Alive & Well Checks

Alive & Well Checks for Insurance Carriers

Alive & Well Checks are conducted to verify a subject’s health status, functional capacity, lifestyle, residency, employment, and benefit eligibility. These investigations are routinely requested by insurance carriers, SIU units, third-party administrators, self-insured entities, and defense counsel to support claims validation, benefit continuation decisions, and fraud mitigation.

The Global Intelligence Bureau provides professional Alive & Well Checks throughout New York, New Jersey, and Florida, as well as nationwide and internationally. All investigations are conducted by licensed private investigators in strict compliance with legal, ethical, and evidentiary standards required by the insurance industry.

Purpose of an Alive & Well Check

Insurance-focused Alive & Well Checks are commonly utilized to:

Confirm continued eligibility for disability, pension, or survivor benefits

Verify reported medical condition and functional limitations

Confirm employment, income-producing activity, or capacity to work

Verify residency, cohabitation, or living arrangements

Support SIU reviews and fraud prevention efforts

Overt and Covert Investigations

We conduct civil Alive & Well Checks using either overt or covert methodologies, based on carrier objectives and investigative requirements. Our investigators proceed strictly according to client instruction, jurisdictional law, and claim-specific protocols.

Covert Alive & Well Checks & Surveillance Integration

When covert verification is required, we deploy a dedicated surveillance team comprised exclusively of investigators with a minimum of nine years of professional surveillance experience. This capability allows us to integrate activity verification, behavioral observation, and functional assessment into a single, cohesive investigative product.

Our Alive & Well Checks are frequently combined with:

Pre-surveillance activity checks

Residency and occupancy verification

Employment and routine confirmation

Behavioral and lifestyle assessment

International & Out-of-State Verification

With vetted investigative partners in more than 100 countries, The Global Intelligence Bureau provides international Alive & Well Checks for claimants residing outside the carrier’s home jurisdiction. All international assignments are coordinated to ensure consistent reporting standards, lawful execution, and verifiable results.

Verification Elements Commonly Confirmed

When lawfully permissible, Alive & Well Checks may document and verify:

Positive subject identification

Date of birth confirmation

Current residential address

Employment or income-producing activity

Daily functional capability and mobility

Medical provider identification

Reported vs. observed health condition

Benefit receipt and activity indicators

Observable medications or treatment indicators

Widow / Widower & Survivor Benefit Verification

We also conduct widow and widower verification investigations to determine current marital status, cohabitation, and benefit eligibility. These checks are frequently requested in connection with survivor benefits, pensions, and annuity payments and may be conducted overtly or covertly based on carrier requirements.

Reporting & Cost Structure

All Alive & Well Checks are supported by clear, objective, and defensible reporting suitable for claims handling, SIU review, litigation support, or regulatory audit. Upon case review, we provide carriers with a flat, all-inclusive fee covering the full scope of work—no hidden costs, add-ons, or unexpected expenses.

Service Areas

We provide insurance Alive & Well Checks and verification services throughout:

New York

New Jersey

Florida

Nationwide across the United States

Internationally through a vetted global network

If your organization requires Alive & Well Checks, benefit eligibility verification, or insurance-focused activity checks in NY, NJ, FL, nationwide, or internationally, contact The Global Intelligence Bureau for a confidential carrier consultation.