During the vigorous development of varied social environments and insurance industry,ths phenomena of insurance fraud is more particular,life insurance fraud cases have kept happening continuously in recent years, which reveal that the amount of insurance fraud is keeping increasing and becomes the organized crime.
In this research, we introduce the organized criminal cases of insurance fraud arrested by Criminal Investigation Bureau(CIB) recently,and administer the analysis of practical examples by discussion of the relative theory and overview of the research. In the same time,in order to examine the organized crime of insurance fraud’s formation,current status,characteristics,patterns,legal aspects and organizational structure, we collect the data of statistics about insurance fraud from the Insurance Anti-Fraud Institute and in business.
We also compiles the present difficulty on prevention of organized crime of life insurance fraud and propose the preventive strategies of the life insurance company in Taiwan as follows：
1.Enlarging the rangeof the life insurance notification system,
2.Using the skill of underwriting to detect the members of the criminal organization,
3.Designing new product and to modify the provision of the policy,
4.Aberrant analysis of claim,
5.Keeping the closed relationship with prosecutor and police,
6.Establishing the obtained channel of foreign information.