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Resource Links for Seniors

Senior Advisory

This advisory was prepared by the California Department of Insurance to help seniors to protect themselves from predatory insurance sales practices.

1. Never give out your name, address, telephone number to a salesperson at a sales presentation. Instead, take their business card and brochure and then call them if you are interested in more information about what they are selling.

2. Do not assume that because a presentation is being held at a senior center or religious institution that the senior center or religious institution recommends or endorses the speakers or their products. Space may just be rented out to them.

3. Never sign blank forms.

4. Do not sign an agreement, contract, or insurance application that you do not fully understand.

5. If an investment offer or insurance payout sounds too good to be true, it probably is. Trust your instincts.

6. Review any investment offer or insurance product with a family member or other trusted friend or advisor.

7. Be wary of any salesperson who befriends you and later on tries to convince you to move your money from one investment into a “more profitable” investment.

8. Skilled scam artists will try to prey on your “time fears.” Don’t ever sign anything without “sleeping on it” for at least 2 days.

9. Know who you are dealing with. Do not assume that every “insurance agent” is properly licensed. Contact the Department of Insurance to verify license status.

10. Know that you have rights! Contact the California Department of Insurance for question about any offer, scheme, or agent. Toll free telephone - 1-800-927-HELP (4357) or website www.insurance.ca.gov (click on “consumers” and scroll down to “Talk to us”).