Mortgage Protection Dept letter

I got another letter in the mail today, mocked up like it came from my mortgagor. The return envelope had an address of:

Mortgage Protection Dept
PO Box 254
Springfield NJ 07081-9932

The contents of the letter are as follows:

Final Notice to Prospect
Complete and Return

Dear Prospect,
You are entitled to participate in an affordable Mortgage Protection Program, which can protect your *home loan in case of an unexpected tragedy. Your family would still have to make your monthly mortgage payments without this type of plan. SEE BELOW - Plans can include a choice of Life and/or Disability benefits.

Dear Prospect: your benefits can include:

• DEATH - Pays off your *home loan in the event of your death from Accidental or Natural Causes.
• DISABILITY - Pays your Mortgage Loan payments if you become sick or injured & cannot work.
• UNEMPLOYMENT - Pays your policy premium for up to six months.
• CRITICAL ILLNESS - Can pay a portion of your death benefit if you're diagnosed with a covered critical illness.
• LEVEL PREMIUM - Cost do not increase.
• MONEY BACK OPTION - Returns all of your premiums if benefits are not used.
• KNOWING THE PROSPECT FAMILY WILL NOT LOSE THEIR HOME.

For complete details at no cost or obligation please complete and return this form in the enclosed postage paid envelope.

	Borrower	Spouse/Co-borrower
Date of Birth	__/__/__	__/__/__
Sex	Male [] Female []	Male [] Female []
Height	_ ft __ in.	_ ft __ in.
Weight	___ lbs.	___ lbs.

Have you ever had:
1. High Blood Pressure/High Cholesterol?	Yes [] No []	Yes [] No []
2. Heart Attack, Stroke or Cancer?	Yes [] No []	Yes [] No []
3. Diabetes?	Yes [] No []	Yes [] No []
4. Smoked cigarettes in the past 12 months?	Yes [] No []	Yes [] No []
Occupation:	___________	___________

AVAILABLE RATES ARE EXTREMELY AFFORDABLE
This is not a solicitation or an application for coverage. The information you have provided us will be forwarded to a licensed insurance agent. Information obtained only through public record and used for loan verification only. Not affiliated with any lending institutions.

I wouldn't do business with this company simply because I don't like their grammar, in particular their excessive use of capitalization. They make it look like "Mortgage Loan" or "Accidental or Natural Causes" are some sort of official terminology.

Most of all, though, I wouldn't do business with a company who doesn't even feel like they can put their company name and address, a phone number, or a person's name on the letter. All I get is a PO Box. Though other posts on this site have granted some legitimacy to the mailings from this mystery company (NAA), any unethical scammer could open a PO Box and just start mailing bills to people around the country. Perhaps based on this model, we should all start businesses where we open a PO Box and mail people bills for our time, materials, postage, and "expertise" in sending them bills.

This particular letter had a barcode on the top, and I have seen at least two phone numbers elsewhere on this site where people have recommended calling to opt out. I have personally opted out several times. It has been several months since I received a "mortgage protection" letter like this, so opting out at least appears to slow down the traffic of this junk (until they refresh their records from the local county register).