Which of the following actions would likely result in an insurance fraud accusation?

Providing a false address on an application can lead to an insurance fraud accusation because it constitutes an intentional misrepresentation of material information. Insurance companies rely on accurate information to assess risk and establish premiums. When an applicant provides false information, such as a non-existent or incorrect address, it undermines the integrity of the underwriting process. This can lead to claims being denied or policies being rescinded if the insurer discovers the misrepresentation, as it may indicate a pattern of deceit or a willingness to manipulate information for financial gain.

In contrast, disclosing the correct premium amounts, taking an ethics course, and offering a valid discount demonstrate transparency and compliance with ethical standards in the industry, which do not pose any risk of fraud. Therefore, the incorrect actions outlined in the other choices are aligned with ethical practices rather than fraudulent behavior.