No one wants to think about death, but the reality is that we are all not meant to live on earth for eternity.

And the tragic part would be if you have dependents that might be left with little or nothing should you as a parent pass on, which is why people take out life insurance defined as insurance that pays out a sum of money either on the death of the insured person or after a set period.

The policy holders buy insurance cover from an insurance company, and pay specific periodic amounts (premiums) for the term (duration or life) of the policy.

The insurance company provides a lump-sum payment, known as a death benefit, to beneficiaries upon the insured’s death to substitute for the insured’s income if he or she dies

If the insured survives the term then, depending on the type of the policy, he or she may receive the full or a part of the face amount of the policy.

In most instances some people have resorted to forging death documentation or engage in ghosting, which is the assumption of the identity of a deceased person in order to collect on life insurance policies.

It’s a form of identity theft, a white collar crime where people illegally obtain your identity book; this can result from theft, loss and once in a criminal’s possession, a simple picture change is all that is needed to claim benefits in one’s name.

In order to curb the problem in South Africa government had since introduced the Smart ID Card, which uses sophisticated and secure technology systems to manage identity in the country. The information on the chip is laser-engraved to prevent tampering.

The benefit of Smart ID Card is the increased security to individuals against their identity being used for fraudulent activities.