A friend told me about a person who was posing as a life insurance rep to scam people of not only their money, but also to get their personal information. The rep claimed to offer them life insurance no exam required. Now keep in mind many companies offer this, so how would the average person know this is a scam? That's a hard one, but I think the best thing to do would be to get their rep ID number then call the company they claim to represent and see if they are actually a rep for their company. The way things are these days you can never be to sure. So before you sign any papers or give your money do some research and see if they are truly who they say they are! You have some really good scammers are there and if you are not careful you can get scammed by one of them.