A complete course of study providing education and training to allow the student, to learn how to deal with the fraudulent claims and why an insurer should never settle a claim that it believes is false and fraudulent. The student will review and understand the concept of never settling a claim that is fraudulent or not covered.  

This fifteenth course in the series provides a representative of an insured or the representative of the insurer with sufficient knowledge to work together to make certain that fraudulent claims are not paid and that the insurer never pays a claim that is not covered by the policy.

The Course covers the following:

  1. The need to defend insureds against false and fraudulent claims.
  2. The need to refuse to pay claims that are not owed – whether because the insured is not liable or the policy provides no coverage for the loss.
  3. Why settling with a fraud invites further fraudulent claims.
  4. Why paying a non-covered claim makes the wording of the policy useless.
  5. Why it is needed to fulfill the duty to defend. 
Learning Objectives
  • Recognize what to do when investigation results in a conclusion a claim is fraudulent.
  • Explore what to do when investigation results in a conclusion a claim is not covered by the policy.
  • Identify the reasons for refusing to pay a fraudulent claim.
  • Recognize how liability insurers conclude a fraudulent claim has been committed.
  • Identify each of the requirements needed to negotiate with a fraudulent claimant.
  • Discover each requirement to pay or not pay a claim.
  • Discover how to fulfill all of the needs of an insured and an insurer.
Last updated/reviewed: August 13, 2023

Included In Certifications

This course is included in the following Certification Programs:

15 CoursesCorporate Liability Insurance Certification

  1. Corporate Liability Insurance: Excellence in Claims Handling
  2. How to Acquire a Policy of Third Party Liability Insurance
  3. How to Read and Understand a Liability Insurance Policy
  4. The Necessity For An Honest And Complete Application For Insurance
  5. The Basics of the Law of Contracts for the Insurance Professional
  6. The Law of Torts
  7. Ethics for the Corporate Liability Insurance Professional
  8. The Covenant of Good Faith and Fair Dealing
  9. Interviewing Techniques For The Corporate Liability Insurance Professional
  10. Corporate Liability Insurance Fraud Prevention
  11. Corporate Liability Insurance: Rescission - An Equitable Remedy
  12. The Duties Of An Insured Presenting A Third Party Bodily Injury and Property Damage Claim
  13. The Statement And the Investigation of Third Party Liability Insurance Claim
  14. Compliance with Good Faith Settlement Practices Regulations
  15. Corporate Liability Insurance: Millions For Defense Not A Dime For Tribute
Course Complexity: Intermediate

No Advanced Preparation or Prerequisites are needed for this course. However, it is recommended to take the other courses in the series prior to completing this one.

Education Provider Information
Company: Illumeo, Inc., 75 East Santa Clara St., Suite 1215, San Jose, CA 95113
Contact: For more information regarding this course, including complaint and cancellation policies, please contact our offices at (408) 400- 3993 or send an e-mail to .
Instructor for this course
Course Syllabus
  Introduction to Course 15: Millions for Defense Not a Dime for Tricute10:17
  The Duty to Defend11:40
  The Duty to Defend Cont'd9:41
  Why Millions for Defense?10:53
  Course 15 – Millions For Defense Not A Dime For Tribute42:32
  Slides: Millions For Defense Not A Dime For TributePDF
  Millions For Defense Not A Dime For Tribute Glossary/IndexPDF