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If you forgot the security password, then you need to master reset the phone. You can get free master reset online. I recommend you to visit the site Unlock-Free.com where they are providing master reset code for certain Nokia DCT phones
you can try calling tracfone directly. Normally when u see the error "sim card locked" it means that you or someone else has tried to use a password on the phone to use it. Then the limit of # of tries was exceeded, the phone for saftey reasons auto maticaly locks up your sim card, so no one can use it to make calls on your phone.
They will give you several options, but more then liekly they will be sending you a new sim card.