How to Protect Yourself From the T2 Free Final Expense Sca

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How to Protect Yourself From the T2 Free Final Expense Scam

Last Updated October 15, 2024

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A woman looking at her computer with a frustrated expression. She has her left hand on her head. The Final Expense Benefits logo is on the top left corner of the image with the words "T2 Free Final Expense Scam" under the logo.
These days, insurance scams are everywhere. They are trying to take your information or sell you policies that cover a fraction of your final expenses. One of the most prolific life insurance scams is the T2 free final expense scam mailers. If you ever get the mailer, you should immediately shred it, but what happens if you fill it out and send it in?  We’ve found everything you need to know about this scam and where to buy affordable final expense insurance. Our recommendation is to call one of our talented agents at (866) 786-0725, and we will help you find the best coverage at a great price. We are dedicated to finding the best final expense insurance to fit your situation without breaking the bank.  Are you uncertain if burial insurance can fit in the budget? We have a quoting tool that can tell you how much your monthly premium would be and the coverage options you can grab. 

What is the T2 Free Final Expense Scam?

The T-2 Free Final Expense Scam is a form that looks like it’s from the state government asking you to send in your name, age, address, and phone number. The form will say something like “20XX Benefit Information for [Your State] Residents” or “will pay for 100% up to $35,000”. It will ask you to send in your information as soon as possible to get “free information.”

Once you send in your mailer, you will receive non-stop phone calls and mail asking you to sign up for final expense insurance. That’s because once you send in the form, you are seen as open to grabbing burial insurance. We suggest that you immediately dispose of the form as it doesn’t come from an official government agency, and it will pollute your mailbox and phone inbox. 

Can You Get Final Expense Insurance From These Mailers?

An elderly man with a frustrated look on his face looking at mail.
Yes, you can get final expense insurance from these mailers. The calls and mail that you get are from legitimate burial insurance companies. If you can endure the harassment, you will eventually talk to an insurance agent who will sell you a policy that might not be right for you.  So, while you might get an insurance policy from these forms, it could be grossly overpriced or give you minimal coverage. Instead, we suggest you call us at (866) 786-0725. Our agents are committed to finding the best coverage for you at the most affordable price. 

Will You Get Free Life Insurance?

Unfortunately, there is no such thing as free life insurance. Even though the mailer claims that they “will pay for 100% up to $35,000”, it fails to say anything about the monthly premiums you’ll have to spend to keep the policy. 

State Regulated Life Insurance Policy — What It Means & More

Oftentimes, if you receive a T-2 Form, it will claim that it is a “state-regulated life insurance policy.” And that statement is 100% true. But that’s because all insurance is state-regulated. 

If you look at the fine print on the form, you’ll notice that it states that it is not at all affiliated with any government agency. Make sure to read through everything on the form to make sure you aren’t getting scammed. 

What Does the Government Provide Toward Final Expenses?

Yes, the government does give some money towards final expenses in the form of social security. Once you pass, your beneficiary will receive around $255. However, According to the National Funeral Directors Association, funeral expenses cost around $9,995.  That’s why we always recommend getting burial insurance as it will help curb any final expenses you incur. Check out our quoting tool to help you find final expense insurance that fits your budget. 

How to Get the Most Affordable Final Expense Insurance

A woman wearing a white hat and jean jacket. She is talking on a cell phone.
Getting the most affordable final expense insurance is easy. At Final Expense Benefits, we guarantee that our agents can find burial insurance that works with your income so you can get the funeral you desire and give peace of mind to your family.  Call us at (866) 786-0725, and you will get connected with one of our talented agents every weekday from 9 a.m. to 5 p.m.They are eager to help walk you through the different policies at the top-rated insurance companies we work with. Here are just a few of the companies we work with:  Our agents will find a policy that fits your budget and funeral expectations. You can even use our quoting tool to start finding a policy. 

The Best $10,000 Burial Insurance

Final Expense Benefits only works with the top-rated insurance agencies in the nation. Here are just a few of the prices that you can expect to pay based on gender and age: 

Company 50 y/o Male 50 y/o Female 60 y/o Male 60 y/o Female 70 y/o Male 70 y/o Female
Aetna (CVS Health)
$34
$27
$51
$40
$73
$58
Americo
$39
$34
$52
$41
$86
$65
Mutual of Omaha
$30
$24
$43
$32
$74
$53
Prosperity
$36
$30
$47
$37
$81
$60
Corebridge
$55
$38
$68
$53
$106
$80

Conclusion

The T2 Free Final Expense Scam is just one of the many insurance scams you should know about. Its deceptive wording and appearance can make it seem like it’s coming from the government, but that’s only a facade. If you’re looking for real burial insurance policies, call one of our agents at (866) 786-0725.  Our agents can help you find all the plans and guide you through signing up for a policy. We even have a unique tool you can use to discover the policies that will work with your income and more. 

Frequently Asked Questions

What is the T2 Free Final Expense Scam?

The T2 Free Final Expense Scam is a mailer you will receive in the mail. Once you send your information back, you will receive non-stop calls and mail urging you to purchase a burial insurance policy. 

Do the T2 Forms Come From the Government?

No, T2 Forms do not come from the government. They are made and worded to sound like an official government notice, but that is only because they are trying to get your information by any means necessary. 

What’s the Best Way to Not Get Tricked By an Insurance Scam?
Working with reputable and licensed insurance agents is the best way to avoid getting scammed. Luckily, our agents are ready to discuss policies that fit your budget and lifestyle. Call us at (866) 786-0725 every weekday from 9 a.m. to 5 p.m. to get started. 

Also See: Most Common Insurance Scams