In the real world, there will always be people who have bad intentions. This is inevitable and there is nothing we can do about it. There will always be somebody out there just waiting for the right timing to make a move and steal your money. What you can do to protect yourself is to always be on the look out. In any business, this thing can happen and the industry of insurance is no exemption. Whatever transaction you enter, always be aware that you are dealing with the right people. Especially in the Internet, be wary that the website is legitimate and that the company is truthfully licensed.