Local Insurance Agent Charged With Fraud

The state says they've busted a local man for insurance fraud..

The North Carolina Department of Insurance says 35-year-old Phillip Raulerson of Grey Farm Rd. in Jamesville has been charged with one felony count of insurance fraud and three misdemeanor counts of forgery.

Lawmen say Raulerson is accused of forging the signatures of family members and using fake names on about 34 insurance policies between August 2008 and February 2009.

Lawmen say Raulerson collected commission on the fake policies while working for Combined Insurance Company of America.

The North Carolina Department of Insurance says Raulerson was booked under $10,000 unsecured bond. Martin County Sheriff's investigators assisted in the investigation.


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  • by Aimee Location: NC on Jan 13, 2011 at 11:46 PM
    To Lizaro -- The company COMBINED INSURANCE knew full well of this scam. Each application has to be signed off my a Territory Manager or Market Director. If these people are signing off on a policy, they know full well that the guy is selling far more policies to family members than is normal. That should have raised a Red Flag and they should have questioned it. The company looks the other way. I would say about 90% of the applications from ALL across the country are fraudulently written. The agents LIE on the applications -- that is Fraud. The Manager sign off on the applications. That is Fraud. There is a full-scale investigation being launched against Combined in several states. The agents, managers and directors will soon find themselves paying for years and years of fraudulent activity. Blatant Fraud is routinely reported to their JOKE of a "compliance" dept - but they do NOTHING! So -- state and criminal investigators are looking into alot of Combined's current FRAUD.
  • by Michael Robinson Location: chicago on Jan 8, 2010 at 02:30 PM
    The new Enhanced Sales Model is the worse idea they ever had. While you no longer have to drive 100 miles to pick up a $10 check for a field renewal, you no longer get the commission for getting those checks. The only way you now can get paid is to sell something. It is strictly commission based now. You still have to go to an 8 a.m. meeting to sing songs and do PMA games. You are expected to have 15 appointments every day, and to canvass in between appointments. You can canvass for sales, or canvass for new appointments. The only way to sell anything is to move fast and be an obnoxious person who talks over and through every prospect. You have to close hard and overcome all their objections. The company teaches you “argument starters” that are meant to overcome their objections to you barging in announced and trying to sell them something they don’t want or need or cannot afford.
  • by Commish Location: Chicago on Jun 8, 2009 at 06:00 AM
    Disgusted.I can empathasize, however it is the consumers responsibility to read through all the documents to ensure they are getting what they want and need.The vast majority of agents, mgrs and companies in the ins business conduct themselves well within the laws and the ins industry is very well regulated.As for the pressure to sell...the rep choose the field they are in and the company they represent...they also can choose to deal with any pressure put on them in a positive manner.Companies (& their mgrs) can not survive and profit without holding their sales people accountable for doing thier job.It is no different than anyother profession out there, if your not cutting the mustard then your going to be pressured to better perform and eventually terminated and someone else who can perform will replace you.Your right its about the numbers, as it is with all other businesses, if the numbers are not there the business fails and that is not good for anyone...including the customers.
  • by Disgusted Location: NC on Jun 5, 2009 at 01:47 AM
    I know for a FACT about the pressure Ins. Managers put on their sales managers & reps to sell the policy, no matter what!!! It has been a practice for YEARS! It's a NUMBERS game. DO NOT let those policies lapse!, the offic emanagers want their paychecks!!! they tell U that U are buying one thing and when U go to use it, it's something else entirely! I bought some policies to use for my grand kids education later on and now that I've paid on them for several years, I find that there will not B the kind of money that I need for them. I was led down the merry path as they say! We were done the same way with health ins from the smae co. several years ago. It's not just COMBINED Ins practices, it's ALL of them.
  • by Lizaro Location: Ohio on Jun 1, 2009 at 05:07 AM
    I find this interesting that people appear to be bashing the company and the industry, but forgetting that this individual basic insurance laws and that was his choice. It does not matter what or how the company pays its employees. What matters is that this person made a conscious decision to write what appears to be bogus applications...and that is a choice he made...I did not read anything in the article that suggested the company pressured him to write bogus apps to hit a quota or certain level of sales. The insurance industry is a vital part of the US economy, it is unfortunate that people stigmatize the industry so much. The industry is not evil, just as the majority of companies and agents out there are not bad. In fact, the industry is a savior to millions every year when personal catastrophy hits such as illness/accidents, deaths, fire, auto accident, floods, etc.
  • by Anonymous Location: Chicago, Illinois on May 29, 2009 at 07:38 PM
    Philip did what he had to, to even work for a SCAM company, that doesn't pay you anything, and expects you to continually drive around with no gas money. Combined is nothing but a Door to Door salesman job that Glorify's their Job description to even get you in the door. It's after your in and the Manager is making a bonus off of pulling succers off the street is when you find out Combined flat out LIED to you. This company should be terminatted for their antics to even entice a person to work for them without pay anyhow. The scumbag managers and corporate is getting paid though. You can guarantee that.
  • by Big B Location: Greenville on May 25, 2009 at 07:26 AM
    I think a lot of people want to put their personal side on this issue. Sometimes people do things that they think are the "Right Thing To Do" at the time. None of us know what was going on with Philip. His wife's family should be ashamed of what they did. Christians don't do things this way and I truly believe that none of this would have happen if he and his wife were not getting seperated. You let you feelings get the best of you and you just had to take the guy down some way some how. I would beat that if someone took a look into your past and present life they will find something you did that wasn't the "Right Thing To Do" and that might even be illegal. Be very careful at throwing stones and others because those's that judge will be judged also. I wish Philip all the luck in the world and God forgives and we should has well.
  • by Anonymous on May 12, 2009 at 07:52 AM
    to the guy that said it was only about 1300 in commission, he is correct, but then you have to take out taxes, gas money, hotels, he was really left with nothing. a company with minimum commission schedules, weekly pressure to submit, and high expenses equals problems like this
  • by Shannon Location: Greenville on Apr 30, 2009 at 07:41 PM
    Philip Raulerson is a good man! He is a former decorated Marine and a patriot to this country! I am Shannon Rodgers and Philip is my best friend! One of his counts is for me and my family! I knew everything Phil had done for me and my family. I agreed to allow him to take insurance policies out on me and my whole family. If he was paying for wouldnt you? Phil is the most honest person and most humble person I have ever known! So you people who like to just trash people and kick them when they are down need to grow up and clean up your own back yard before you go meddeling in someone elses!!!! This is a man who wasnt trying to be deceitful, he was trying to do a good job for the company we worked for.
  • by Anonymous Location: Winterville on Apr 24, 2009 at 05:10 PM
    Time to ban insurance!!!! It's a ticking time bomb. BAN IT!!! Got my vote!
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