The National Association of Insurance Commissioners has started a public education program for consumers.

The program, Insure U, includes public service announcements to warn consumers about fake insurance companies and a Web site that talks about consumers’ need for different types of insurance products at different life stages.

The PSAs, which come in English and Spanish versions, advise consumers to call state insurance regulators to verify whether they are talking to real insurers.

The Insure U Web site, at Document Link, covers automobile insurance, homeowners insurance, life insurance and health insurance as well as the needs of young singles, young families, established families and “empty nesters.”

Officials at the NAIC, Kansas City, Mo., say consumer education is urgently needed, citing a survey that found that 18% of young singles said they would turn down employer-sponsored health insurance to save money.