Pressure Is a Warning Sign
Scammers often use urgency. They may claim a debt must be paid immediately, a benefit will disappear, or a loved one will be embarrassed if you do not act. Legitimate planning should give you time to read, compare, and talk with someone you trust.
Be especially careful with unsolicited calls after an obituary is published or after a family loss.
Use a Trusted Contact
The CFPB encourages older adults to plan for financial security and protect against fraud. A trusted contact can help you pause before sending money, changing beneficiaries, or giving personal information to someone who called unexpectedly.
A real agent should be willing to explain the policy, send documents, and let you ask questions.
Red Flags
- Urgency — You are told you must pay today.
- Secrecy — You are told not to tell family.
- Gift cards or wires — You are asked for unusual payment methods.
- Vague company — The caller will not provide clear company and license information.
- Fear — The pitch focuses on panic instead of clear facts.
Scam Prevention Questions
Should I answer insurance calls from unknown numbers?
Be cautious. Ask for company information and call back through a verified number.
Can I bring a family member into the conversation?
Yes. A legitimate agent should not object.
What if I already gave information?
Contact your bank, trusted family member, and appropriate reporting agencies quickly.
Get a Number That Fits Your Family
Howe Insurance Services has helped families compare easy issue life insurance since 1981. A licensed agent can help you review benefit amounts, waiting periods, and monthly cost in a free over-the-phone consultation.
Sources: Federal Trade Commission - scams against older adults · Consumer Financial Protection Bureau - protecting older adults from fraud · Federal Trade Commission - The FTC Funeral Rule