A state is warning insurers and insurance producers to take care when using professional designations and titles.

The Wisconsin Office of the Insurance Commissioner has put out a bulletin discussing Wisconsin regulators’ views of use of designations in life insurance and annuity marketing programs that target older consumers.

“The use of titles, with words such as ‘certified,’ ‘accredited,’ ‘retirement planner,’ ‘senior advisor’ or ‘senior consultant,’ implies special training or education for selling specialized products to seniors,” Wisconsin Insurance Commissioner Sean Dilweg writes in the bulletin.

Under Wisconsin law, use of designations in life insurance and annuities advertising is considered to be part of the advertising of the product, Dilweg writes.

Producers who advertise that they hold special expertise must be able to document that expertise, Dilweg writes.

Dilweg gives a partial list of the designations recognized by Wisconsin insurance regulators.

The list includes the following designations: Certification in Long-Term Care, Certified Employee Benefit Specialist, Certified Financial Planner, Chartered Financial Consultant, Chartered Life Underwriter, Fellow of the Life Management Institute, Fraternal Insurance Counselor, Health Insurance Associate, Life Underwriter Training Council Fellow, Registered Employee Benefits Counselor and Registered Health Underwriter.