How the scam works:
The Funeral Insurance or Final Expense Insurance scam comes to you in your mailbox. It is a fake burial insurance for seniors program, "approved" by the Government.
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 (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. The funeral insurance or final expense insurance program it is certainly a controversial topic.
How to report:
Make your family and friends aware of this scam by sharing it on social media using the buttons provided. If you received one of these cards/letters, please take a picture of it and send it to us via email (firstname.lastname@example.org) so we can feature it on this page.
You can officially report the scammers to the Federal Trade Commission using the link below:
How to protect yourself more:
If you want to be the first to find out the most notorious scams every week, feel free to subscribe to the Scam Detector newsletter here. You'll receive periodical emails and we promise not to spam. Last but not least, use the Comments section below to expose other scammers.
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