An insurance agent in Germantown, Maryland, pled guilty to a scheme to submit fraudulent insurance applications using the identities of others to obtain over $630,000 of commission money. In 2011 the agent was licensed to sell insurance in Maryland and soon after began working for an insurance company. This company provided agents with advance commission payments of half of the total commission when a new application was submitted to the company. The agent admitted to electronically submitting over 3,100 fraudulent insurance applications under her name and license number and using the names and license numbers of other individuals in order to receive advance commissions. Over 1,400 applications for over 300 fictitious applicants and more than 1,700 applications for more than 350 real applicants were fraudulently filed. The real individuals were neither eligible for the policies, nor were they aware that any policies had been filed in their names.

The agent was either granted access, or stole access, to her family members' bank accounts in order to withdraw advance commission deposits that were made on the fraudulent policies submitted under the names of those family members in order to withdraw the payments before they realized the money had been deposited in their accounts. The agent is required to pay back the outrageous amount of $630,278.12, the amount of loss attributed to her during the conspiracy, and faces a maximum of twenty years in prison.