Terry Bagwell

Federal health coverage fraud costs American taxpayers $60B-$100B each year, but knowing common tactics can make suspicious calls easier to spot early.
Common attempts seek your coverage ID, personal details, or financial information, then bill for services never received or open fake accounts later.
Red flags include urgent calls, phishing texts, free equipment offers, genetic testing pitches, and claims that a new card is required now.
In the moment, disengage: hang up, avoid buttons, skip links, delete messages, and verify any home visit with a trusted source first.
Protection starts with checking statements, keeping numbers private, using official sources, talking with trusted people, and reporting suspicious activity to official hotlines.

US Federal Coverage Scams: Stay Protected

Insurance availability and pricing now influence global valuations, financing terms, and exit outcomes throughout the deal lifecycle, making insurability a strategic diligence priority for investors.
Insurability is no longer a simple yes-or-no question; it can shift during ownership and materially affect asset value before exit planning decisions.
Long-term global insurance losses from natural catastrophes continue trending ~5% to ~7% annually in real terms, reinforcing adaptation and mitigation priorities now.
Leading diligence now reviews change-of-control issues, program gaps, uninsured exposures, compliance needs, and go-forward insurance cost, not just whether coverage exists today.
If long-term loss patterns return, global insured losses could reach $148B in 2026, with a peak-loss scenario up to $320B for planning purposes.