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Every insurance policy has five parts to it - declarations, insuring agreements, definitions, conditions, exclusions, and many times, a sixth part called endorsements. But one of the most important parts is the exclusions area. An exclusion is any loss or damage that isn't covered by your insurance policy (in other words, items that you cannot file a claim for).

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With the fast advancement of today's technology, scams are on the rise more than ever. In addition, the major target of scams are seniors. Between unsolicited phone calls, mail, emails and text messages, seniors are being hit with all types of scams and questionable offers. And many of these include offers relating to various insurance programs, such as mortgage insurance, disability, long-term insurance, term-life, permanent life, burial insurance, and probably the most popular, medicare supplemental programs. Now not all of these forms of insurance are necessarily a "scam," but they may just not be right for every senior.

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