(Salem, OR) -- Authorities are warning residents about a fraud ring that's targeting people with offers of real-life insurance policies. The victim receives a telemarketing call to get basic personal information. That's forwarded to a real insurance agent who's working with the ring. They call to complete the application, which is made without the victim's consent or knowledge. They often submit applications for multiple policies. The agent gets a commission before the policy is issued. The fraud is discovered when a bill for the first premium arrives. The Oregon Division of Financial Regulation recommends not giving information to anyone you don't know.