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Alan operated a car rental company and had insured all his cars with Bryan, a manager of a bank's insurance department. Without the bank’s approval, Bryan bought an “old” car from Alan at a low price.

Bryan is interested but unfortunately is short of cash. Alan suggests that Bryan may pay for it by monthly interest-free installments at a special price. Bryan feels uneasy about accepting the offer. However, he changes his mind as he thinks the offer does not create any obligation to Alan.

Dr J is a general practitioner in private practice.   On one occasion, his friend Tony, an insurance agent, suggested to him a plan for earning quick money.   The Personal Accident Insurance Policy (PAI) offered by his company would provide insurance compensation for an injury caused by an accident resulting in death, permanent or temporary disability to an insured.   All claims under the PAI had to be supported by a form issued and signed by a registered doctor in Hong Kong.   Tony knew many construction workers and, as a first step, he  would  suggest  to  them  to  buy  PAI  policies  from  him.    These individuals would make claims later, even though they just suffered from minor injuries.   What Dr J could help was to exaggerate the seriousness of the injuries when filling in the worker's claim forms as the attendant doctor, thus resulting in higher compensation payments.   The “profit” could then be split among all parties.