(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 188 comments

  • On Tuesday, August 04, 2015, Mike wrote:

    The one I received Final Expense for Mo 100% Tax Free up to 50,000.00.
    If it sounds to good to be true it probably is

  • On Sunday, August 02, 2015, A King wrote:

    To Sally ...who screams "NOT A SCAM !!!" Dear lady it certainly is. The cards say that my state has a mandated program for seniors, tax free, that will pay my final expenses up to $15,000. The senders know that people will think the insurance is free, when it is just tax free like any other insurance. When you have to use "tricks" to find customers all you are is sharks. The card insinuates that the insurance is government provided and free and it is neither. My dear Mother always reminded us that the sin of omission is just as bad as the sin of commission. And these companies are certainly guilty of omission. And, most of us are capable of finding a properly licensed agent without a middle man who is shouting "FREE". There is still no such thing as a free lunch.

  • On Friday, July 31, 2015, Brenda Skitka wrote:

    Received mine today. I noted that no PO boxes allowed, although I should mail to their PO box. OK Google.

  • On Wednesday, July 29, 2015, Sally wrote:

    This is absolutely NOT A SCAM!!!! These cards provide a way for client in need of insurance to connect with an Independent Insurance Agent. Th agents are contracted with multiple insurance companies to aide the person in need of coverage wen if they can not get insurance through more familiar named companies. Most agents work for private companies who do not advertise. This national response center is only the middle man! All they do is mailings to reach clients. THAT IS ALL!!! People don't believe everything you read on the internet!!!! These post cards can help you connect with a licensed insurance agent, just make sure that you're dealing with a quality agent by asking what company are they going to put you with and call the company to verify of that agent actually works for them.

  • On Monday, July 27, 2015, Deborah Holder wrote:

    My parents also received the one for $35,000 from "Information Processing Center, P.O. Box 4057, Marietta, GA 30061-9921". Also marked "Second Notice" in red making it seem really important. Glad I was with my mother when she picked up her mail.

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