Insurance Fraud Glossary: AI and Deepfake Terms Explained

AI-powered insurance fraud has produced a dense vocabulary spanning computer science, digital forensics, and insurance operations. For claims professionals, SIU analysts, and technology leaders, understanding these terms is foundational to evaluating detection tools and communicating with technical teams.

This glossary defines 36 key terms relevant to AI-powered insurance fraud and deepfake detection, each with its specific insurance relevance.

A

Adversarial Attack

A deliberate manipulation of input data designed to cause an AI model to produce incorrect outputs. Adversarial attacks exploit mathematical weaknesses in a model’s decision boundaries, often through imperceptible modifications to images, audio, or text.

Insurance relevance: Fraudsters can apply adversarial perturbations to synthetic images or documents so that fraud-detection models misclassify them as genuine. This is why single-model detection approaches are inherently fragile—one successful adversarial technique can defeat the entire system.

B

Biometric Verification

The use of biological characteristics—fingerprints, facial geometry, voice patterns, iris scans—to confirm an individual’s identity.

Insurance relevance: Biometric verification at policy onboarding and claims submission deters identity-based fraud. However, deepfake technology increasingly targets biometric systems, requiring liveness detection and multi-factor approaches.

C

C2PA (Coalition for Content Provenance and Authenticity)

An open technical standard developed by Adobe, Microsoft, Intel, and others that embeds cryptographic provenance metadata into digital media at the point of capture or creation. C2PA records the origin, editing history, and chain of custody of an image, video, or document.

Insurance relevance: C2PA-signed media enables insurers to distinguish authenticated first-party captures from media of unknown origin. As device-manufacturer adoption grows, C2PA will become a key trust signal in claims assessment.

Claims Triage

The process of evaluating and prioritising incoming insurance claims based on complexity, risk, and required expertise. Triage determines whether a claim proceeds through automated processing or is escalated for manual review.

Insurance relevance: AI-enhanced triage systems can flag claims with indicators of synthetic media or document manipulation for SIU referral before payout. Effective triage is the first line of defense—it determines which claims receive forensic scrutiny and which do not.

Compression Artifacts

Distortions introduced when digital media is compressed using lossy algorithms (e.g., JPEG for images, H.264 for video). These appear as blockiness, color banding, or loss of fine detail.

Insurance relevance: Analysis of compression artifacts is a forensic technique for detecting manipulation. When an image is edited and re-saved, it undergoes double compression, leaving statistical signatures that differ from a single-compression original. However, sophisticated fraudsters can exploit compression to mask synthetic artifacts.

Content Provenance

The verifiable record of a piece of digital content’s origin, creation method, and modification history. Content provenance answers the question: “Where did this media come from, and has it been altered?”

Insurance relevance: Establishing content provenance is critical for claims involving photographic or video evidence. Media with verified provenance (e.g., captured on a C2PA-enabled device) carries higher evidentiary weight than media of unknown origin submitted via email or upload.

D

Deepfake

Synthetic media—typically video or audio—generated or manipulated using deep learning techniques to depict events that did not occur or to attribute actions or statements to individuals who did not perform them.

Insurance relevance: Deepfakes threaten insurance across multiple vectors: fabricated video evidence for liability claims, face-swapped identity documents, voice-cloned authorisations, and synthetic imagery for damage claims.

Diffusion Model

A class of generative AI model that creates images (or other data) by learning to reverse a gradual noising process. Starting from random noise, the model iteratively refines the output until it produces a coherent image. Stable Diffusion, DALL-E, and Midjourney are prominent examples.

Insurance relevance: Diffusion models have largely superseded GANs as the primary tool for generating photorealistic synthetic images. They produce fewer of the traditional GAN artifacts, making them harder to detect with older classification models and necessitating updated detection approaches.

Digital Forensics

The scientific analysis of digital media and data to determine authenticity, detect manipulation, and establish provenance. Techniques include pixel-level analysis, metadata examination, compression analysis, and statistical modeling.

Insurance relevance: Digital forensics is the technical discipline underpinning deepfake and document-fraud detection in claims. Forensic analysis produces evidence-grade findings that support SIU investigations, claim denials, and legal proceedings.

Document Forgery

The creation or alteration of documents—identity cards, medical reports, invoices, police reports, repair estimates—to support fraudulent claims or applications.

Insurance relevance: Generative AI has dramatically lowered the barrier to document forgery. LLMs produce convincing narrative text; image generators create realistic letterheads, stamps, and signatures. Multi-modal detection that analyses both visual and textual elements is now essential.

F

Face Swap

A deepfake technique that replaces one person’s face in an image or video with another person’s face, preserving the original head movements, expressions, and lighting.

Insurance relevance: Face swaps are used to create fraudulent identity documents, defeat facial-recognition checks during onboarding, or fabricate video evidence placing individuals at locations they never visited. Detection requires analysis of blending boundaries, skin-texture consistency, and temporal coherence.

First Notice of Loss (FNOL)

The initial report made by a policyholder to their insurer when a loss or incident occurs. FNOL triggers the claims process and typically includes basic details of the event, supporting media, and contact information.

Insurance relevance: FNOL is the earliest opportunity to screen for fraud indicators. AI-powered analysis of media and documents submitted at FNOL—before the claim progresses—maximises the chance of early detection and minimises investigation costs.

Forensic Report

A structured document produced by digital forensic analysis tools or human experts that details the findings of an authenticity assessment. Forensic reports typically include confidence scores, heatmaps of anomalous regions, and technical methodology descriptions.

Insurance relevance: Forensic reports provide the evidentiary basis for fraud referrals and claim denials. Automated forensic reports that are consistent, auditable, and explainable streamline SIU workflows and support regulatory compliance.

G

GAN (Generative Adversarial Network)

A machine learning architecture comprising two neural networks—a generator and a discriminator—trained in opposition. The generator creates synthetic data; the discriminator evaluates whether data is real or generated. Through iterative training, the generator produces increasingly convincing outputs.

Insurance relevance: GANs remain prevalent in fraud toolkits. While diffusion models have gained prominence, GAN-generated content continues to appear in insurance fraud, and detection models must cover both generation techniques.

Generative AI

A broad category of artificial intelligence systems capable of creating new content—text, images, audio, video, code—rather than simply analyzing or classifying existing data. Includes GANs, diffusion models, large language models, and variational autoencoders.

Insurance relevance: Generative AI is the enabling technology behind the current surge in synthetic-media fraud. It allows fraudsters to produce convincing fake evidence at scale and at negligible cost, fundamentally changing the economics of insurance fraud.

H

Heatmap

A visual overlay that highlights regions of an image or video where a detection model has identified anomalies or high-confidence indicators of manipulation. Typically uses color gradients (e.g., blue for low suspicion, red for high suspicion).

Insurance relevance: Heatmaps make AI detection outputs interpretable for human reviewers. An SIU analyst can quickly see where in an image the model detected manipulation, enabling faster, more informed investigation decisions without requiring deep technical expertise.

I

Identity Verification

The process of confirming that an individual is who they claim to be, typically through document checks, biometric matching, knowledge-based questions, or multi-factor authentication.

Insurance relevance: Identity verification at policy inception and claims submission prevents synthetic-identity fraud and impersonation. AI-powered verification must now contend with AI-generated identity documents, deepfake face swaps, and voice clones.

Injection Attack

In the context of biometric and media verification, an injection attack bypasses the capture device entirely by injecting pre-recorded or synthetic media directly into the verification data stream. Rather than presenting a fake to a camera, the attacker feeds synthetic data into the software pipeline.

Insurance relevance: Injection attacks defeat presentation-attack detection (which assumes media comes from a live camera feed). Insurers using video-based identity verification or damage assessment must implement injection-attack detection alongside liveness checks.

K

KYC (Know Your Customer)

Regulatory and industry requirements for verifying the identity and assessing the risk profile of customers before establishing a business relationship. KYC processes typically involve identity document verification, address confirmation, and screening against sanctions lists.

Insurance relevance: KYC is a critical fraud-prevention checkpoint at policy onboarding. AI-generated identity documents and synthetic identities increasingly target KYC processes, requiring insurers to augment traditional document checks with deepfake detection and liveness verification.

L

Liveness Detection

A biometric security measure that determines whether a biometric sample (face, fingerprint, voice) originates from a live human being present at the time of capture, rather than a photograph, video replay, mask, or synthetic rendering.

Insurance relevance: Essential for remote identity verification in digital insurance. Without it, face-swap deepfakes and presentation attacks can defeat facial-recognition systems. Modern implementations analyze micro-movements, depth, and physiological signals.

M

Media Authentication

The process of verifying that a piece of digital media (image, video, audio, document) is genuine, unaltered, and attributable to a claimed source. Media authentication encompasses forensic analysis, provenance verification, and metadata validation.

Insurance relevance: Media authentication is the core technical capability needed to counter synthetic-media fraud in insurance claims. Every image, video, or document submitted as claims evidence is a candidate for authentication analysis.

Metadata Analysis

Examination of the non-content data embedded within digital files—EXIF data in photographs (camera model, GPS coordinates, timestamp), document properties (author, creation software, revision history), and file-system attributes.

Insurance relevance: Metadata inconsistencies can reveal manipulation: a photo claiming to be taken on-site but lacking GPS data, or a document with creation timestamps that predate the claimed incident. However, metadata is easily spoofed, so it must be combined with content-level analysis.

Multi-Layer Detection

A detection architecture that analyses claims media and data across multiple independent dimensions—pixel-level forensics, semantic consistency, metadata validation, provenance verification, and behavioral analytics—to identify fraud.

Insurance relevance: Multi-layer detection is industry best practice because no single technique is robust against all evasion methods. Layered approaches force attackers to simultaneously defeat multiple independent mechanisms, exponentially increasing the difficulty of successful fraud.

N

Neural Network

A computational architecture inspired by biological neural systems, consisting of interconnected layers of nodes (neurons) that process information. Neural networks are the foundation of modern AI, including both generative models (used to create deepfakes) and discriminative models (used to detect them).

Insurance relevance: Conceptual understanding of neural networks helps insurance professionals evaluate detection vendors, interpret model outputs, and appreciate the capabilities and limitations of AI-powered fraud detection.

O

OCR (Optical Character Recognition)

Technology that converts images of text—scanned documents, photographs of forms, screenshots—into machine-readable text data.

Insurance relevance: OCR enables automated extraction and analysis of text from claims documents, invoices, and medical reports. In fraud detection, OCR output can be cross-referenced against known templates, checked for linguistic anomalies indicative of AI-generated text, and validated against external data sources.

P

Pixel Analysis

The examination of individual pixels and pixel patterns within an image to detect statistical anomalies indicative of manipulation or synthetic generation. Techniques include noise-pattern analysis, error-level analysis (ELA), and frequency-domain analysis.

Insurance relevance: Pixel analysis detects manipulation signatures invisible to the human eye—inconsistent noise distributions, re-compression artifacts, and generation-model fingerprints. It is a foundational layer in multi-layer detection architectures.

Presentation Attack

An attempt to defeat a biometric system by presenting a fake biometric sample to the sensor—a printed photograph held before a camera, a recorded voice played to a microphone, or a silicone fingerprint mould placed on a scanner.

Insurance relevance: Presentation attacks target identity-verification steps in digital insurance processes. Unlike injection attacks (which bypass the sensor), presentation attacks exploit the sensor’s inability to distinguish live biometrics from physical replicas. Liveness detection is the primary countermeasure.

Production Accuracy

The real-world performance of a detection model measured on live operational data, as opposed to accuracy measured on curated test datasets. Production accuracy accounts for the diversity, quality variability, and adversarial nature of real claims submissions.

Insurance relevance: A model with 99% benchmark accuracy may perform significantly worse in production due to distribution shift and novel attack techniques. Insurers should evaluate detection solutions on production accuracy, not benchmark scores alone.

S

Special Investigation Unit (SIU)

A dedicated team within an insurance organization responsible for investigating suspected fraudulent claims. SIUs combine forensic expertise, data analytics, and legal knowledge to assess, investigate, and resolve fraud cases.

Insurance relevance: SIUs are the human decision-makers in the fraud-detection pipeline. AI-powered detection tools augment SIU capacity by automating initial screening, generating forensic reports, and prioritising referrals—allowing investigators to focus on complex cases requiring human judgment.

Synthetic Identity

A fabricated identity constructed by combining real and fictitious personal information—often a genuine tax file number with a fake name, date of birth, and address. Synthetic identities are created to open fraudulent accounts or policies.

Insurance relevance: Synthetic-identity fraud is a growing threat in personal lines. Unlike traditional identity theft, synthetic identities have no real victim to raise an alert. AI-generated documents and deepfake biometrics make them increasingly convincing.

Synthetic Media

Any digital content—images, video, audio, text—that has been created or substantially modified using AI or machine learning techniques. Synthetic media encompasses deepfakes, AI-generated images, voice clones, and machine-generated text.

Insurance relevance: Synthetic media is the umbrella category for the AI-generated fraudulent evidence that threatens insurance claims processes. Detection of synthetic media across all modalities (visual, audio, textual, documentary) is the central technical challenge in modern fraud prevention.

T

Tamper Detection

The identification of unauthorised modifications to digital media or documents after their original creation. Tamper detection analyses content for signs of editing, splicing, cloning, or other post-creation alterations.

Insurance relevance: Tamper detection catches a different fraud vector than deepfake detection. While deepfakes are generated from scratch, tampered media starts as genuine content that has been selectively altered—for example, editing a date on a genuine invoice or splicing additional damage into a real photograph.

Text-to-Image

A generative AI capability that creates images from natural-language text descriptions (prompts). Prominent text-to-image models include Stable Diffusion, DALL-E, and Midjourney.

Insurance relevance: Text-to-image models enable fraudsters to generate photorealistic claims evidence from written descriptions—“a silver Toyota Camry with severe hail damage to the bonnet and roof, parked in a suburban driveway.” The resulting images can be highly convincing and tailored to specific claim narratives.

Text-to-Speech (TTS)

AI technology that converts written text into spoken audio, often with the ability to mimic specific vocal characteristics, accents, and emotional tones.

Insurance relevance: Advanced TTS systems produce speech that is difficult to distinguish from genuine human voice recordings. In insurance, this enables fabricated recorded statements, fraudulent voice authorisations, and impersonation during phone-based claims processes.

V

Voice Cloning

The use of AI to create a synthetic replica of a specific person’s voice from a sample of their speech—sometimes as little as a few seconds of audio. The cloned voice can then speak any text with the original speaker’s vocal characteristics.

Insurance relevance: Enables impersonation of policyholders or authorized representatives during phone-based interactions—authorising fraudulent claims, changing policy details, or providing false recorded statements. Voice-biometric systems without anti-spoofing measures are vulnerable.

W

Watermark Detection

The identification of digital watermarks—visible or invisible markers embedded in media to indicate provenance, ownership, or AI-generation status. Some generative AI platforms embed imperceptible watermarks in their outputs (e.g., Google’s SynthID).

Insurance relevance: Detecting AI-generation watermarks in submitted claims media provides a strong signal of synthetic origin. However, watermarks can be removed or degraded through re-encoding, so watermark detection is a useful but insufficient standalone detection method—it works best as one layer in a multi-layer approach.

Putting It All Together

These terms describe the technologies reshaping insurance fraud and its detection. For insurance professionals, fluency in this vocabulary is essential for evaluating detection solutions, communicating with technical teams, and making informed strategic decisions about fraud-prevention investment.

The threat landscape is evolving rapidly. Your understanding of it should evolve at the same pace.

Deetech’s deepfake detection platform is built for insurance, covering the full spectrum of synthetic media and document fraud. Learn how it works →

To learn how deetech helps insurers detect deepfake fraud with purpose-built AI detection, visit our solutions page or request a demo.

A