Dear Insurance Adviser,
My mother passed away in 2005. She had a will, and as far as I know all her assets were settled.

But a company keeps calling to tell me that my mother had some type of insurance that was left to her grandchildren. To get the money, all I have to do is agree to let them charge me 35 percent off the top as a life insurance fee. They call me and they send me forms to fill out. But I don’t know if this is for real, and they won’t tell me where the money is. Please help.
— Jill

Dear Jill,
This is a complete scam! There is no insurance product that requires you to make an upfront payment of 35 percent of the proceeds before any money is released to you.

I urge you to file a complaint with your state attorney general’s office. This is a serious crime and needs to be stopped.

The insurance industry offers products that help people get back on their feet again following a serious event, such as disability, a major medical issue, major lawsuit, home destruction or death. As an agent, I watch the premiums going into the bucket and the claim checks going out. When criminals perpetrate a fraud on consumers like you, such as by floating this sort of life insurance fee, not only is it a scam but it adds a black mark undeservedly to the insurance industry as a whole.

Good luck!

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