Life Insurance Scam

It's the classic bait and switch.

"Guaranteed Life Insurance Regardless of Your Health"

Most of us know very little about the ins and out of life insurance. It sounds complicated! And that's exactly what scam artists bank on because it's much easier to profit from victims that aren't completely clear on what legitimate insurance company will (and won't ask) for.

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What You Should Know

It's tempting to trust someone over the phone who sounds professional, calm and confident. Especially if it's about a confusing topic like life insurance. But beware. These callers are not remotely interested in selling you insurance. Instead, they are experienced identity theft scammers out to capture your personal and financial information. They are banking on your unfamiliarity with life insurance; and targeting you with statements meant to instill fear, uncertainty and doubt.

"Someone you know has passed away, and you are the beneficiary. We just need your social security number for you to claim the money."
"You have been named as the beneficiary on someone else's life insurance policy, and we just need your approval and your social security number to confirm."
"Your life insurance has been cancelled. We just need your social security number to process and confirm the cancellation."
"The terms of your policy have been changed. We need to go over the changes with you, so we need your social security number first to confirm your identity." "Your new life insurance policy is being processed, and we need your social security number and approval for it to go into effect."

How YouMail can help stop Life Insurance scams today

YouMail is the leading solution for getting rid of robocalls and we are proud that our customers are protected from scammers, spammers, and other unwanted callers. Best of all, it's a 100% free service available for everyone!

Here are a couple of REAL voicemails
left with YouMail customers.

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What you should do

First things first. We always advise people to just not answer. But if you get a robocall or telemarketer, it's OK to just hang up! Remember, pressing any number can be dangerous. Whether you press 1 or press 9 like the examples above, the scam will take you right to a person ready for the big pitch! What if you get conned into taking the call? Don't provide any personal or financial information. And remember that numbers can be spoofed (caller ID will be fake). Report them and other Do Not Call violations to ftc.gov/complaint or 1-888-382-1222.

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Our best advice

You can avoid all scams - really - just let all unknown callers go right to voicemail. Easily get more info on any number and decide whether to call them back or block them forever. Even see what others are saying or contribute to the YouMail Community Directory  yourself!