When must any person selling or offering to sell preneed insurance give a prior written notice to an individual disclosing, among other things, that the individual will receive a sales presentation?

• A. When the offer will take place in the home of a person age 65 or older
• B. When the offer will take place in the home of a person age 65 or younger
• C. When the offer will take place in the office of the seller to a person age 65 or younger
• D. When the offer will take place in the office of the seller to a person age 65 or older

Answer: (A)

In-home sales to seniors require a prior written notice. When a preneed insurance offering is presented in the home of someone who is 65 years or older, the seller must provide a written notice in advance stating that a sales presentation will occur. This protects older individuals from high-pressure in-home solicitation and ensures they know the meeting is a sales presentation and can consider their options. If the offer happens in an office or the person is younger than 65, that specific notice isn’t required by this rule. Hence, the correct scenario is an in-home sales presentation to a senior.