Tennessee Code Annotated

Tenn. Code Ann. § 56-53-102 (2026)

Fraudulent insurance act - Criminal violations

✓ current as of May 2026

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(a) Any person who, knowingly and with intent to defraud, and for the purpose of depriving another of property or for pecuniary gain, commits, participates in or aids, abets, or conspires to commit or solicits another person to commit, or intentionally permits its employees or its agents to commit any of the following acts, has committed a fraudulent insurance act:
- (1) Presents, causes to be presented, or prepares with knowledge or belief that it will be presented, by or on behalf of an insured, claimant or applicant to an insurer, insurance professional or premium finance company in connection with an insurance transaction or premium finance transaction, any information that contains false representations as to any material fact, or that withholds or conceals a material fact concerning any of the following:
  - (A) The application for, rating of, or renewal of, any insurance policy;
  - (B) A claim for payment or benefit pursuant to any insurance policy;
  - (C) Payments made in accordance with the terms of any insurance policy; or
  - (D) The application used in any premium finance transaction;
- (2) Presents, causes to be presented, or prepares with knowledge or belief that it will be presented, to or by an insurer, insurance professional or a premium finance company in connection with an insurance transaction or premium finance transaction, any information that contains false representations as to any material fact, or that withholds or conceals a material fact, concerning any of the following:
  - (A) The solicitation for sale of any insurance policy or purported insurance policy;
  - (B) An application for certificate of authority;
  - (C) The financial condition of any insurer; or
  - (D) The acquisition, formation, merger, affiliation or dissolution of any insurer;
- (3) Solicits or accepts new or renewal insurance risks by or for an insolvent insurer;
- (4) Removes the assets or records of assets, transactions and affairs or a material part of the assets or records, from the home office or other place of business of the insurer, or from the place of safekeeping of the insurer, or destroys or sequesters the same from the department; or
- (5) Diverts, misappropriates, converts or embezzles funds of an insurer, an insured, claimant or applicant for insurance in connection with:
  - (A) An insurance transaction;
  - (B) The conduct of business activities by an insurer or insurance professional; or
  - (C) The acquisition, formation, merger, affiliation or dissolution of any insurer.

(b) It shall be unlawful for any person to commit, or to attempt to commit, or aid, assist, abet or solicit another to commit, or to conspire to commit a fraudulent insurance act.

Acts 2001, ch. 356, § 3.

Notes of Decisions

Cited in 7 cases (6 in the last 5 years), 2008–2026 · leading case: UnitedHealthCare Servs., Inc. v. Team Health Holdings, Inc. (E.D. Tenn. 2022).

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UnitedHealthCare Servs., Inc. v. Team Health Holdings, Inc. (E.D. Tenn. 2022). · cites it 15× “In its Complaint, United alleges claims for: (1) common law fraud under Tennessee law; (2) common law negligent misrepresentation under Tennessee law; (3) fraudulent insurance acts under Tenn. Code Ann. § 56-53-102 ; (4) unlawful insurance acts under Tenn.”

UnitedHealthcare Servs., Inc., et al. v. Team Health Holdings, Inc., et al. (E.D. Tenn. 2025). · cites it 2× “Based on these allegations, United asserted claims against TeamHealth for fraud, negligent misrepresentation, violations of the Tenn. Code Ann. §§ 56-53-102 , 103, and 107, violations of the Tennessee Consumer Protection Act and other state consumer protection statutes, and…”

Phyllis T. Craighead v. Bluecross Blueshield Of Tennessee, Inc. (Tenn. Ct. App. 2008). · cites it 3× “By virtue of this act, it became a criminal violation to participate in a “fraudulent insurance act” as defined by Tenn. Code Ann. § 56-53-102 . Included with the definition of a “fraudulent insurance act,” among other things, is the following: (a) Any person who, knowingly and…”

UnitedHealthcare Servs., Inc., United Healthcare Ins. Co., & UMR, Inc. v. Team Health Holdings, Inc., Ameriteam Servs., LLC, & HCFS Health Care Fin. Servs., Inc. (E.D. Tenn. 2025). “§§ 56-53-102 , 103, and 107, violations of the Tennessee Consumer Protection Act and other state consumer protection statutes, and violations of the Racketeer Influenced and Corrupt Organizations Act (“RICO”), 18 U.”

UnitedHealthcare Servs., Inc., United Healthcare Ins. Co., & UMR, Inc. v. Team Health Holdings, Inc., Ameriteam Servs., LLC, & HCFS Health Care Fin. Servs., Inc. (E.D. Tenn. 2026). “§§ 56-53-102 , 103, and 107, violations of the Tennessee Consumer Protection Act and other state consumer protection statutes, and violations of the Racketeer Influenced and Corrupt Organizations Act (“RICO”), 18 U.”

— Tenn. Code Ann. § 56-53-102(b) — 1 case

UnitedHealthCare Servs., Inc. v. Team Health Holdings, Inc. (E.D. Tenn. 2022). “In its Complaint, United alleges claims for: (1) common law fraud under Tennessee law; (2) common law negligent misrepresentation under Tennessee law; (3) fraudulent insurance acts under Tenn. Code Ann. § 56-53-102 ; (4) unlawful insurance acts under Tenn.”

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