Josh is joined by Forensic Accountant and Fraud Investigator Thomas Gober, who specializes in fraud investigations, forensic accounting, and consults primarily in the insurance, reinsurance and health care industries. Tom and Josh discuss Tom's work with the FBI and State Departments conducting investigations into the growing insolvency of life insurance companies. Many insurance companies have become beholden to investors rather than policy holders, and Tom talks about how to tell if your life insurance company is sound or at risk.