Frauds & Scams
🚩Red Flags
End-of-life planning can make individuals and families vulnerable to predatory scams that exploit grief, urgency, or confusion. This section explains the most common frauds targeting the dying and the bereaved, how to recognize them, and what steps to take to protect yourself and your loved ones. Awareness is the best defense—knowing the warning signs can prevent emotional and financial harm during an already difficult time.
Funeral Home Imposters
If someone claiming to be from a funeral home contacts you urgently for payment—stop and verify before sending any money.
🚩RED FLAG: They ask for payment through Apple Pay, Zelle, wire transfer, gift cards, or cryptocurrency. Legitimate funeral homes do not request money this way. Instead, hang up and call the funeral home directly using a trusted phone number.
Read the Federal Trade Commission’s (FTC) article: Imposters Prey on Families Preparing for a Funeral.
Death Certificate & Document Fees
Scammers claim additional paperwork or “certification” fees are due after a death to release remains or documents. Government agencies never collect payment this way.
Pre-Pay Plan Scams
Some companies sell “prepaid” plans that disappear or deliver little value. Verify licensing and read the FTC’s Funeral Rule protections before paying.
Embalming
The funeral home tells you embalming is required by the government.
Coming soon…
Funeral Insurance
You get far less than you think.
Coming soon…
Social Security & Medicare Imposters
Scammers call pretending to confirm benefits or “close accounts” after a death, using the information for identity theft.
Charity Scams
Fraudulent groups claim to raise money in memory of the deceased. Research any charity at CharityNavigator.org or Give.org before donating.
The Perfect Scam Podcast
The Perfect Scam is AARP’s weekly podcast uncovering how some of America’s most convincing scams work—and how to protect yourself from them. Each episode features real stories from fraud victims, their families, and the investigators who expose these crimes, offering practical insights and expert advice to help listeners stay informed and safe.