About 2006, Frank started exaggerating the size of his company to obtain ever-bigger loans, culminating in a $30 million loan from Prudential Insurance Co. of America at the end of 2014. In an effort in 2017 to refinance the Prudential loan with one as large as $80 million, including a $15 million payout for himself, Frank claimed $378 million in revenue, $42 million in profit, and 3 million enrollees in legal coverage plans, according to a March 2018 FBI affidavit.