State Regulated Life Insurance…Is It A Lie?
last updated on January 6, 2026State-regulated life insurance means a private life insurance policy complies with state insurance laws, not that the state offers or funds the coverage or pays the cost.
State “state-regulated life insurance” mailers look official, but they’re just private life insurance sales pitches intended to confuse you into thinking it’s a valuable government benefit.
I’m a licensed agent in all 50 states, and in this extensive article, I’ll explain how “state-regulated” insurance works for seniors who want their cremation, burial, funeral, or final expenses paid with final expense life insurance.
What “State-Regulated” Means in Life Insurance
“State-regulated” means a private life insurance policy is governed by state insurance law, not that the state provides or sponsors the coverage.
There’s no special state program for life insurance, just private policies being marketed with confusing wording. If you’ve seen a postcard or Facebook ad saying you may “qualify for a state-regulated life insurance program,” you probably wondered if that program was legit.
Your home state does not sponsor any life insurance program for private citizens. These marketing companies send out these letters, and in the fine print, they are required to state that their “benefit information” forms are not affiliated with or endorsed by the government. Most marketing agencies count on people not reading this.
They use official-sounding words like state benefit or senior program to make you think the coverage is backed by your state. To be clear, there’s no information on any “state-regulated life insurance program” on SSA.gov, VA.gov, or any state Department of Insurance site.
The states regulate every legitimate life insurance plan to ensure all insurance companies stay solvent and protect consumers through NAIC standards. It just means the company is allowed to sell policies within the state, not that your state approves or sponsors these programs. So when an ad says “state regulated,” what it really means is: “We’re following basic insurance laws, but we don’t work for or with the state on behalf of its citizens.”
💡 The “State Program” That Sounded Official
A state-regulated life insurance mailer caused a 70-year-old woman to believe her state offered a government-sponsored insurance benefit.
She contacted me after receiving a postcard that used her state’s name and official-looking language. She assumed it was tied to residency. When I reviewed the postcard, I showed her the disclosure explaining it wasn’t connected to any state agency and existed only to collect personal information to sell to life insurance agents.
After reviewing her health, I helped her get a $15,000 whole life policy with immediate coverage intended to cover cremation, a memorial service, and remaining medical bills so her family wouldn’t need to pay anything out of pocket.
Who Regulates Life Insurance in the United States
Life insurance in the United States is regulated by state Departments of Insurance, not by a federal insurance authority.
Every state in the country has its own Department of Insurance that oversees all life insurance companies doing business within its borders. That oversight includes approving policy forms, monitoring claims practices, and verifying that companies stay financially solvent.
What State Regulation Does and Does Not Mean
State regulation governs insurer licensing and solvency requirements but does not create, sponsor, or endorse insurance products.
Legitimate insurance regulation requires companies to be licensed and meet financial requirements before selling or offering any life insurance policies in your state. Every legitimate life insurance plan in America is state-regulated in the sense that it’s approved and monitored by the Department of Insurance.
The National Association of Insurance Commissioners (NAIC) coordinates standards nationwide. Insurers must file their rates and reserve levels to prove they can pay every policyholder. Independent firms like A.M. Best, Standard & Poor’s, and Moody’s assess each company’s financial strength, and these ratings have nothing to do with the government.
Is There a State-Regulated Life Insurance Program?
No U.S. state operates a government-run life insurance program for the general public.
The state-run life insurance letter program is just a marketing ploy to mislead people into buying substandard, expensive, or two-year waiting period life insurance policies. There is no government-sponsored life insurance program for the general public in any U.S. state. None. Nada. Don’t get suckered in by this clickbait advertising method.
These seemingly deceptive “programs” often hide behind patriotic names and official-looking seals, but they have no connection to any government office. Seniors are led to believe they’re enrolling in a benefit program when they’re actually entering a sales funnel.
Why This Is Not a Government Benefit
Government agencies do not sponsor, approve, or administer private life insurance policies.
To be clear, your state is not sponsoring, managing, or approving these plans. Independent rating agencies, like A.M. Best, Moody’s, and Standard & Poor’s, evaluate these companies’ financial strength, and a company’s rating indicates its ability to pay claims, not its connection to any government plan.
These marketing companies creatively twist that truth by implying the state created or endorses their offer. If people who respond to these letters or postcards knew that “state-regulated” actually meant “I’m going to sell your information to the highest bidder,” no sane person would respond to this just by mail, and neither should you.
Where the “State-Regulated” Phrase Comes From
The term “state-regulated” comes from insurance compliance laws that govern how private insurers are licensed and overseen.
The phrase “state-regulated” only refers to the basic oversight your state department of insurance provides, not a sponsored benefit program free or discounted to citizens or state residents. All insurance must comply with state laws, and marketers twist that basic rule into something that sounds like a special benefit for you to take advantage of.
To be clear, your state is not sponsoring, managing, or approving these plans. Under NAIC model laws, insurers are required to maintain minimum financial reserves and file rates for approval before selling policies.
These marketing companies creatively twist that truth by implying the state created or endorses their offer.
NAIC Standards and Financial Oversight
NAIC standards establish financial reserve, filing, and solvency requirements for insurance companies operating across states. The National Association of Insurance Commissioners simply coordinates insurance standards nationwide. Insurers must file policy forms, rates, and reserve requirements to demonstrate long-term claim-paying ability before they’re allowed to sell policies.
State insurance departments rely on these standards to monitor solvency and consumer protection, not to create insurance benefits for residents.
Insurance Company Financial Ratings Explained
Financial strength ratings measure an insurer’s ability to pay claims and do not indicate government ownership or endorsement.
Independent rating agencies, like A.M. Best, Moody’s, and Standard & Poor’s, evaluate insurance companies’ financial strength. These ratings measure whether a company can pay claims decades into the future. They do not indicate government involvement, endorsement, or sponsorship of any insurance plan.
How “State-Regulated” Marketing Actually Works
“State-regulated” marketing uses official-sounding language to collect consumer leads for insurance sales.
Marketing companies send official-looking mailers to get your contact info and then sell those leads to life insurance agents, who often try to contact you to sell an expensive or substandard life insurance policy. These mailers are designed to look urgent and authoritative, even though they’re just advertisements.
Mailers, Ads, and Lead Generation
Mailers and ads function as lead-generation tools that capture personal information for resale to insurance agents.
Here’s how the state-regulated life insurance letter works.
- You receive a mailer or online ad with flags, seals, and urgent wording, such as “Final Expense Benefit Information – Respond immediately.”
- You fill out the form, thinking you’re contacting an official state office.
- Your information is then sold to multiple call centers and independent life insurance agents who struggle to get their own legitimate leads.
- Within hours, multiple agents may start calling to sell guaranteed-acceptance policies that carry two-year waiting periods and high premiums.
Nothing about this insurance is government-issued. It’s just a lead-generation system, and the agencies behind these marketing programs profit by selling your data to whoever will buy your information.
These marketers often try to make these letters look more trustworthy by using patriotic colors, government-style fonts, and meaningless program codes, but you’re not being pre-approved for anything. You’re being targeted for what most people would agree is a substandard and very expensive life insurance plan.
What Happens After You Respond
Responding to these offers typically results in multiple sales contacts promoting high-cost policies with delayed benefits.
If you respond, you’ll likely get a flood of calls from life insurance agents or call centers trying to sell you expensive, limited benefit period policies. You’ll hear promises like “no medical exam coverage” or “guaranteed approval.” Most of these offers lead to guaranteed-acceptance whole life insurance policies with a two-year waiting period.
During that waiting period, if you pass away from natural causes, your family won’t receive any death benefit at all. They’ll only get back what you paid in premiums, plus a small amount of interest.
If a company starts the relationship by misleading you, that should raise an obvious question about whether you want to trust them with something as important as your family’s financial protection.
⚠️ The “Covered Today” Claim That Missed One Detail
A state-regulated life insurance policy led a man in his late 60s to believe full benefits were available immediately.
An agent told him he was “covered as of today,” which sounded reassuring. When I reviewed the policy, it turned out to be a graded benefit plan with a 2-year waiting period, and it only pait out if he died from an accident in the first two years.
After reviewing his prescriptions and medical history, I moved him into a first-day coverage option that paid immediately and provided $20,000 to fully fund a traditional burial and service without any delay in payout.
Why These Offers Are Misleading
These offers are misleading because they use regulatory language to imply government involvement that isn’t true.
The ads are often designed to make you think a government agency sponsors or approves this coverage based on where you live.
Marketers use the phrase “state-regulated” to create a false sense of legitimacy. It sounds like a government benefit when it’s just basic compliance language. It’s kind of like saying the ketchup and mustard you buy at the store is “state regulated.” The state allows it to be sold, but it doesn’t give it away to citizens as a benefit.
The mailers imply that the state sponsors or pays for part of the coverage, and that’s completely false, as no state or federal agency offers, funds, or endorses private life insurance policies for seniors.
They also play word games with “benefits.” The word is chosen carefully to mimic the terminology used by Social Security, the VA, or Medicaid. Real insurance products don’t use that phrasing because they’re not government programs.
Language That Creates False Government Association
- This marketing language borrows government terminology to manufacture authority and trust.
- These mailers often use official-looking language, seals, and formatting to give the impression of government involvement. Terms like “program,” “benefit,” and “state notice” are chosen intentionally to create confusion.
- The goal is to make recipients believe the offer is tied to their state or a public agency, even though it isn’t.
Why Seniors Are Targeted
- Seniors are targeted because official-looking notices generate higher response rates among older age groups.
- These misleading mailers primarily target older Americans.
- Seniors ages 50 to 85 respond at much higher rates to official-looking notices, especially when they mention final expenses, burial costs, or urgent deadlines.
- Every detail is designed to create pressure and trust at the same time, so by the time someone fills out the card or clicks the link, their information has already been captured and sold.
- That’s how these programs justify charging far more than normal market rates for minimal coverage.
What Policies Are Usually Sold Through These Ads
These ads typically promote guaranteed-issue or simplified-issue life insurance with higher costs and coverage limitations.
Most of the policies pushed through these mailers are guaranteed-acceptance whole life insurance policies. These plans are marketed as easy approval options, especially for people with health issues.
🔍 The “No Health Questions” Assumption
A no-health-questions life insurance mailer led a woman on blood thinners to believe she had no other coverage options.
She responded to the mailer because it promised guaranteed approval and she assumed her medications would make her ineligible elsewhere. When I reviewed the offer, I explained that skipping health questions places applicants into plans with a delay of coverage for a ful two years.
After a doing a quick health review, I was able to place her into a $10,000 whole life policy with immediate coverage designed to pay the funeral home directly and cover final expenses without her family needing to raise funds.
Guaranteed Issue Policies (Worst)
Guaranteed issue policies offer coverage without health questions but cost more and limit early benefits.
- Guaranteed issue policies don’t ask any health questions, and that’s their main selling point.
- The downside is extra cost and delayed coverage.
- These policies are typically more expensive than other options and come with those pesky waiting periods.
Two-Year Waiting Periods (Worst)
Two-year waiting periods delay full death-benefit payouts on many guaranteed-issue policies.
- Every guaranteed-issue plan has a mandatory waiting period, usually two years.
- That means your coverage isn’t fully active until the 25th month.
- If you die during that time, your beneficiary won’t receive the full death benefit.
- They’ll usually receive a refund of premiums plus a small amount of interest.
First-Day Coverage (Best)
First-day coverage alternatives use simplified underwriting to provide immediate death-benefit protection.
- Simplified issue policies ask some basic health questions but provide first-day coverage.
- Most people qualify for these plans.
- They cost less than guaranteed-issue policies and provide immediate protection once the first payment is made.
- 97% of the people helped through the Final Expense Guy qualify for first-day coverage.
Comparing First-Day Coverage vs Waiting-Period Policies
Comparing policy types highlights the tradeoff between immediate protection and delayed benefits.
Waiting-period policies delay protection at the exact time families need it most, and first-day coverage policies start protecting families immediately. Waiting-period plans refund premiums if death occurs early, and first-day coverage plans pay the full death benefit right away.
For most people, first-day coverage provides better value, better pricing, and real peace of mind.
How to Verify a Legitimate Life Insurance Offer
Verifying a life insurance offer requires confirming the insurer, the agent’s license, and the policy terms before sharing personal information.
Before giving out your personal information, it’s important to verify whether an offer is legitimate, as any legitimate life insurance offer will clearly explain who the insurer is, how the policy works, and what you’re actually buying.
What Legitimate Insurance Marketing Includes
Legitimate insurance marketing clearly identifies the insurer, the licensed agent, and the policy details without pressure or urgency.
- Clear identification of the insurance company issuing the policy.
- A licensed agent who can explain coverage details without pressure.
- Transparent pricing and policy explanations before you apply.
- Straightforward language that doesn’t rely on government-style wording or implied benefits.
Red Flags Consumers Should Watch For
Red flags include missing insurer information, implied government backing, and pressure-driven sales tactics.
- Mailers or ads that don’t list the actual insurance company name.
- Claims of “state programs” or “state benefits” tied to private insurance.
- Urgent deadlines are designed to rush decisions.
- Requests for personal information before coverage details are explained.
Common Companies and Lead Generators Behind These Ads
The marketing companies behind state-regulated ads are marketing firms that sell consumer leads rather than licensed insurance companies.
Most of the names listed on these mailers are not insurance companies. They’re lead generators using vague or official-sounding names to collect personal information.
These marketing companies often sell consumer data to multiple agents, leading to repeated phone calls. So, if an advertisement doesn’t clearly list the insurer’s name, license, address, and underwriting details, that’s a major warning sign.
What Legitimate Government Burial Benefits Exist
Government burial benefits provide limited assistance and do not replace private life insurance coverage.
There are a few limited government benefits related to burial costs, but they don’t replace life insurance and provide only small amounts of assistance, often misunderstood.
Social Security Death Benefit
The Social Security Death Benefit provides a one-time payment to eligible survivors after a death.
- Social Security provides a one-time death benefit paid to a surviving spouse or eligible child.
- The benefit amount is limited and does not cover the full cost of a funeral.
VA Burial Benefits
VA burial benefits offer limited assistance to eligible veterans based on service and burial circumstances.
- Eligible veterans may qualify for burial benefits through the Department of Veterans Affairs.
- These benefits can include limited financial assistance, burial plots, or memorial items depending on eligibility.
State and Medicaid Burial Allowances
They’re not intended to fully fund funeral expenses.
- State and Medicaid burial allowances provide small, state-specific assistance for funeral expenses.
- Some states offer small burial allowances through Medicaid programs.
- These amounts are typically limited and vary by state.
Here’s how these legitimate programs compare to the substandard “state-regulated” mailers:
COMPLAINTS, INVESTIGATIONS, AND CONSUMER WARNINGS
Regulators and consumer groups have flagged these mailers for confusing people because they imply misleading state approval or backing, and many states have issued public advisories about deceptive life insurance marketing.
The Florida Office of Insurance Regulation, the Pennsylvania Attorney General, and the Texas Department of Insurance have all warned consumers about misleading mailers that imply state sponsorship.
The Federal Trade Commission (FTC) and Consumer Financial Protection Bureau (CFPB) also monitor deceptive advertising under the Truth in Advertising Act. Their findings show a willful pattern of seniors being targeted with misleading “benefit request” mailers.
BBB.org lists hundreds of complaints nationwide describing identical experiences: deceptive program names, multiple follow-up calls, and policies that turned out to be high-cost, limited-benefit coverage.
Consumers can report these ads to their state’s Department of Insurance or directly to the FTC Complaint Assistant at reportfraud.ftc.gov.
🚨 The Complaint File That Wouldn’t Stop Growing
A state-branded life insurance mailer generated repeated consumer complaints after implying government backing, which led a retired couple to believe enrollment was tied to a state benefit program.
Ron and Denise, both in their early 70s, responded to a postcard that referenced a “state-regulated senior benefit” and included a program code and deadline. Within a day, they started receiving nonstop calls from different agents, each claiming to represent the same program.
The hidden issue was that their information had been sold as a lead multiple times, and the policy they were pushed toward carried a limited benefit period that wasn’t explained. After Denise filed a BBB complaint and contacted her state Department of Insurance, they reached out to me for clarity.
I reviewed the mailer, explained why regulators warn about this exact language, and walked them through legitimate options. They ended up with a $25,000 whole life policy with immediate coverage intended to pay for funeral costs, final medical bills, and related expenses without any waiting period.
BETTER ALTERNATIVES FOR FIRST-DAY COVERAGE
You can get terrific whole life insurance plans that pay full benefits immediately without tricks, deception, or gimmicks.
The best alternative to these misleading “state-regulated” mailers is a first-day coverage whole life policy from a top-rated insurance carrier.
These 1st-day coverage plans never expire and never increase in price, paying the full death benefit from day one. The difference comes down to underwriting.
There are three basic levels:
- Preferred (Healthy Applicants) – Immediate coverage at the lowest rates for the most common health conditions or medications that are prescribed
- Standard (More significant Health Conditions) – Immediate coverage with short health questions, no exam, and very affordable rates.
- Guaranteed Issue (Severe Conditions Only) – Two-year waiting period and the highest cost.
Most seniors qualify for one of the first two categories when they apply through an honest broker, rather than a call center. 97% of the people we help at the Final Expense Guy qualify for 1st-day coverage.
Here’s how these underwriting types compare:
When you apply through a broker like the Final Expense Guy, your health history is matched to the right insurer, thereby avoiding the waiting period and keeping your premium costs low.
Most people who think they “can’t qualify” actually can; it’s just that they have never spoken with someone who understands which companies are the best to go with.
HOW TO VERIFY A LEGITIMATE LIFE INSURANCE OFFER
Always verify that the company name, license, and ratings are visible on any marketing materials before you give out your personal information.
If you need help verifying any companies or programs, reach out to me personally, and I’d be happy to assist you.
If you want to know whether a mailer or website is real, follow this quick checklist:
If the company fails any of those five checks, you’re not dealing with a trustworthy offer.
Honest agents welcome verification because legitimate policies can withstand scrutiny.
When in doubt, you can also call your state Department of Insurance and ask if the company and agent are licensed, as every state maintains a searchable database.
HOW FINAL EXPENSE GUY HELPS FAMILIES AVOID MISTAKES
A licensed broker like the Final Expense Guy can compare real policies to get you the best pricing, coverage, and eligibility options.
My name is Randy, and I’ve reviewed what seems like thousands of policies and mailers claiming to be “state-regulated.” My process is simple. I ask a few short health questions, compare all top-rated carriers licensed in your state, and show you every option that provides first-day coverage.
No waiting, no gimmicks, and no “state-regulated” misleading advertising.
I only work with companies rated “A” or better by A.M. Best and fully compliant with NAIC guidelines. You’ll know your policy’s carrier, rating, and approval status before you ever pay a dime.
HOW I VET LIFE INSURANCE COMPANIES
Every company mentioned on FEXGUY.com goes through a real screening process. Here’s how it actually works.
First, companies get filtered on financial strength. If a carrier doesn’t hold a solid A.M. Best rating or has a history of instability, it’s out. Cheap coverage doesn’t matter if the company can’t pay claims years later.
Next, underwriting rules get reviewed line by line. Health questions, lookback periods, medication flags, age limits, and waiting periods all matter. Two companies can sell “whole life” and treat the same person completely differently. That difference is the whole point of this site.
Then pricing gets compared across real scenarios. Same age. Same health. Same coverage amount. If a company consistently costs more without offering better approval odds or benefits, it gets flagged as a bad deal.
| $10,000 Coverage & Company | Female 50 y/o |
Female 60 y/o |
Female 70 y/o |
Male 50 y/o |
Male 60 y/o |
Male 70 y/o |
|---|---|---|---|---|---|---|
| FEXGUY #1 Carrier | $21 | $32 | $52 | $27 | $41 | $69 |
| AETNA – Accendo CVS Health |
$27 | $40 | $58 | $31 | $51 | $73 |
| American Amicable | $26 | $38 | $60 | $31 | $47 | $78 |
| CICA Life | $31 | $49 | $83 | $33 | $55 | $102 |
| Gerber Life | $34 | $51 | $75 | $44 | $63 | $99 |
Complaint history matters too. NAIC data shows performant patterns. One-off complaints can happen everywhere. Repeated issues with claims, billing, or policy changes don’t get ignored.
Finally, real-world outcomes count. These reviews are shaped by thousands of applications, approvals, declines, and payouts handled over years, not theory. If a company looks good on paper but causes problems after the sale, it doesn’t get my recommendation.
That’s the methodology I use. Simple. Transparent. No games.
FREQUENTLY ASKED QUESTIONS: STATE REGULATED LIFE INSURANCE
Most common questions come down to one fact: state-regulated doesn’t mean state-provided.
What is state regulated life insurance?
State regulated life insurance is a private policy sold by a licensed insurer under your state’s rules.
It’s not a government plan. The words “state regulated” mean the company is licensed and checked by your state’s Department of Insurance to make sure it follows the rules and can pay claims. Some life insurance marketers make the ads sound like a special state benefit, but it’s really just a deception they use to try to get your personal info and try to sell you a policy. Ultimately, it’s just a private policy sold under state laws.
What does state regulated life insurance mean?
State regulated life insurance means the insurer meets your state’s rules to sell coverage legally.
The state makes sure companies don’t lie, overcharge, or go broke. It doesn’t mean the state created, pays, or services your policy. The words “state regulated” just show that the company meets your state’s standards.
What are the benefits of state regulation of life insurance?
State regulation protects consumers by requiring insurers to follow state rules.
It keeps companies honest, makes sure rates are fair, and helps customers if there’s a problem. You can check with your state’s Department of Insurance to see if a company is licensed and strong enough to pay claims. The state doesn’t sell the policy, and it just makes sure the company follows the appropriate laws regarding life insurance.
What is state regulated insurance?
State regulated insurance is any insurance sold by a company your state licenses and oversees.
That includes life, auto, and home insurance. The term “state regulated” only means the company is licensed, not that it’s a government program or benefit. Every real policy sold in your state must meet those same rules.
What does state regulated mean on an insurance card?
State regulated on an insurance card means the insurer is licensed to sell coverage in your state.
The state checks the company’s paperwork and finances to protect customers. It doesn’t mean the government is paying for your plan or has anything to do with your coverage.
What is regulated life insurance?
Regulated life insurance is life insurance sold under state-approved rules for pricing and policy terms.
The goal is to make sure the company operates in a safe and fair manner. All real life insurance is regulated this way. The government doesn’t sell it; it just makes sure companies do what they promise.
Is life insurance regulated by the state or the federal government?
Each state regulates life insurance through its own insurance department.
Every state has its own Department of Insurance that licenses companies and agents. That’s why rules and prices can differ from state to state. “State regulated” just means the policy is legal and approved to be sold in the state where you live.
How much does final expense life insurance cost?
Final expense life insurance premiums depend mostly on age and health.
| AGE | $10,000 | $15,000 | $20,000 | $25,000 |
|---|---|---|---|---|
| 50 | F: $21.78 M: $27.35 | F: $31.37 M: $39.73 | F: $40.97 M: $52.12 | F: $50.57 M: $64.50 |
| 52 | F: $24.52 M: $29.26 | F: $35.49 M: $42.60 | F: $46.46 M: $55.93 | F: $57.43 M: $69.27 |
| 54 | F: $25.62 M: $31.47 | F: $37.14 M: $45.91 | F: $48.66 M: $60.36 | F: $60.18 M: $74.80 |
| 56 | F: $27.11 M: $34.25 | F: $39.37 M: $50.08 | F: $51.63 M: $65.91 | F: $63.90 M: $81.74 |
| 58 | F: $29.51 M: $37.69 | F: $42.97 M: $55.24 | F: $56.43 M: $72.79 | F: $69.90 M: $90.34 |
| 60 | F: $32.60 M: $41.74 | F: $47.61 M: $61.31 | F: $62.63 M: $80.89 | F: $77.64 M: $100.47 |
| 62 | F: $36.02 M: $46.28 | F: $52.74 M: $68.13 | F: $69.45 M: $89.97 | F: $86.17 M: $111.82 |
| 64 | F: $39.51 M: $51.17 | F: $57.97 M: $75.47 | F: $76.44 M: $99.76 | F: $94.90 M: $124.06 |
| 66 | F: $43.10 M: $56.43 | F: $63.37 M: $83.36 | F: $83.63 M: $110.29 | F: $103.89 M: $137.21 |
| 68 | F: $47.11 M: $62.29 | F: $69.38 M: $92.15 | F: $91.64 M: $122.00 | F: $113.91 M: $151.86 |
| 70 | F: $52.03 M: $69.23 | F: $76.76 M: $102.56 | F: $101.48 M: $135.88 | F: $126.21 M: $169.21 |
| 72 | F: $58.40 M: $78.01 | F: $86.31 M: $115.73 | F: $114.23 M: $153.44 | F: $142.14 M: $191.16 |
| 74 | F: $66.68 M: $89.53 | F: $98.74 M: $133.00 | F: $130.79 M: $176.47 | F: $162.84 M: $219.95 |
| 76 | F: $77.15 M: $104.59 | F: $114.44 M: $155.60 | F: $151.72 M: $206.61 | F: $189.01 M: $257.61 |
| 78 | F: $89.87 M: $123.57 | F: $133.52 M: $184.07 | F: $177.16 M: $244.57 | F: $220.81 M: $305.06 |
| 80 | F: $104.83 M: $145.79 | F: $155.96 M: $217.39 | F: $207.09 M: $288.99 | F: $258.22 M: $360.60 |
15 Comments
Carolyn
i would like a quote for final expense insurance
Final Expense Guy
Carolyn – We just sent you an email to help you out with this.
Heather
Thank you for posting this I just received these in my mail today I've been getting these in the mail for years and I just throw them away I knew right away they were a scam and they give you a pair postage envelope and the address its going to is Central Processing Center in Dallas,Texas but no actual address just a PO box number. And the card has no phone number or legitimate address now that ik for sure this is a scam I will continue to throw these away thank you for posting this article!
Tammy
I agree with Heather! It is exactly as she stated except my processing center is in Georgia. It also asked for my age, my spouse's name and age and phone number. It is a tricky scam if you do not read the fine print and decide to go do a "background check." Thank you for posting!
Sara
While this article has valuable information that is true and helpful, it is also contradictory to itself. The wording of "state-regulated" IS misleading, I get that and it’s not right. This does not make it fraud or a hoax, because you must work with a state-regulated insurance company and you must work with a licensed agent no matter which route you go, and you must give personal information for application purposes. When you request quotes online it works the same way that a mailer does. Agents will call you! You are requesting their expertise, right? All your information is protected and sent directly to the Insurance company you decide to do business with. Working with an Insurance Broker will help you choose what is right for you and your family because they have multiple carriers with which they are contracted. (In order to get contracted with Insurance companies you must be licensed and have a background check done each time you are appointed with a new carrier). This helps the client find the best coverage that fits in their budget without any heavy lifting. The broker does all the research for their clients. If you request insurance quotes, make sure to get the identity and licenses information from your broker to confirm who they are! In conclusion, this website wants you to use Final Expense Guy as your choice of brokerage, just like a mailer would do. Do your research, always ask questions, and stay positive. If you do not feel comfortable with your agent, please let them know. If you decide to go elsewhere, let the agent know you are doing so and asked to be removed from their call list. We all must communicate and make sure we are getting what we pay for. This is an extremely old industry, and your best bet is to use a broker that works with a reputable financial group. It is all the same whether it be a mailer, online request, cold calls, television commercials, billboards, or telemarketers.
Final Expense Guy
Sarah starts by mentioning "The wording of "state-regulated" IS misleading, I get that and it’s not right. This does not make it fraud or a hoax…" How could you ever trust someone like Sarah after she says something like this? This is your warning to not believe anything Sarah says, or buy any insurance from her because she may, in fact, work for one of these companies.
Oh…by the way…check out our reviews page to see what our happy clients say about us! https://fexguy.com/reviews/
donna shackelford
where do i mail the 2022 benefit info back to
Final Expense Guy
Donna – We recommend you not mail that benefit info letter back in. Companies that do that will sell your info to other agents and your phone will start ringing off the hook day and night. If you need some help with this, visit this page to get information and a quote – https://fexguy.com/free-quote/
anny
How about we send the envelopes back with just a piece of blank paper in it ?
The provided envelope says "postage paid by addressee". When it starts to cost the scammers money, maybe they will stop harassing us.
If this co. was serious in helping people connect with a legit insurance broker, it would mail letters stating that. Not a fake Form T-2 pretending the state where I live will give me (more) benefits.
Final Expense Guy
Anny – You're pretty crafty! That might just work if everyone did that!
Jett McGinnis
If I feel I'm being duped or something is misrepresented and they send a business reply, I stuff it with my unwanted mail all balled up to get them to pay a parcel rate instead of a first class letter rate. Not saying you should, just what I do.
jason
tape a brick to their encelope and mail it back
Patricia A Lafleche
I am not signing for this if this is a fake state regulated insurance! Have a Happy day.
Benny
I keep getting these letters and it's frustrating as can be. How can I stop these letters from flooding my mailbox?
Final Expense Guy
Hi Benny. These letters can get very annoying. Many times these marketers are getting your information from publicly accessible records (courthouse, state tax entities, etc.). It's just a numbers game to these marketers, and you're often just a number to them.
If they know they can mail out 100 letters, and 6 people respond, and they make "X" amount of money selling those 6 numbers to agents who need leads or prospects to talk to, the other 94 people are often just viewed as collateral damage and they consider it a "cost of doing business". That's why it's so important for you to reach out to a legitimate life insurance broker rather than mail a letter in, of fill out a form online from someone you haven't had time to verify.
If you have any further questions, just reach out to me and I can get you any info you need.