There are around 150 million Americans on the Do Not Call list. That has really frustrated insurance salespeople who would like to rip off a lot of old folks they're now forbidden to contact. So some marketing companies have come up with lead-generating programs to break the Do Not Call barrier. Here's how they work: The marketing company mails a postcard to a senior telling him or her that there's a problem with their Medicare or Social Security benefits. Some postcards even have the AARP logo or official government addresses on them to suggest credibility. When someone responds to the postcard, they're exempting themselves from the Do Not Call list. Insurance companies then pay big money to the marketing companies for the rights to get those numbers and set up appointments to pitch elders on bad investments.

The Wall Street Journal reports that in one instance, an 83-year-old man fell for this rip-off tactic and was sold nearly $180,000 in annuities that wouldn't mature until he was 90. The salesperson made a commission of around $20,000. Some of the companies that have been involved in these postcard scams include ChoicePoint, American Family Prepaid Legal Corporation, Aviva PLC and many others. In fact, AARP won an injunction against ChoicePoint for using their logo. So if you are a senior or if you have elderly parents, know that these phony postcards are being used to con elders out of their hard-earned money. Clark thinks the real solution here would be to criminalize the sale of variable annuities to people over a certain age.