Lincoln Heritage Life Insurance Company® Since its founding in 1963, Lincoln Heritage Life Insurance Company® has been a family-owned and operated life insurance company. The founding mission was to set a new bar for fast, friendly, and accurate service to their policyholders and agents. With over one million in-force policies, Lincoln Heritage Life Insurance Company® has become the leading provider of final expense life insurance. They have an A+ rating with the Better Business Bureau and an A-(Excellent) rating with A.M. Best, an organization that evaluates the financial strength of insurance companies.

Lincoln Heritage Funeral Advantage® program has two key components:

  • The first is a Final Expense Life Insurance Cash Benefit from Lincoln Heritage Life Insurance Company® that offers easy qualification and a streamlined application process. No health examinations are necessary — only a few health questions on a one-page application. Most people get coverage, even with health issues.
  • The second is the Family Support Services provided at no additional cost to every policyholder through the Funeral Consumer Guardian Society® (FCGS). Upon the death of a Funeral Advantage policyholder, a representative from the FCGS is ready to go into action on your family’s behalf to help surviving loved ones cope with the many details that immediately arise.

Our policies don’t require a medical exam – just health questions on a one-page application – making the whole process quick and easy. But what truly sets us apart from other final expense providers is that we help your surviving loved ones with the hundreds of details that arise during the funeral process. When one of our policyholders passes away, we want to make sure things go smoothly and easily for the loved ones taking care of the funeral arrangements.

We offer whole life insurance up to $35,000 and we offer a modified policy for those who have health conditions. We also offer a 20-pay, where the policy is paid-up in 20 years. Your plan can also include an accidental death benefit up to $100,000. Once your claim is approved Lincoln Heritage Life Insurance Company will distribute the payment within 24 hours.

Insurance Policy Face Amounts

Final Expense

Age: 0-80 // Issue Limits: up to $35,000
Age: 81-85 // Issue Limits: up to $15,000

Twenty Pay

Age: 0-80 // Issue Limits: up to $35,000

3 Year Modified Death Benefit

Age: 0-49 // Issue Limits: up to $15,000

2 Year Modified Death Benefit

Age: 50-85 // Issue Limits: up to $15,000

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