How to avoid life insurance scams

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Life insurance gives you piece of mind, but scammers want to take that away.

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Here are five common life insurance scams and how to avoid them.

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Number one: Requests for money or personal info. If someone contacts you and says there's a

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problem with your policy or a missed payment, don't give out any info.

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Instead, contact your insurer directly to find out more.

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Number two: fake beneficiary scam. Scammers may say you're owed money from a loved one's policy,

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but ask for a fee first. Don't pay.

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Call the insurance company to check. Number three: Phony policies.

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Some scammers create fake documents that look real.

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Always confirm the company is licensed through your state's insurance department before buying.

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Number four: Pressure to buy or switch policies. If someone pushes you to buy or switch coverage

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fast. Pause. It may help them more than you. Take your time.

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Ask questions. Get everything in writing. Number five: Dishonest advertised rates.

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If the price feels too low, it can be a trap. Scammers may lure you in,

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then switch to a more expensive plan. Know what you're getting before you agree.

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If you think you've been targeted, you're not alone.

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Report it to your state's consumer protection office,

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the Federal Trade Commission, or the National Insurance Crime Bureau.

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And let your bank or card issuer know too. Explore and get answers at www.trustage.com.