Insurance fraud can include which of the following actions?

Insurance fraud encompasses a range of deceptive practices aimed at obtaining benefits or coverage that one is not entitled to receive. Falsely reporting income on an application is a clear example of this type of fraud, as it involves intentionally misrepresenting personal financial information to secure a policy or obtain a higher coverage amount, which can lead to inflated claims or premiums based on inaccurate data.

This act undermines the integrity of the insurance system, as it distorts the risk assessment that insurers engage in when pricing policies or evaluating claims. By manipulating their reported income, an individual may not only gain unauthorized benefits but can also cause a financial strain on the insurance provider, ultimately affecting all policyholders.

The other options do not involve fraudulent actions. Accurate representation of coverage details and submitting legitimate claims are fundamental to the ethical operation of insurance. Changing beneficiaries after a loss is normally permissible within the parameters of policy agreements and does not constitute fraud in itself.