Scammer Creates Fake Insurance Policy Document to Gain Trust
A fraudster impersonating a UnionPay employee called an elderly woman in her 80s, and after obtaining her personal information, immediately printed a fake insurance policy and sent her photos of it.
The elderly woman believed it was genuine and was preparing to leave home the next day when her husband stopped her and reported the incident to the police.
Mr. Xu (name transliterated from Mandarin), 80, said in an interview that his wife received a call last Monday, 28 Apr 2025, from a man with a local accent.
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The caller claimed she had bought an insurance policy from UnionPay, and since the one-month free period had ended, they needed to start deducting $900 monthly for 24 months.
He revealed that his wife repeatedly denied buying any insurance, but the caller insisted she had. The scammer then asked for her personal information to help cancel the policy if she hadn’t bought it.
“My wife asked why she needed to cancel something she never bought. The caller kept asking for her information to confirm, and another person claiming to be from the Monetary Authority of Singapore joined the call, saying they were just trying to help solve her problem,” Mr. Xu explained.
When his wife threatened to call the police, the scammers quickly reassured her they were only helping. After persistent persuasion, she gave them her English name, phone number, and identification number.
80-Year-Old Man Saves Wife from Scam Thanks to News Knowledge
Mr. Xu said that after receiving his wife’s information, the scammers created a fake policy document with her details within 15 minutes. They sent it to her via WhatsApp as proof and asked her to stay in contact with them the next day.
He added that he wasn’t aware of the situation until around 8:00 AM the following morning when his wife mentioned she needed to go out to meet someone and told him about the call.
He instantly recognised it as a scam, stopped her from leaving, advised her to cut contact with the scammers, and reported the incident to the police immediately. Police confirmed they received the report.
The scammers demanded that the elderly woman maintain constant contact and even threatened to take her to the Monetary Authority of Singapore for a 45-day investigation after she stopped communicating with them.
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Mr. Xu noted that after his wife broke contact, the scammers continued to send messages asking why she hadn’t contacted them after waking up. They later threatened to treat her case as evading investigation if she didn’t respond.
“The scammers even threatened in their messages that if she didn’t reply before noon, they would take her to the Monetary Authority of Singapore for a 45-day investigation,” he said.
Mr. Xu mentioned that despite only having a primary school education, he reads the news every day, which has taught him much about preventing scams. He never thought his wife would fall victim to a scam, but was glad he stopped her in time.
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