How to Close Your Parent’s Mobile Phone Account After They Die

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Dealing with your parent’s cell phone carrier after they die may seem like it’s just one more thing to add to an overwhelming list of things to do. The reality is that some carriers are more than happy to charge your parents estate for ETF fees, while other carriers are very sensitive to this issue.  Choose your carriers wisely.

The Big Four Cell Phone Carriers

Each mobile phone carrier has their own policy and procedures in place when it comes to closing accounts due to the death of an account holder. Most mobile phone carriers require you to sign a two-year contract that charges Early Termination Fees (ETFs) if you break your contract.

Some phone carriers are more gracious than others when it comes to charging ETFs due to the death of an account holder. I’ve listed the big top four mobile phone companies, but there are plenty of others, each one with their own procedures and policies in place.

AT&T

In order for early termination fees and/or transfer of billing responsibility fees to be waived, your digital trustee must contact customer service and provide your Social Security number and the account password. In most states, (except for Oklahoma) the account must be deactivated unless a Transfer of Billing Responsibility is activated in order to retain the mobile phone number. The balance of the account will fall to the estate.

Detailed information may be found on AT&T’s help page.

Sprint

Canceling or closing an account with Sprint is as easy as sending an email to DeceasedNotification@sprint.com with the following information:

  • Account holder’s complete name
  • Cell phone number
  • Date of death
  • Social Security number

Additionally, Sprint requires the digital trustee to include their phone number in the communication.

Details can be found on Sprint’s help page.

T-Mobile

In order for T-Mobile to cancel your phone service and early termination fee (ETF), your digital trustee must contact Customer Care and provide the following information:

  • Cell phone number
  • Account number
  • Responsible billing party
  • Death certificate or attorney/legal estate documents if the death certificate is not immediately available

The supporting documentation listed above must be received within 30 days. Customer Relations will verify the information within 7 business days. If the documentation is not received within 30 days, T-Mobile will refuse to process the cancellation.

Additional details may be found on T-Mobile’s help page.

Verizon/Frontier

If your cell phone is in your name, your digital trustee should go to a Verizon/Frontier store with your death certificate. At that time, the sales associate should cancel your line and all other lines in your name, as well as stopping the early termination fee.

Contact Verizon/Frontier’s customer service department for additional details.

Why Do You Want to Buy Life Inurance?

 

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It’s important to understand your motivations for wanting to purchase life insurance. It’s important that your premium dollars are helping you protect what matters most.

Having life insurance there for you when you need it can be a huge blessing, especially when you are at your most vulnerable. It’s important to ask yourself why you want to get life insurance coverage. What do you want it to do?

  • Supplement our retirement income
  • Give to a worthy charity
  • Keep your business going, should you pass
  • Replace the breadwinner’s income
  • Provide a financial legacy to your heirs
  • Provide debt protection
  • Protect your assets should you need long-term care
  • Pay for your funeral and it’s associated costs

Next, you need to zero in on the main financial reason why you want to get life insurance. Financially speaking, what do you want your insurance policy to do?

  • Access cash values and a death benefit
  • Low premiums for a short period of time
  • Access to cash values, should you become terminally or chronically ill
  • Access to cash values to pay for a downpayment on a home or college tuition for your children or grandchildren
  • Provide a hedge against inflation in order to maintain your standard of living
  • Have the flexibility to increase or decrease the premium or death benefit
  • Flexible premium payments
  • Potentially double your death benefit should die accidentally 
  • Return of premiums