(50 votes)

Post Card for Seniors

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How the scam works:

Scammers design and send countless post cards to neighborhoods populated by the elderly. The card informs the recipient “an approved senior final expense program is now available, to help pay for the senior’s final expenses." (aka funeral).

The card also mentions that the program could get the qualifying seniors up to $15,000! Indeed, the call to action is at the end of the card, stating: “It is your legal right as a taxpayer to receive all the information available to you. You must complete this request form within 5 days.” Seniors fall for this and are required to pay not only a “small” application fee, but also to give all their personal information.

Watch the video below to see a short educational video about general burial insurance.

Low Cost Burial Insurance Educational Video

How to avoid:

Don't get us wrong, there are legitimate services out there (independent insurance agents) that provide that kind of programs, but this refers only to the scammers who impersonate those real organizations. Tell your elders to let you know whenever they get such things in the mail. Take a closer look at the names used, research, and determine if the mail comes from legitimate services or bogus ones. Better safe than sorry. You can report the scam on this page: Federal Trade Commission Report.

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There are 195 comments

  • On Monday, September 28, 2015, Linda wrote:

    Today I received a card in the mail that read "2015 benefit information for Michigan citizens only"
    I nearly cancelled my private life insurance policy thinking that I would qualify for this 100℅ benefit of all funeral expenses scam!!

  • On Tuesday, September 22, 2015, Jack Armstrong wrote:

    Okay folks here's what you do. Take all of your junk mail for a week or two, put it in a large envelope and mail it to their PO Box. Make sure their "offer card" is in there too. If we all do this for a week or two at least it will slow them down a little, maybe have to hire someone to go through all of the mail to look for their cards, which won't be filled out.

  • On Monday, September 21, 2015, Tim wrote:

    Received one today in GA and it is about free medications, then mentions final expense plan. But has in small writing about being contacted by insurance agent with senior life services in Vero Beach, Fl. They are really trying to drum up business with these post card mailings. I don't send any personal info through the mail, especially on a post card that anyone can read. Have to give them credit for trying, but would advise people not to send info through mail on an open post card, as you are asking for identity theft.

  • On Sunday, September 20, 2015, Dylan Grieve wrote:

    These actually aren't scams. I do agree that it's deceptive marketing in the sense that it seems like people are getting something offered by the state.

    I work as a final expense agent, and am contracted with 20 different companies. Basically I help people find the lowest price on plans to pay for final expenses.

    Unfortunately, most of us final expense guys have limited options in terms of marketing, and these lead cards work the best.

    However, I don't like the way it's marketed, and will probably be leaving the profession soon for this reason alone. It isn't a scam though; especially if you already have insurance; I've saved people alot of money, and helped them understand policies where they had no idea what they had.

    Closer to a scam would be AARP- they sell term insurance, and most people think it will pay final expenses. What they don't understand is that rates increase every 5 years, and it ends at age 80.

  • On Friday, September 18, 2015, j kansas wrote:

    i received a letter from service center pobox 33 la grange ,nc 28551 final expense insurance the leter did not give the insurance co name and the NC state attorney has no record of this insurance co in there state its mail scam from I found out on the internet beware

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