What Is The New State Regulated Life Insurance Program?
If you have received mailers or advertisements claiming a new state-regulated life insurance program for citizens, you might be wondering what it is. In reality, all life insurance companies are already regulated at the state level. They must obtain a license from the state’s insurance department to sell insurance products. However, some companies use the term “state-regulated” as a marketing strategy to trick people into giving away their personal information.
State-Regulated Life Insurance Mailers
State-regulated life insurance mailers are misleading lead generation strategies that make people believe there is a state-sponsored insurance plan for their final expenses. They often use phrases like “New Government Benefit Update” or “Important Letter of Notification” to make the offer sound official. However, they are not affiliated with any government agency.
These mailers aim to obtain personal information from people in exchange for information about the supposed state-regulated life insurance program. The company that sends these mailings may sell the personal information to insurance companies in the person’s state, resulting in numerous solicitation calls and mail.
Beware of State-Regulated Life Insurance Offers
If you receive a state-regulated life insurance mailer, it is best to throw it away. Do not provide personal information to anyone you cannot verify as a trusted source for insurance. Check your existing burial insurance coverage before considering any offers from such mailers. Burial insurance, also known as funeral or final expense insurance, is a whole life insurance policy designed to cover the cost of a funeral, burial, and other final expenses.
Below is a table of state-sponsored programs for final expenses:
| State | Program Name |
|---|---|
| Alabama | Alabama Department of Insurance Burial Assistance Program |
| Alaska | Senior Benefits Program |
| Arizona | Arizona Funeral Board Assistance Program |
| Arkansas | Arkansas Social Security Death Benefit |
| California | County Medical Services Program |
| Colorado | Old Age Pension |
| Connecticut | State Administered General Assistance |
| Delaware | Delaware Funeral Trust |
| Florida | Florida Department of Children and Families Burial Assistance |
| Georgia | Indigent Burial and Cremation Program |
| Hawaii | State Burial Assistance Program |
| Idaho | Indigent Assistance Fund |
| Illinois | Illinois Department of Human Services Burial and Cremation |
| Indiana | Indiana Department of Veterans Affairs Cemetery Fund |
| Iowa | Iowa Department of Human Services |
| Kansas | Kansas Department for Children and Families Burial Assistance |
| Kentucky | Kentucky Cabinet for Health and Family Services |
| Louisiana | Louisiana Department of Veterans Affairs |
| Maine | Maine Department of Health and Human Services Burial Assistance Program |
| Maryland | Maryland Department of Human Services Burial Assistance Program |
| Massachusetts | Massachusetts Department of Transitional Assistance Funeral and Burial Program |
| Michigan | Michigan Department of Health and Human Services |
| Minnesota | Minnesota Supplemental Aid Special Needs Program |
| Mississippi | Mississippi Department of Human Services |
| Missouri | Missouri Department of Social Services |
| Montana | Montana Department of Public Health and Human Services |
| Nebraska | Nebraska Department of Health and Human Services |
| Nevada | Nevada Department of Health and Human Services |
| New Hampshire | New Hampshire Department of Health and Human Services |
| New Jersey | New Jersey Department of Human Services Burial Assistance |
| New Mexico | New Mexico Human Services Department |
| New York | New York State Office of Temporary and Disability Assistance Burial Assistance Program |
| North Carolina | North Carolina Department of Health and Human Services |
| North Dakota | North Dakota Department of Human Services |
| Ohio | Ohio Department of Job and Family Services |
| Oklahoma | Oklahoma Department of Human Services |
| Oregon | Oregon Department of Human Services |
| Pennsylvania | Pennsylvania Department of Human Services |
| Rhode Island | Rhode Island Department of Human Services |
| South Carolina | South Carolina Department of Social Services |
| South Dakota | South Dakota Department of Social Services |
| Tennessee | Tennessee Department of Human Services |
| Texas | Texas Health and Human Services Commission |
| Utah | Utah Department of Human Services |
| Vermont | Vermont Department for Children and Families |
| Virginia | Virginia Department of Social Services |
| Washington | Washington State Department of Social and Health Services |
| West Virginia | West Virginia Department of Health and Human Resources |
| Wisconsin | Wisconsin Department of Health Services |
| Wyoming | Wyoming Department of Family Services |
Do not fall for state-regulated life insurance offers that may be a scam. Instead, contact a trusted insurance agency like Funeral Funds to learn more about your options.
