Underwriting, improved.

Verify financial standing by looking at income, discretionary spending and existing debt. Then count the NSF Transactions and Stop Payments as an excess of these could mean financial trouble and likely insurance fraud. Also verify client's are who they say they are by validating name, address, phone numbers, email addresses and other profile information. Doing so can drastically reduce your fraud rates online, where clients often input information and use documentation that isn't theirs.