced to 120 months deferred adjudication and ordered to pay $2,000 in fines and $117,140 in restitution.

• George Martinez was employed by multiple employers while he was receiving workers’ compensation benefits after being injured at his primary place of employment.  Martinez did not notify his workers’ compensation insurance carrier of his other employment as required by law. Martinez pleaded guilty to insurance fraud and was sentenced to 48 months deferred adjudication. He was also ordered to pay $2,000 in fines and $7,196 in restitution.

• Christopher Purser and Robert S. Mills sold fictitious marine insurance to the owner of Shoreline Cruises of Lake George, NY. When the cruise ship Ethan Allen sank and killed 20 elderly tourists, the company was left with no valid insurance coverage( ). Purser and Mills pleaded guilty in U.S. Federal Court – Southern District of Texas to federal charges stemming from an investigation by the TDI Fraud Unit, the Internal Revenue Service, and the Federal Bureau of Investigation. Purser was sentenced to 188 months in prison. Mills was sentenced to 120 months in prison and was ordered to pay $2.45 million in restitution.

• In Dallas County, Sylvia Leyva-Talamantes billed Blue Cross and Blue Shield for 110 health claims for services that were not rendered. She received more than $28,131 in benefits from these false claims. Leyva-Talamantes pleaded guilty to insurance fraud, a second-degree felony. She received 120 months deferred adjudication and was ordered to pay $2,000 in fines and $28,131 in restitution.

• Leslie Ray Collins of Sugar Land, also a former insurance agent whose license was revoked in 2009, collected insurance premiums for fictitious residential and commercial insurance policies that he created. Collins failed to forward the premiums to an insurer to bind valid coverage but instead used the funds for personal benefit. He also obtained premium financing agreements on fake policies and kept those funds. Collins used the funds in a commercial real estate scam that resulted in the loss of several millions of dollars to investors. The Harris County 338th District Court convicted Collins of a first-degree felony of misapplication of fiduciary property with value of more than $200,000 and sentenced him to 12 years in prison. The court also ordered payment of $162,424 in restitution. This case was initiated by a complaint to the TDI Fraud Unit.

• Olanrewaju “Larry” Omoyele posed as owner/operator of Rose Tree Medical Clinic and caused different attorneys to file false claims with various insurers for treatment of patients allegedly injured in auto accidents. Neither the clinic nor the patients named on the insurance claims existed.  Insurers paid a total of $114,382 to either Rose Tree Clinic, the attorneys, or to the people allegedly involved in the accidents.  Omoyele went to trial and was found guilty of insurance fraud, a first-degree felony.  He was sentenced to 84 months in prison and ordered to pay $131,182 in restitution.

• Former insurance agent Leon “Randy” Sinclair III of Houston convinced more than 30 elderly customers to liquidate insurance products and other assets and place the proceeds in charitable gift annuity accounts.  Sinclair then misappropriated more than $16 million from the accounts. A Harris County District Court convicted Sinclair of first-degree felony misapplication of fiduciary property and sentenced him to 20 years in prison. The conviction followed a 16-month TDI Fraud Unit investigation.

• Sylvia Vazquez submitted false cancer treatment claims to her insurer, when in fact she had not been treated for cancer. Vazquez pleaded guilty to insurance fraud, a third-degree felony, and was sentenced to 120 months deferred adjudication, 120 hours of community service, and was ordered to pay $50,025 in restitution.

• Former licensed escrow officer Pearl J. Whitworth of Huffman fraudulently diverted customer funds to a Texas corporation for which Whitworth was the registered owner. Thirteen wire transfers, totaling more than $299,000, were made from the title company business( ) account where Whitworth worked to her personal bank account. She pleaded guilty to first-degree felony theft, was sentenced to 120 months’ probation, and ordered to pay the full amount of the wire transfers in restitution. TDI revoked Whitworth’s escrow officer license.

• Richard Trevino, DBA Chiro-Health Inc., billed health insurers for $515,063 of chiropractic services that were not rendered and received $153,536 in reimbursements.  Trevino pleaded guilty to insurance fraud, a first-degree felony.  He was sentenced to 60 months’ probation, 200 hours of community service, and ordered to pay full restitution.

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Koyal Group Training Services, How to prevent fraudulent claims?

How to prevent, detect and investigate fraudulent claims

Insurance fraud( ) equates to around £16m every week and £840m a year. The footage below shows a college student noticing water in the reception area and then intentionally slipping over, which resulted in a fraudulent insurance claim.

Injury claims in the workplace are a prime example of where a fraudulent claim may be made. These arise from an allegation that the organization was negligent, allowed the situation to become dangerous and led to a foreseeable risk.

A few practical, preventative steps will reduce risk and cut the time, effort and cost of investigations. By implementing a policy of regular inspection, risks will be identified sooner and accidents could be prevented. Ensuring that all inspections are carefully documented means they can be presented as evidence in court if it becomes necessary to defend against charges of negligence. At the very least, you should make every effort to disrupt the activities of the would-be fraudster who thinks that you are a soft touch. Installation of CCTV cameras is an important preventative measure.

Remember, if you do have a claim against you, act quickly. If you delay, valuable evidence will be lost and lawyers will apply pressure. So much more can be achieved if you keep one step ahead of the fraudster. By putting your strategies in place as soon as possible, you can be ready to deal with the claims quicker, more effectively and more efficiently.

Consider taking these steps to help detect fraud:

• Don't delay – this may lead to pre-action discovery proceedings and other increased costs.
• Visit the scene as soon as possible to obtain your own photographic evidence.
• Validate every piece of information that is presented to you.
• Refer suspicious claims to a fraud coordinator for an expert opinion.
• Check the claimant exists on the electoral role and investigate their living situation.
• Liaise with regional counterparts to deliver a consistent approach in your prevention and sanctions.
• Consider visual mapping of claims to see if a pattern emerges regarding the location of incidents and claimants, (e.g. clusters of claims in a particular area).
• Check for similar handwriting on sketches to track regular claimants or intermediaries.
• Deploy effective staff training in claim investigation techniques.

How Zurich Municipal combats fraud in insurance

At Zurich Municipal, we strongly believe in embedding fraud detection within all areas of claims handling, providing staff with the knowledge and tools to ensure that all suspicious activity is properly and thoroughly investigated. Examples of this include:

• Zurich has a dedicated Claims Investigation Unit (CIU), a team of 30 professionals who focus on the investigation of suspicious claims, raising awareness amongst staff and customers, and gathering and sharing intelligence.
• In addition, there are more than 25 full- and part-time fraud handlers and coordinators at our claim-handling sites to ensure that all suspicious claims are referred for investigation.
• We have a panel of approved suppliers and solicitors who complement the work we do in-house.
• Training is regularly delivered to all claims staff to make sure they know what fraud looks like and where they should refer the claim to.
• We will always look to prosecute fraudsters when the evidence exists, working closely with the Insurance Fraud Enforcement Department
• We contribute to industry initiatives, such as the Insurance Fraud Bureau, to ensure that Zurich is strongly represented.

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Tips on buying life insurance by Koyal Group Training Services

Original Source at The Seattle Times

Life insurance( ) has been called a euphemism for death insurance, but who wants to think about it that way? The important thing is that you think about it, and get insured, if needed.

• A primer on life insurance, from the Boston branch of the Better Business( ) Bureau, explains the many kinds of policies. The guide explains the different kinds of insurers and notes you must read the actual policy before buying.

• writer Jay MacDonald explores the “myths about buying life insurance.”

James Hunt, with the Consumer Federation of America, recommends term life and 401(k) investments as an alternative to whole-life policies, saying, “The problem is, 40 (percent) or 50 percent of the buyers drop out within 10 years and never get a good return on their money.”

• Tips at explain more about term insurance. “If you are in a situation (where) your dependents will not rely on you financially forever, your best bet is probably a term-life policy,” writes contributor Jessica Bosari. “Once kids are [financially independent], there is no reason to continue paying for life insurance.”

• You can look up Standard & Poor’s ratings for companies at, an independent insurance website.

• advises caution even with a well-rated company. This article gives guidelines for deciding if ratings are trustworthy and how to evaluate the financial health of an insurance company( ).

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Koyal Group Training Services: 5 tips for new parents considering life insurance

Original Source at

Few personal milestones compel someone to buy life insurance( ) coverage like becoming a parent.

In the event of an untimely death, life insurance can serve as a financial safety( ) net to ensure there's money available to pay for everything from medical bills to a home mortgage and the future college education costs.
Many Americans have taken steps to line up such a financial cushion.

At the end of 2012, there were 146.2 million individual life insurance policies in effect, with coverage totaling $11.2 trillion, according to the American Council of Life Insurers.

Here are five tips for new parents looking to buy life insurance:

Life insurance policies can vary widely, but they generally fall under two categories: Term insurance and permanent insurance, which are often referred to as whole life or universal insurance( ).

With term insurance you pay a premium for a set period, commonly 10 years or 20 years, and your policy entitles you to a specific amount of money. Unless the policyholder dies, triggering a payout, any premiums paid are lost once the policy term ends.

In contrast, whole life insurance policies cover insured individuals as long as they live. These policies also function as savings vehicle. A portion of the premiums paid for the policy are invested to provide a pool of money that the policyholder can access, tax-free, while they're still alive. Such policies are generally more expensive than term life insurance, however.

Andrew Porter, a certified public accountant in LaFayette, California, advises clients who are new parents to avoid whole life insurance.

"The cheapest form of insurance, generally speaking, for healthy, young adults is term (policies)," Porter said.

Generally, an insurance agent will help you determine an appropriate coverage amount for the policy by examining some of the key costs your family will have in years to come, such as the cost of child care, education and the mortgage.

Another approach is to figure out how much income you're expected to earn over your lifetime.

Still, while it might be tempting to think of life insurance in terms of a dollar amount, it makes more financial sense( ) to tie that amount to a goal, like paying off a mortgage or college tuition, said Porter.

"If you're going to buy insurance you want to have a specific use for each policy," he said. "It opens the way for insurance agents to oversell insurance that you may or may not need."

The cost of life insurance doesn't hinge on your credit rating, savings or assets. It's determined by your age and the results of a medical evaluation that's required every time you seek coverage.

If you're a couple in your 20s and healthy, you'll pay less than when you're in your 30s and 40s.

"If you can qualify now it's better to do it, versus waiting and something could change in your medical situation and you may end up not qualifying," said Craig DeSanto, head of life insurance and long-term care at New York Life. "And the younger you buy, the cheaper it is."

A 20-year-old man who is healthy and doesn't smoke could be charged, on average, $32.53 a month for $500,000 in coverage on a 20-year term life insurance policy, according to an estimate by insurance quote portal

By comparison, a 50-year-old with the same health characteristics would be charged $111.38 per month for the same coverage.

It's common for both parents to work and contribute to household expenses and the costs of caring for their children. That's one reason experts recommend both spouses have life insurance, particularly if they both pitch in to pay the mortgage.

But even in cases where one parent quits work to care for a young child, that parent should be insured.

"If you're providing for someone it's not just income that you make as an employee, it's the value you're providing taking care of a dependent," said DeSanto.

Wading through the trove of life insurance offerings can be challenging. It's best to consult with a financial advisor and meet with an insurance agent who can provide the most up-to-date rates and policy options available.

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Koyal Group Training Services: 4-year Auto theft Investigation

4-year auto theft, insurance scam investigation leads to arrests

A four-year investigation ended Friday with 12 arrests, and more expected, in connection with a million-dollar auto theft ring that allegedly ripped off car dealerships and insurance companies( ) in the Los Angeles area.

The California Department of Insurance said charges have been brought against 17 people in Los Angeles and one in Fresno.

The ring, according to the state agency, used phony credit cards and bogus bank accounts to purchase 21 high-end vehicles -- including cars made by Mercedes, Audi, BMW and Lexus -- from 18 different Los Angeles dealerships.

They insured the vehicles and crashed them, the Department of Insurance( ) said, in staged wrecks that often involved multiple vehicles driven by members of the ring. They then made insurance claims on the damage and defaulted on the loans. Three of the cars were exported out of the country.

Twelve of the alleged car crooks are in custody following early morning arrests. Two are making arrangements to surrender and four are still being sought, a spokesperson for the state agency said. Among those arrested is a husband-and-wife team, the agency said.

Members of the alleged ring are being charged by the Los Angeles County district attorney's office with theft of a vehicle by false pretenses, insurance fraud, grand theft from insurance companies, perjury on Department of Motor Vehicle documents and giving false information on government documents.

"Insurance fraud is a multibillion-dollar drain on the California economy that results in higher insurance premiums for California businesses and consumers," said state Insurance Commissioner Dave Jones. "This organized ring filled their pockets by ripping off insurance companies and auto dealers."

The multi-agency investigation, dubbed Operation High End, originated in the Fresno office of the Department of Insurance, and went on to include assistance from the agency's offices in Valencia, Los Angeles, the Inland Empire, San Diego and Orange County.

The arrest sweep involved more than 100 officers, the agency said, at locations in Van Nuys, Glendale, North Hollywood, Los Angeles, Sunland, Granada Hills, Panorama City and Fresno.

Agencies participating in the arrests included the Los Angeles Police Department's Task Force for Regional Auto Theft Prevention, Ventura County's Auto Theft Task Force, the California Highway Patrol, the Franchise Tax Board, and members of the San Bernardino County and Riverside County district attorney's offices.

Eleven insurance companies were hit with phony claims, the agency said, including Geico, Farmers, Progressive, Ameriprise, Unitrin, State Farm, Nationwide, Allstate and Wawenesa.

Names of the dealerships were being kept from the public for now, the agency said, because the investigation is ongoing.

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Koyal Group Training Services - Morristown man pleads guilty to health insurance scam

MORRISTOWN. – A Morristown insurance broker who allegedly stole nearly $1 million while continuing to sell health care coverage he knew was fake pleaded May 14 in connection with the scheme, according to U.S. Attorney Paul J. Fishman in a news release.

David Clark, 70, of Morristown, entered his guilty plea to charges of conspiracy to commit wire fraud before U.S. District Judge Michael Shipp in Trenton federal court.

According to documents filed in this case and statements made in court Clark owned and operated Real Benefits Association, LLC (RBA), a New Jersey limited liability company he incorporated on Dec. 17, 2003, under a similar name.

Clark established RBA as a purported labor organization and as a way to market and sell health insurance to the general public through the RBA Welfare Plan. Initially, the welfare plan was fully insured through Perfect Health, a licensed New York insurance company. Participants paid insurance premiums to bank accounts of RBA and/or the Welfare Plan, which Clark then remitted to Perfect Health. 

Perfect Health was purchased by Health Insurance Programs (HIP) in 2008, and HIP discontinued its insurance policy with the RBA Welfare Plan. The federal government notified Clark that RBA did not qualify as a labor organization and was required to cease operating.

Nonetheless, Clark continued to market and sells the health insurance plans to unsuspecting participants. Eventually participants began to complain to their respective state insurance departments when their medical claims were not being paid, which prompted various departments throughout the United States to issue cease and desist orders.

Clark and conspirators continued to market and sell bogus health insurance, and from December 2008 to July 2011, they collected about $1,789,596 in premiums for RBA health insurance coverage. Clark diverted about $962,027 from the premiums paid by RBA participants for his personal use, including by using victims’ premiums to fund personal debit and credit card purchases, college tuition payments and deposits to a relative’s bank account.

The conspiracy charge carries a maximum potential penalty of 20 years in prison and a $250,000 fine, or twice the gain or loss caused by the offense. Sentencing is scheduled for Wednesday Aug. 20, 2014.

U.S. Attorney Fishman credited special agents of the US Department of Labor, Office of Inspector General, Office of Labor Racketeering and Fraud Investigations, under the direction of Acting Special Agent in Charge Cheryl Garcia; and  the U.S. Department of Labor Employee Benefits Security Administration (EBSA), under Jonathan Kay, Regional Director; as well as postal inspectors of the U.S. Postal Inspection Service, under the direction of Inspector in Charge Maria Kelokates, with the investigation leading to the plea.

The government is represented by Assistant U.S. Attorney Michael H. Robertson of the U.S. Attorney’s Office’s Health Care and Government Fraud Unit in Newark.

If anyone has information or think they might be a victim of this scheme, contact (866) 444-3272 to speak to an EBSA benefits advisor.

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Better Business Bureau warns of scams targeting seniors of Koyal Group Training Services

Everyone must be alert to scams, but senior citizens can be more vulnerable. 

Seniors are often the targets of fraud and financial crimes because they’re easy to reach at home, are often too polite to hang up on calls from strangers, and they’re more likely to have nest eggs.

The Better Business Bureau Serving Wisconsin is warning seniors and adult children of senior parents to be on the lookout for, and report scams that may target them.  (Koyal Private Training Group)

The prevalence of scams targeting elders makes extra vigilance crucial.

The following are common scams designed to trick consumers, especially the elderly, into giving up their money, property or personal information.

The Grandparent Scam – Scammers call an older person and say something such as, “Hi Grandma, do you know who this is?” Responding with a name will allow the scammer to be able to establish a false identity, then ask for money to solve some unexpected problem. 

They may say “I’m stranded on spring break” or “I’ve been arrested” or “hospitalized” and need money for medical purposes, to get out of jail or back home. They’ll generally ask for payments be paid via Western Union, MoneyGram, Money Pak cards, or other untraceable methods. 

They’ll also usually state that his or her voice sounds different due to the accident or crisis, and ask that the grandparent not tell their parents.

Computer Repair Scam – Swindlers call claiming to be from Microsoft or other companies’ “tech support” departments, informing you that you have a computer virus and offers to fix it remotely, for a fee. Instead, he gains remote control access of your computer, making the computer programs no longer accessible.

Door-to-Door Sales Scams – People go door-to-door and offer extraordinarily low prices for home improvement work, often stating the offer is only good at that moment. 

Some of the door-to-door sales the BBB receives complaints about each year include asphalt paving, roofing, tree stump removal, storm damage, and sales of products including vacuum cleaners and magazine subscriptions. 

Door-to-door salespeople are often transient, and if you’re unsatisfied with the work or don’t receive the magazines you paid for in advance, there may be no way of finding them to get your money back. Check on all companies before doing business with the BBB, first. Take time to think about the offer; compare prices, shop locally, and ensure you know where the company is located should you have a problem later.

Charitable Donations Scams – Con artists disguised as being with a charity will ask for donations or money for raffles. You may think you’re helping those in need, but in reality you are helping crooks fill their pockets. 

Make donations only to charities that you are familiar with, and that you’ve checked their report with the BBB first. The BBB maintains reports on local and national charities, and those charities must meet specific standards including being transparent about where the collected money is going. 

You may check a BBB report at or by calling 414-847-6000 or toll-free within Wisconsin at 1-800-273-1002.

Counterfeit Check Scams – While there are many variations of the fake check scam, scammers will often send a legitimate-looking check and ask you to deposit it into your bank account and wire a portion back to them. 

They may say that you’ve won money but need to pay a portion in taxes, or they offer you a “mystery shopping” job and say they’re paying you in advance, but a particular dollar amount needs to be returned and “you keep the rest.” 

In reality, the money you wired cannot be returned to you. If you deposit the check and withdraw any portion of it, you’ll be responsible for paying back your bank the entire amount plus any overdraft fees.

Health Care Fraud Scams – Scammers will call or email misrepresenting they are Medicare or insurance representatives, stating they will be sending a new card or announcing a new plan and stating personal information is necessary. 

Sometimes, they’ll falsely state that an initial payment needs to be made for the new card or plan. Scammers are simply attempting to get personal or financial information and scam you out of money.

Telemarketing Fraud – Telemarketing scams usually involve offers of free or low-cost products or devices, bogus health care products (such as supplemental insurance or prescription cards), and inexpensive vacation offers. Those age 60 and older and those that live alone are special targets. 

Never give personal or financial information over the phone to someone you don’t know, and make sure you are registered with both the local (DATCP) at 1-866-9NOCALL and national (FTC) 1-888-382-1222 Do Not Call lists. 

Report soliciting or suspicious phone calls to the agencies. In most cases, you don’t need to know who called you or where they’re located, you only need the phone number to report.

Funeral and Cemetery Scams – Scammers read obituaries and call a grieving widow or widower claiming the deceased had an outstanding bill with them and then try to extort money from relatives to settle the fake debt. 

In another tactic, disreputable funeral homes will attempt to capitalize on family members’ unfamiliarity with the cost of funeral services to add unnecessary charges to the bill or attempt to sell high-end products or services.

Investment Schemes – During the senior years, it’s typical to plan for retirement and make financial plans. Scammers target seniors at this time because they know they’re retired and making plans to safeguard finances for their later years. Be wary of pyramid schemes (like Bernie Madoff’s), investment schemes promising quick and plentiful returns, advance-fee schemes, and foreign letter fraud schemes. 

Remember, If it sounds too good to be true, it probably is.

Travel Scams – Travel offers come by mail, phone, fax, and email and offer cheap rates, freebies, and promotions for travel packages or vacation clubs accompanied by “free” restaurant gift certificates, gas cards, or other gifts for attending presentations. 

These presentations obligate you to sit through high-pressure sales pitches. Know that it is unlikely you will get a refund once you sign a contract. Also, be especially wary of timeshare sales, resale, and timeshare donation offers.

The BBB wants you to be aware that scammers often look for people who have already been scammed in the past. So, if you’ve been a victim once, chances are you’ll be called again by other scammers.

It’s extremely important to report the fraud to which you fell victim, or even the pitch you received but didn’t fall for. 

Older Americans are least likely to report a fraud because they may be too embarrassed or feel ashamed if family members or friends find out. Reporting the situation to the proper authorities and agencies can prevent others from losing money, can help start an investigation into the scam, and will prompt agencies to properly alert others and work toward getting the scheme shut down.

Better Business Bureaus share information and offer free reports on thousands of companies and charities nationwide and across Canada. BBB’s work together and with law enforcement to share information and investigate. You can file a complaint, post a personal customer review, report a questionable advertisement, obtain free reports, tips and information, report scams, and sign up to receive free scam alerts and press releases. 

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Two million of us guilty of this insurance fraud of Koyal Group Training Services

Fronting' – trying to hide who is actually the main driver of a car – isn't just a little white lie (

According to new research from Privilege, 6% of motorists are falsely listing themselves as the main driver on a car insurance policy.

It’s known as ‘fronting’, but there could be grave consequences if your insurer finds out.

The rise of fronting

Fronting is a way to cut the car insurance costs for the real main driver. It’s typically parents that utilise it, as their child will face a far more expensive policy if they are named as the main driver. Instead, the parent claims to be the main driver, with the child simply a named driver. (

If the 6% figure from the Privilege survey is replicated across the nation, that would work out at more than two million motorists!

Incredibly a further 3% (or one million drivers) have been named on policies for a vehicle they have never even driven.

Why we are tempted

It should be no surprise that so many people are tempted by this ‘little white lie’, as the cost of car insurance for young people is extraordinary. And that’s even when you take into account the fact that it has fallen significantly over the last 12 months.

In April the AA published its latest Shoparound analysis of car insurance, where it combines the five cheapest premiums it could find from a range of sources. Here’s how car insurance premiums look for the different age bands, and how they changed on both a quarterly and annual basis.

As you can see, even though car insurance premiums for the youngest drivers have dropped by more than 20% over the last year, they are still around four times more expensive than the over 30s. Faced with a bill like that, is it any wonder that telling your insurer what appears to be a little fib becomes ever more tempting?

The danger of fronting

The problem with fronting is that it is a form of fraud. Should the insurer discover it has been misled, penalties include claims being refused and policies being cancelled with no premiums refunded. In some cases there could be fines, penalty points, even the possibility of losing your licence.

It will also prove more difficult – and therefore more expensive – to arrange cover in future.

Some people view fronting as a harmless way to save a few quid on their car insurance. In truth, it’s anything but.

Cutting your car insurance costs the right way

There are plenty of ways to cut how much you pay for your car insurance without resorting to fraud. Here are just a few:

• Never auto-renew: you should always shop around to ensure you are getting the best possible deal. Opting to auto-renew can cost you an extra £200 a year!

• Increase your excess: the excess is the amount you pay towards any repairs when you make a claim. By increasing the excess, your should pay less in premiums. Just don’t ramp it up to an unaffordable level.

• Improve your car’s security: parking off-road or in a garage, and installing an immobilizer or alarm to your car will make it more secure and therefore cut the cost of your car insurance.

• Pay it all in one go: most insurers will offer you the chance to pay off your insurance policy each month rather than in one go. But you’ll pay a massive rate of interest to do so. You’re better off getting a 0% credit card to cover the costs, and spreading the payments that way.

• Tweak your job title: bizarre as it sounds, the job title you use when applying for a policy makes a difference to the cost. For example, my quotes work out cheaper if I put my job down as editor than if I put journalist.
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