March 7, 2026 •
The 'Tombstone' Scheme: Underwriting Policies for the Deceased The Anatomy of a Ghost Policy In the lexicon of insurance fraud, few terms evoke as much…
March 6, 2026 •
The 72,000 Policy Purge: Analyzing State Farm's Mass Exit from California's Residential and Commercial Markets The March 2024 announcement from State Farm General Insurance Company…
February 14, 2026 • Ekalavya Hansaj
The 'Project 200' Funnel: Analyzing the systematic harvesting of intern personal networks for leads The ‘Project 200’ Funnel: Analyzing the systematic harvesting of intern personal…
February 14, 2026 • Ekalavya Hansaj
SEC Accounting Probe: Loan Interest Accrual Practices The veneer of financial impregnability at Massachusetts Mutual Life Insurance Company fractured on October 8, 2025. Reports from…
February 13, 2026 • Ekalavya Hansaj
The 'Non-Profit' Facade: Analyzing the 1997 Tax Status Revocation and the Board of Governors Loophole The origin story of Teachers Insurance and Annuity Association of…
February 11, 2026 • Ekalavya Hansaj
The Reality of Mutual Ownership: Policyholder Rights vs. Executive Control The marketing division of New York Life Insurance Company (NYL) sells a seductive fiction. They…
February 11, 2026 • Ekalavya Hansaj
The 'Suckers List': Investigating Algorithmic Price Optimization Schemes Insurance pricing, from the maritime contracts of 1000 AD through the actuarial tables of the 20th century,…
February 10, 2026 • Ekalavya Hansaj
Japan Sales Halt: The Financial Impact of the 90-Day Suspension The February 2026 decision by Prudential Financial to voluntarily suspend new sales in Japan marks…
February 10, 2026 • Ekalavya Hansaj
The Death Master File Settlement: Withholding Unclaimed Death Benefits Metropolitan Life Insurance Company executed a calculated data arbitrage strategy between 1990 and 2011 that fundamentally…
February 9, 2026 • Ekalavya Hansaj
The 'Delay, Deny, Defend' Playbook: Institutionalized Claim Suppression The following investigative review exposes the operational mechanics behind State Farm’s claim suppression strategies. This section analyzes…
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