Final Expense Insurance

final expense insurance

Final Expense Insurance: How The Scam Works

(with video below) The Funeral Insurance or Final Expense Insurance scam comes in your mailbox. It is a fake burial insurance program for seniors, “approved” by the Government. In this article, you’ll learn how the scam works and how to report it. Let’s dive into the fake Senior Final Expense Life Insurance Program.

Questionable final expense life insurance companies design and send postcards to neighborhoods populated by the elderly. The card informs the recipient that “an approved senior final expense program is now available, to help pay for the senior’s final expenses.” (aka funeral).

final expense insurance letter

The card also mentions that the program could get the qualifying seniors up to $15,000! Indeed, the call-to-action is at the bottom 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 How The Final Expense Program Letters Look Like:

Watch the video below to see what thousands of seniors are reporting to us – did you receive any of these envelopes?



Final Expense Life Insurance Companies Fraud: How To Avoid

Don’t get us wrong, there are legitimate services out there (insurance agents) that provide the senior final expense life insurance program, 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. Also, to be aware of other scams that target them, such as the Free Health Screening.

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.

senior final expense life insurance program

Must-Read Article: Fake Life Alert


The scam has been reported to make victims in the following cities: Houston, Los Angeles, Atlanta, San Antonio, Chicago, Birmingham, Philadelphia, North Highlands, Pheonix, Dallas, Seattle, Honolulu, Racine, Orlando, Minneapolis, Jacksonville, Denver, Holley, New York, Mesa, Indianapolis, Nashville, Greensboro, Oklahoma City, Wichita, Erie, Vancouver, Virginia Beach, Jackson, Newark, Cincinnati, Detroit, Tampa, Manchester, Malden, Roanoke Rapids, Aurora, Franklin, Muscle Shoals, Lutz, Lebanon, Wylie, Carolina Forest, Lompoc, Winter Haven, Tampa, Newport, and Cheyenne.

On the other hand, stay safe from the hideous fraudulent practices targeting seniors by avoiding the following scams as well: Medical Alert Systems Reviews,  Medical Coverage And Benefits ScamFake Life AlertHospital Lien Scam, Free Medical Bracelets, Gold IRA Companies, and the Coronavirus Mask.

Senior Final Expense Life Insurance Program Scam: How To Report

Make your family and friends aware of the Senior Final Expense Life Insurance Scam by sharing it on social media using the buttons provided. You can officially report the questionable ‘final expense’ life insurance companies to the Federal Trade Commission using the link below:

Report To The FTC Here


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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Vickey Hermes

I received a post card for New 2020 Benefit Info for CA citizens only. If it sounds too good to be true, it’s a SCAM.

terri grubbs

thank you so much for imforming me of this I was so excited to have received such help but after filling it out i started wondering how this could possibly be As good as it seems I’m grateful for the tip and hope to get this out to as many people as possible

a. lembrech

The similiar one we received is non-sense and a scam in my opinion. We got a postcard inclosed from Service Center PO box 33, LaGrange, NC. It wanted all your info exposed on the backside of the post card,for everyone to see. I checked and it appears they are only licensed to sell products in NC.

They want you to mail it to Information processing center. The print on the back side of thier card in large print says, Government Benefit supplement policy.


Received something similar from Senior Benefits Dept., P.O. Box 4057, Marietta, GA 30061-9921. The envelope was stamped in red: "Second Notice: Deadline Approaching." In black was printed: "Important Document Enclosed."


Received mine yesterday. Looks very professional. I am not a senior, however just retired this year at 54! So glad I researched first! Those of us who have elderly parents, please tell them to hold all their mail so you can check it once a week!


Parents received theres today…filled out and ready to send put the brakes on yhat one!!!! Ty!

renee mason

received mine yesterday…first thought – this is a scam even though return address was Pennslvania Avenue, SE Washington, DC. Checked here for confirmation. Going to shred right now!

Mary L. Hutchinson

Mine came in the mail today, Sept. 6, 2012. It came as one of the types of mail that you have to tear along the perforation. The pull out had the information on one side with a selection of $2K, $5K, $10K or $15K. On the reverse, it was like a post card, no postage required if mailed in the U.S. It was white with black print. This scam is apparently coming in all shapes, sizes and colors. The return address was National Processing Center, PMB #220, 325 Pennsylvannia Avenue, SE, Washington, DC, 20077-1038. How official sounding. Here is the… Read more »

Georgia Demarest

My husband received one of these cards in the mail today. The card is pink and came in a white envelope that had return address from "Benefit Department 123-B Sunrise Center Dr. Thomasville, NC 27360". It’s postmarked Greensboro, NC. The funny thing is that no where on the envelope or card, is there a name of a company/organization, etc. RED FLAG RIGHT THERE!!! And the address on the postage paid return card is, "National Reply Center PO Box 46715 Greensboro NC 27499-3876". Certainly not the name of a reputable, for-real organization on the up-and-up! ANOTHER RED FLAG!!! So please, anyone… Read more »

Vince Haines

Hey did you ever find out if that was legit what youre husband received because my dad got 1 today

Tom Waltz

I have received 5 such postcards in the mail in the past week. I hung on to them thinking I might call, but haven’t. I decided to look for information here, on the internet and found enough information to NOT follow through with a call to Dallas, Washington or Georgia (addresses on the cards). Thanks for clearing this quandry for my wife and me.

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