From Saturday Morning Breakfast Comics.
Selling people insurance with no intent to pay claims is fraudulent. But, what if, instead, you formed an insurance company that paid claims in every case where the insurance company couldn't prove that it was a hoax (essentially the premise of a contemporary fantasy Downside Ghosts series by Stacia Kane).
One could set rates simply from actuarial experience and if one was interested in locating potential paranormal events, what better way to do so than to use the device of people making claims on the paranormal insurance coverage. Even if the business operated at a loss, the anthropological or metaphysical research payoff (depending upon what the research investigating claims revealed) might very well be a small cost to subsidize in order to secure the research tool.
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