NASHVILLE – Before accepting any invitations about financial, retirement or estate planning, the Tennessee Department of Commerce and Insurance (TDCI) reminds consumers that many insurance and financial firms contact middle-aged and older adults or host free meal seminars with the goal of selling insurance or financial products or services. The invitations, written or verbal, may clearly state that nothing will be sold and only advice will be offered. However, there’s a chance the consumer will be encouraged to buy something either during or after the event or meeting. To protect themselves, TDCI encourages consumers to follow these suggestions: