Friday, February 16, 2018

More preying on the elderly, courtesy of the Funeral Insurance Industry

"If you are 85 years of age or younger..." considering the channel I saw this on, the following pitch is directed to approximately 40% of the viewing audience.

It's a Senior Life Plan from the Senior Life Insurance Company, a company which I'm guessing sells insurance to Seniors.  I'm not sure of this, I'm just taking a stab in the dark based on the fact that the word "Seniors" is mentioned just under three hundred times in this stupid ad.

Specifically, it's another one of those ubiquitous ads for Funeral Insurance.  The "average funeral," you see, costs OVER $7500.   But the MOST government benefits pay is $255, which isn't even enough to cover the caterer for the wake for chrissakes!  I wonder if that "OVER $7500" number will be inflated before the ad is over, since I've seen commercials using the much scarier phrase "$30,000 OR MORE!"

"Leaving your loved ones to pay your debt..." first, what a sleazy way to reel in potential customers- "if you don't buy funeral insurance, it may mean No College For Your Grandkids or Someone Gets Evicted, even if none of that stuff happens Do You Really Want To Be Remembered As a Burden?"  Second, there's no "debt" unless someone goes through with the ridiculously overpriced Party Featuring You In a Box.  And if you don't leave money to cover it, why would anyone pay for an elaborate going away party for someone who has already gone away?

This Senior Life Plan for Seniors will pay up to $30,000 (I KNEW that phrase would show up!) for funeral expenses and "any other end of life expenses."  And we all know what "Up To" is worth, don't we?  It means they might come close to paying that amount if you buy none of the policies they're about to list as Available at an Unbelievably Low Price.

And like all of these ugly Expensive Insurance for the Easily Manipulated Elderly commercials, this one reminds the viewers to "ask about our Free Prescription Discount Card."  I don't know what part of that scam is all about, except that I'm 99 percent positive that it's either just another bit of bait on the hook that provides nothing of value not already provided by AARP or Medicare or it's a way of sticking a "small" extra fee to the cost of the "insurance."  I guess they ran out of those credit card-sized magnifying glasses and Magic Ear hearing aids?

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