Fraud losses have been an obstacle for the insurance industry since its establishment. To help detect and deter it, there is now a frequency-based technology that determines veracity by analyzing brain activity conveyed through the voice, not through physiological response (i.e. computer voice stress analyzer, polygraph machines). In England and the U.S. alike, this technology — referred to as layered voice analysis — has been a very useful tool in pinpointing, investigating, and resolving fraudulent claims in the insurance industry. As an investigative focus tool, it has also been a success in U.S. law enforcement, corrections, and federal government agencies.

Through its use as an investigative focus tool, layered voice analysis assists investigations by guiding users toward the development of effective lines of questioning. It gives the user the ability to determine, in real time, the subject's state of mind and emotional status. Throughout the interview, variables reflected in the subject's voice — such as stress levels, cognitive processes, and emotional reactions — are identified. Investigators can often use these variables to decide on topics to further explore, many times forming lines of questioning that result in confessions. Layered voice analysis has had success in many types of investigations, including special investigations unit interrogations, criminal investigations, gang investigations, military intelligence, and internal investigations.

Appropriate Application