The mails, SMSes, tweets are all growing in number. The calls are getting more persistent and sometimes border on the aggressive. We are sitting on another huge insurance-linked scam, but this time it has crossed the line from mere very sharp mis-selling to downright fraud. If you’ve not got a call from a person pretending to be from the insurance regulator or an insurance company offering to either move you to another, more lucrative policy or to get you your bonus that was declared recently, you either live outside India or have managed to keep your number out of the dragnet of the hundreds of illegal call centres that carry out this fraud.