First scam call of the day (9:35 E.S.T.) "Final Expense" is going to be one of about 10 I receive today 11/6/2015. Thay call on a regular basis using numerous area codes and numbers. I didn't answer and have no answer machine. My caller I.D. does the job nicely and I'm mostly deaf so the 10 or so rings don't bother me.