Premier Insurance Advisers

I was taking my annual AML class, and these are some things I need to share with you.....

How to Spot a Scam Before It Costs You

Scammers are getting smarter — but there are still red flags you can watch for. Here are some quick ways to protect yourself and your money:

They pressure you to act FAST
“Limited time!” “Your account will be closed!” Scammers want panic, not questions.

They ask for unusual payment methods
Gift cards, wire transfers, crypto, or payment apps are major warning signs.

Too good to be true? It usually is
Huge prizes, guaranteed returns, or “free” offers often come with a catch.

They ask for personal information
Never give out passwords, Social Security numbers, or banking info unless YOU initiated the contact.

Poor spelling or suspicious links
Fake emails and texts often contain odd grammar or links that don’t match the real company website.

Protect Yourself:
Verify before you trust
Call companies directly using official numbers
Don’t click suspicious links
When in doubt, pause and research

Have you or someone you know ever received a scam call or message? Share the biggest red flag you noticed below.

Do you have a salesman or an adviser for your insurance agent? The main difference is goal and approach....

alesman

A salesperson’s primary job is to sell a product or policy.

They often:
Focus on closing a sale
Talk about features and price
May represent one company only
Earn money mainly through commissions

Example: An insurance salesperson may encourage you to buy a specific auto or life policy quickly.

Adviser

An adviser’s role is more about guidance and planning.

They often:
Help analyze your needs
Explain risks, coverage gaps, and options
Compare multiple policies or strategies
Focus more on long-term protection than just the sale

An insurance adviser might ask:
How many people depend on your income?
What assets are you protecting?
What deductible can you comfortably afford?

A good insurance professional should:
Explain things clearly
Recommend appropriate coverage
Be transparent about costs and commissions
Not pressure you into buying immediately

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