If you feel you have encountered a fraudulent job posting, the following resources may be used for reporting:
The fraud is often furthered by these job seekers being told to pay hundreds of dollars to outfit their home with a remote office setup (only to learn their payment was made to fraudsters for a job they never actually had with the company they thought they applied for), or to cover what they were told would be licensing fees to be an insurance producer for the company.
Common red flags we have seen associated with this fraudulent fake job posting scheme include the following:
- Any job posting or email correspondence providing a company email contact that is not from the domain “@protective.com” (ex: fraudsters commonly use an email address like “firstname.lastname@example.org”).
- Any job posting where an applicant primarily corresponds with someone claiming to be with Human Resources but only communicating with emails or Google Chat.
- After telling an applicant a job offer is made, wanting to email you an attachment (said to be a payroll check) that you must print from your own printer and deposit to your bank via mobile app.
- Job posting or follow-up email correspondence containing typos and grammatical errors.
Authentic job postings for Protective are posted to https://www.protective.com/about-us/careers/.
Red flags for these scams include:
- Receiving an unsolicited call that claims to be from our company and asks you for personal identifying information to provide a policy quote.
- A phone call's area code is the same as your phone number's area code, but not an area code from one of Protective's office locations (i.e. Birmingham, Alabama, St. Louis, Missouri, and Cincinnati, Ohio). Scammers often use phone apps to create new phone numbers in the same area code as their victims to make their calls appear to be a locally dialed.
- Caller appears to be reading from a script or is an automated telemarketer/robo-caller.
- Caller hangs up upon your questioning the legitimacy of the call.
Frequently asked questions about insurance fraud
Insurance fraud is a crime in which either an insurance company or agent is defrauded by an individual seeking to obtain a policy or collect money for which they are not entitled, or where an insurance company’s customer is defrauded (which may result in a financial loss to the customer, the insurance company, or both).
Protective Life’s Special Investigative Unit (SIU) is responsible for investigating suspected fraud and coordinating with local, state, and federal law enforcement agencies (to include the fraud divisions of state departments of insurance) in the prosecution of insurance fraud offenders. Additionally, our SIU works closely within the company to detect, prevent, and resolve fraudulent activities targeting Protective Life and its customers.
- Someone calling or emailing asking you to pay money or fees (especially though untraceable payment methods such as wiring, prepaid card or gift cards)
- Requesting private account information
- Requesting access to your computers
- Pressure to act immediately or with time-limited deal
- Indicating a change in account status you did not request
- Emails that don’t look quite right, including a sender you don’t recognize, suspicious email addresses or misspellings
- Keep your personal details secure and private
- Do not open suspicious emails, delete immediately
- Never click on attachments in emails from senders you do not know
- Do not respond to phone calls
- Do not provide remote access to your computer
- Beware of requests for your money or payment requests
- Watch for misspellings or grammar issues within emails or documents
- Report any suspicious spam activity
Additional fraud resources
Still have questions?
Let us know if you have questions or need to report suspected insurance fraud.