Today, there are numerous insurance scams to be aware of. These scams will attempt to steal your information or sell you fraudulent policies and one of the better-known life insurance scams is the T2 free final expense scam mailers. If you receive the mailer, it is best to discard it immediately, but what happens if you fill it out and submit it?
Final Expense Benefits is here to break down everything you need to know about this scam and also to recommend affordable final expense insurance from trusted providers.
If you’re looking for comprehensive coverage at an affordable rate, please call our talented agents at (866) 786-0725. We are dedicated to helping families find the best final expense insurance to fit their situation.
To learn more about life insurance, call us at (866) 786-0725 Monday through Friday, 9 a.m. to 5 p.m. ET, or check our free online quoting tool for a personalized pricing estimate. To see how much coverage you need for your final expenses, check our funeral cost calculator.
Key takeaways
The T2 free final expense scam is a mailer that seeks to obtain your personal information.
Once you send the T2 form back, you will receive countless calls and emails with the intent to get you to purchase insurance that is overpriced and may not fit your lifestyle
You will not receive free insurance from filling out the T2 form
Burial insurance is a reliable option for seniors looking to cover final expenses
What is the T2 Free Final Expense Scam?
The T2 free final expense scam arrives as a postcard mailer, which appears to be a legitimate government document. The T2 form is labeled “important” and also includes a deadline by which the response is needed. When you open the form, it appears to have been sent by a government agency with a message at the top stating that the letter includes benefit information. The form will request that you provide 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.’
Once you send the mailer back, you will receive non-stop phone calls and mail asking you to sign up for final expense insurance. This is because once you submit the form, you are added to a list of individuals deemed interested in purchasing burial insurance, and you have given the company prior authorization to contact you. We strongly recommend that you dispose of the form immediately, as it is not from an official government agency and will only clutter your mailbox and phone with unwanted messages.
Can You Get Final Expense Insurance From The T2 Form?
Yes, you can get final expense insurance from the T2 form, and the calls and mailers that you receive are from legitimate burial insurance companies. However, you will be pestered constantly with mail and calls, but you will eventually be able to connect with an insurance agent who can assist you in purchasing a policy. Be warned, the policies they will try to sell you are likely to be overpriced and will not provide ample coverage.
So, while you may be able to purchase an insurance policy from these forms, it will likely not be the coverage that you need. Our expert agents are available at (866) 786-0725, and they will be more than happy to advise you on what type of insurance you need for you and your loved ones.
Will You Get Free Life Insurance By Filling Out The T2 Form?
Unfortunately, filling out the T2 form does not provide complimentary life insurance. Although the mailer claims that they “will pay for 100% up to $35,000,” it does not mention anything about the monthly premiums you will have to pay to keep the policy.
Be wary of any organization promising you “free insurance”, as this is a scam. Unfortunately, there is no such thing as free life insurance.
What is a State-Regulated Final Expense Program?
A state-regulated final expense program is a term that companies will use to convince consumers to share their personal information. Each state regulates all life insurance carriers, so they must meet specific standards to sell life insurance in your state. State-regulated final expense insurance refers to policies that are sold with permission from the state.
When you take a closer look at the form, you will notice that the company sending the mailer is not affiliated with any government agency. It is essential to carefully read the fine print of any mailer to ensure you are not being scammed.
What Does The Government Provide Toward Final Expenses?
The government provides some money towards final expenses in the form of social security. Once you pass away, your beneficiary will receive around $255. While this money can be put toward final expenses, the costs of funerals often easily exceed $10,000. This is a general estimate, but costs can increase rapidly, especially if you opt for a traditional funeral with a viewing and burial.
To avoid being stuck with crippling final expense costs while grieving, we recommend purchasing burial insurance, as it can help offset any expenses you may be left to pay. Check out our free quoting tool to help you find final expense insurance that fits your budget.
How To Get The Most Affordable Final Expense Insurance
Finding the most affordable final expense insurance doesn’t have to be complicated, and it doesn’t require filling out the T2 form. At Final Expense Benefits, we can guarantee that our agents can find burial insurance that works with your lifestyle and income, so that you can cover final expenses and give peace of mind to your family.
At Final Expense Benefits, we only partner with top insurance providers, and here are just a few of the companies we work with:
Call us at (866) 786-0725, and you will be connected with one of our talented agents every weekday from 9 a.m. to 5 p.m. They are excited to help you find a plan that suits your needs and lifestyle.
The Best $10,000 Burial Insurance
Here are a few of our partners and the prices you can expect to pay based on gender and age:
| Company |
Male 50y/o |
Female 50y/o |
Male 60y/o |
Female 60y/o |
Male 70y/o |
Female 70y/o |
|---|---|---|---|---|---|---|
|
$34 |
$27 |
$50 |
$40 |
$70 |
$56 |
|
|
$31 |
$26 |
$43 |
$35 |
$71 |
$53 |
|
|
$31 |
$24 |
$44 |
$33 |
$75 |
$53 |
|
|
$34 |
$29 |
$45 |
$35 |
$79 |
$59 |
|
|
$33 |
$26 |
$48 |
$36 |
$82 |
$58 |
These figures are estimates only, based on a $10,000 final expense insurance policy with no applicant pre-existing conditions.
Final Thoughts
The T2 free final expense scam is one of the more advanced and confusing insurance scams you should know about. The form appears legitimate and looks as if it was sent by the government, but it is simply a scheme to gather information.
If you’re looking for a policy that is affordable and gives you and your loved ones the coverage you need, Final Expense Benefits can assist you.
We partner with only the best insurance carriers, and our agents can help find you a great policy with one of our top-rated providers. Our agents are available at (866) 786-0725 Monday through Friday, 9 a.m. to 5 p.m. ET.
FAQ
What is the T2 Free Final Expense Scam?
The T2 free final expense scam is a mailer that you may receive. The T2 form will appear as if it were sent from the government, but in reality, it is a way to phish for information. If you send the form back, you will be bombarded with constant phone calls and emails trying to get you to sign up for a final expense insurance plan.
Does The T2 Form Come From The Government?
No, the T2 form does not come from the government. The document looks official, but it is a way to gather personal information. Many seniors are filling out the form and sending it back. Don’t get tricked.
How To Avoid Being Tricked By An Insurance Scam?
Make sure to always read the fine print of any documents you are sent and only work with reputable insurance agents. If you are looking for insurance coverage, our talented agents are ready to assist you in finding a policy that fits your budget and lifestyle. Our agents are available to speak Monday through Friday, 9 a.m. – 5 p.m. ET at (866) 786-0725.
Does the T2 Form Provide Free Insurance?
Unfortunately, the T2 form does not provide free insurance. Make sure you are reading the fine print, and if an offer seems too good to be true, it probably is. Our agents can help answer any and all questions you may have regarding coverage. They are available weekdays from 9 a.m. – 5 p.m. ET at (866) 786-0725.
What Is Burial Insurance?
Burial insurance, also called final expense insurance, is a low-cost type of whole life insurance designed to offer affordable coverage to seniors to cover final expenses. The funds from a burial insurance payout are typically used to cover costs for funerals, cremations, burial plots, burials at sea, and more.
