MONROVIA – Financial Crimes investigators are probing executives of the Activa International Insurance company over alleged medicare advantage billing fraud, specifically questionable diagnoses used to trigger higher payment, and posting of criminal appearance bond, according to people familiar with the matter.
The criminal investigation, which is being led by the Economic Crime Section, Financial Crimes Investigation Division of the Liberia National Police (LNP), centers on Activa and their business activities, the source said.
Activa International Insurance Group is a Pan-African insurer authorised by the Central Bank of Liberia to write both Life and General business.
Activa is the originator of the Globus Network. The Globus Network, which is the largest of its kind in Africa, is a grouping of 48 well-positioned and dynamic insurance companies in 48 Africa countries which enables multinational and global clients to enjoy expert and word-class insurance services and coverage with geographical presence across Anglophone, Francophone and Lusophone Africa.
It can be recalled that in 2023, Western Cluster and Citadel Mining Services both were sued in connection to an equipment lease agreement entered into between Hans Armstrong, a British investor and Citadel Armstrong, in the lawsuit, Action of Debt by Attachment, sought the amount of US$378, 000 as balance rented due and unpaid on the equipment contract.
But hell broke loose, in July 2025, when the courtโs judgment held Citadel liable in the judgment amount of US$430,920 inclusive of interest prescribed by law to Armstrong. A payment order was issued mandating Citadel Mining Services to pay the judgement’s money.
But, the sheriffโs return shows that Citadel Mining Service’s head office in Monrovia and operation site in Bomi County had been closed without knowing the whereabouts of the defendant’s management to satisfy the judgment rendered against it.
Based on the sheriffโs report, Armstrong’s lawyers filed with the court an application holding the surety liable for the judgment amount in keeping with the law, which request was granted by Judge James E. Jones. Judge Jones’ enforcement order was stalled, after Activa filed with the court a bill of information
Activa claimed that the said indemnity bond was never authorized by it, as a corporate entity considered with the scope of activities and operational modalities nor did it receive any consideration there under, nor notified or received any benefits therefrom.
According to the company, the said bond was obtained fraudulently and cannot be said to constitute an act of Activa as a corporate entity for which the corporation can be bound.
They also argued that the person who allegedly signed the indemnity bond on behalf of Activa Mr. Tom W. Collie acted unilaterally and ultra vires as he was not authorized to issue such a bond and didn’t obtain any prior approval and couldn’t have received or obtained any such approval to issue such indemnity bond.
Mr. Collin served as Senior Underwriter General Business of the Activa International Insurances Company.
But the company is arguing that it is not within the scope or the authority and duties of his office as Senior Underwriter.
“It is the chief executive officer alone who has the power to commit Activa in this matter, but that the CEO didn’t authorize, nor does he know of any such bond as evidenced by the lack of his signatures”, they argue.
According to them, Activa particularly received no consideration under this fraudulent conduct, nor did it ratify the said fraudulent conduct, nor did it receive any benefits there under, the bond is not and cannot be binding on it.
However, document obtained by the investigators established that Western Cluster paid the amount of US$40,000 secure the bond from Activa. Investigation continues with the possibility of It couldnโt be determined when the inquiry began or if it would result in any charges.
