also argued that an unethical behavior with large negative consequences would be more unacceptable to people. Those findings suggest that the insurance claim frauds with small negative consequences (e.g. when the claim amount that is proposed by the dishonest policyholder is small) are more likely to be accepted because people may believe that small frauds have smaller impacts on insurer and other policyholders. In sum, the consequences of customer insurance frauds imply that the overall harm would affect the insurer and other policyholders adversely. We expected that the frauds with large negative consequences could be seen as more unethical than those with a relatively small magnitude of consequences. Thus, in cases of small customer insurance frauds being perceived by the insurance salespeople, the insurance salespeople may feel more willing to tolerate those frauds