Which of the following is an example of insurance fraud?

Making a deliberate misstatement is a clear example of insurance fraud because it involves intentionally providing false information to the insurer. This misstatement can be made during the application process for insurance or when filing a claim. Engaging in such deceptive practices is fundamentally unethical and legally punishable, as it undermines the integrity of the insurance system.

In contrast, failing to pay premiums on time does not constitute fraud; it reflects a payment issue rather than a misrepresentation. Requesting policy changes regularly is a normal and acceptable part of managing an insurance policy and does not imply any deceitful behavior. Consulting an insurance agent is part of the standard process for obtaining information and making informed decisions about insurance coverages, and it, too, does not relate to fraudulent activity.