What term describes the situation where a private investigator contacts an insurance applicant under false pretenses?

The term that accurately describes the situation where a private investigator contacts an insurance applicant under false pretenses is a pretext interview. This method involves the investigator using deceptive tactics to gather information about the individual without revealing their true identity or purpose. Pretext interviews are often employed in various settings, including insurance investigations, to uncover details that the individual may not disclose willingly.

In the context of insurance, an investigator might pose as someone else to elicit information that could indicate potential fraud or assess the legitimacy of an insurance claim. This practice is controversial but sometimes necessary for thorough investigations. Understanding this term and its implications is essential for anyone studying or working in the insurance field, as it raises important ethical and legal considerations regarding privacy and deception.