Fraud Prevention Tips: Protect yourself from fraud and scams by verifying that the person you are speaking with is a member of the Coastal Insurance team. Keep personally identifiable information confidential, monitor your accounts regularly, and only do business with trusted vendors. Use common sense and be cautious of urgency tactics. Scammers often pressure you to act immediately. If you believe you have been a target of fraud or misrepresentation, contact your home state's Department of Insurance Fraud, Waste, and Abuse hotline or report the incident to your local authorities.

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How often should I review my life insurance policy?

You should review all of your insurance needs at least once a year. If you have a major life change, you should contact your insurance agent or company representative. The change in your life may have a significant impact on your insurance needs. Life changes may include:

Marriage or divorce
A child or grandchild who is born or adopted
Significant changes in your health or that of your spouse/domestic partner
Taking on the financial responsibility of an aging parent
Purchasing a new home
A loved one who requires long-term care
Refinancing your home
Coming into an inheritance

Source: Insurance Information Institute www.iii.org

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