Older adults are disproportionately vulnerable to fraud, and federal agencies have speculated that excessive trust explains their greater vulnerability. Two studies, one behavioral and one using neuroimaging methodology, identified age differences in trust and their neural underpinnings. Older and younger adults rated faces high in trust cues similarly, but older adults perceived faces with cues to untrustworthiness to be significantly more trustworthy and approachable than younger adults. This age-related pattern was mirrored in neural activation to cues of trustworthiness. Whereas younger adults showed greater anterior insula activation to untrustworthy versus trustworthy faces, older adults showed muted activation of the anterior insula to untrustworthy faces. The insula has been shown to support interoceptive awareness that forms the basis of "gut feelings," which represent expected risk and predict risk-avoidant behavior. Thus, a diminished "gut" response to cues of untrustworthiness may partially underlie older adults' vulnerability to fraud. (1) and the Federal Trade Commission (2) have conjectured that older adults' excessive positive responses to other people may underlie their vulnerability. Consistent with this idea, a large body of literature indicates that older adults shape their experiences and social networks in ways that lead to positive socioemotional outcomes (3). As such, older adults' judgments of the trustworthiness of others may also be skewed in a positive direction. Affective judgments of trustworthiness implicate processing in limbic regions, including the amygdala and insula (4, 5). Accordingly, age differences in trust may be reflected in altered patterns of activation in these neural regions.We report the results of two investigations that address how older adults process facial cues indicative of trust differently from younger adults. The first is a behavioral study in which participants rated faces that varied in cues conveying trustworthiness (trustworthy, neutral, untrustworthy) (4). The second study used functional neuroimaging to identify whether facial cues of trustworthiness are processed differently in the brains of older vs. younger adults. We predicted that older adults would perceive people to be more trustworthy and that this pattern would be reflected in lesser insula and/or amygdala responses to the stimuli.
Study 1People make many inferences about personal attributes from facial features (6, 7). One fundamental such judgment is whether a person is inherently trustworthy or not (5,8). The present study investigated whether there are reliable age differences in how older and younger adults infer trust from facial cues.Results. Older and younger adults observed faces that had previously been selected to convey cues regarding trustworthiness (trustworthy, neutral, or untrustworthy) (4) and rated them on how trustworthy and approachable the person seemed to be. These ratings were subjected to Age group (younger vs. older) by Face Type (trustworthy, neutral, untrustworthy)...