My Uncle and I each received a solicitation letter from American Senior Benefits that implied that signing up for their program would give you benefits that would pay for your funeral expenses so that your family isn't burdened with that expense. It is clearly worded in a deceiving manner to 1) make you think that it is MANDATED, even though the word they use is state-REGULATED, 2) think that this is an absolutely for-sure benefit due to you. The outer envelope was marked TIME SENSITIVE to make it seem this was an urgent, important matter.