(42 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). 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.

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.

How to avoid:

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.

Make your friends and family aware of this scam by sharing it, using the buttons provided. 

There are 140 comments

  • On Saturday, January 10, 2015, S. E. Winter wrote:

    I am an insurance agent in Ohio. We send out similar cards to create LEADS. When someone returns the card, I contact them and if they are under insured or uninsured, we get them a Policy. I am with HOWE Insurance Company - HISCO. I can tell you there are NO fees to meet with us, and we represent some of the BEST insurance companies out there for seniors. I treat everyone very ethically, and often times talk seniors OUT OF taking out a policy (ie some people I meet with want to switch companies just because they like me - if it is not to their advantage either by getting them a lower rate or a policy with better benefits, I simply refuse and tell them why). I am certain there are scam artists out there - as there are in every industry. But I can tell you the cards I send out in Ohio (which appear somewhat similar) if you get one, you will be treated extremely well, and with total honesty. Feel free to call me at 614-560-7710 with any questions or if I can help with any life insurance issues.

  • On Wednesday, January 07, 2015, Lou Ann Cagle wrote:

    It is also given a credit rating of D- by the BBB!

  • On Wednesday, January 07, 2015, Lou Ann Cagle wrote:

    I received a card in an enclosed envelope and it was titled New 2015 Benefit Update for Texas residents only. And that phrase was the last one on the card, "You are entitled to receive no-cost information as a resident of TEXAS. IMPORTANT - Return this postage-paid card within 5 days. My husband doen't have any life insurance and I was going to send it in. I am so thankful I checked it out first. My daughter is always warning me about scams.

  • On Friday, January 02, 2015, kim biederman wrote:

    I just received a postcard to mail back regarding my "final expenses" in fine print on bottom WSM? has a NORTH Kansas city MO 64116-9862 return listed???
    Thanx for alerting me to this!

  • On Tuesday, December 02, 2014, Kaaren wrote:

    I did not send in the card and someone showed up at my door making a reference to the card...and I live in a secure building that requires a code to get in. He looked at me and asked if my "Mom" was home. I told him he was about to meet my two best friends; Smith and Wesson. He left very quickly!!!!!!

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