Information you need to know to protect yourself in any insurance transaction:

• Check to be sure your agent is licensed to sell insurance in California.
• Don't let your agent rush you into a decision.  Take your time and understand.
• Don't let your sales agent "fill in the blanks" later.
• Avoid signing any contracts or agreements without reading the fine print.  If you don't understand the language, don't sign until it's explained.
• It is O.K. to ask the tough questions:  Would you be willing to explain your proposal to my Attorney, Accountant, Financial Advisor or my other friend in insurance?
• Don't be a victim by being nice.  Con artists take advantage of good people like you and take advantage of your good manners.  You are under no obligation to talk to them.
• If you are uncomfortable during the transaction for the purchase of insurance for any reason…STOP….
• Avoid paying with cash.
• Always obtain a receipt for monies paid.
• Get a copy of every form you sign!
• If you have purchased insurance, you will always receive a policy. 
• A certificate of insurance always identifies the legal name of the insurance company.
• Beware of canceling an existing life insurance policy or an annuity for a "better one".
• If you are under 65 years of age, you get a 10-Day Free Look and if you are 65 and older, you get a 30-Day Free Look on life insurance products. Take advantage of it!  Have family members or others that you trust examine it with you.
• It is O.K. to call your insurance company and verify your policy is in force.
• Remember, the California Department of Insurance is a Consumer Protection Agency. We are here to help.