[{"@context":"https:\/\/schema.org\/","@type":"BlogPosting","@id":"https:\/\/www.easyquotes4you.com\/lincoln-heritage-life-insurance-review\/#BlogPosting","mainEntityOfPage":"https:\/\/www.easyquotes4you.com\/lincoln-heritage-life-insurance-review\/","headline":"Your 2025 Guide to Lincoln Heritage Life Insurance","name":"Your 2025 Guide to Lincoln Heritage Life Insurance","description":"Quick Navigation Links Show 1 Lincoln Heritage Life Insurance Review 2 Lincoln Heritage Insurance Company History 3 Lincoln Heritage Life Insurance Ratings 4 Lincoln Heritage Final Expense Insurance 5 What is Final Expense Life Insurance? 6 What are the benefits of Final Expense Insurance? 7 Who should buy Final Expense Insurance? 8 Lincoln Heritage Funeral.. <a class=\"moretag\" href=\"https:\/\/www.easyquotes4you.com\/lincoln-heritage-life-insurance-review\/\">More<\/a>","datePublished":"2020-11-17","dateModified":"2025-12-03","author":{"@type":"Person","@id":"https:\/\/www.easyquotes4you.com\/author\/site-admin\/#Person","name":"Rob Pinner","url":"https:\/\/www.easyquotes4you.com\/author\/site-admin\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/e4da538e10e071b419f4843e8193941a0ff5ad58e937daa177fa846a5124dc4d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/e4da538e10e071b419f4843e8193941a0ff5ad58e937daa177fa846a5124dc4d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Rob Pinner","logo":{"@type":"ImageObject","@id":"https:\/\/www.easyquotes4you.com\/wp-content\/uploads\/2018\/09\/logo-shape-e1536791917640.png","url":"https:\/\/www.easyquotes4you.com\/wp-content\/uploads\/2018\/09\/logo-shape-e1536791917640.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.easyquotes4you.com\/wp-content\/uploads\/2020\/11\/Lincoln-Heritage.jpg","url":"https:\/\/www.easyquotes4you.com\/wp-content\/uploads\/2020\/11\/Lincoln-Heritage.jpg","height":686,"width":1200},"url":"https:\/\/www.easyquotes4you.com\/lincoln-heritage-life-insurance-review\/","about":["Reviews"],"wordCount":1387,"keywords":["lincoln heritage final expense","lincoln heritage funeral advantage","lincoln heritage insurance company","lincoln heritage life","lincoln heritage life insurance","lincoln heritage life insurance company"],"articleBody":"            Quick Navigation Links                                    Show                                                    1                Lincoln Heritage Life Insurance Review                                2                Lincoln Heritage Insurance Company History                                3                Lincoln Heritage Life Insurance Ratings                                4                Lincoln Heritage Final Expense Insurance                                5                What is Final Expense Life Insurance?                                6                What are the benefits of Final Expense Insurance?                                7                Who should buy Final Expense Insurance?                                8                Lincoln Heritage Funeral Advantage                                9                Funeral Consumer Guardian Society                                10                Pro\u2019s of Lincoln Heritage Insurance Company                                11                Con\u2019s of Lincoln Heritage Life Insurance Company                                12                Lincoln Heritage Life Sample Rates                                13                CHECK OUT OUR LIST OF THE TOP FINAL EXPENSE COMPANIES HERE                                14                Male Non-Tobacco                                15                Female Non-Tobacco                                16                Final Thoughts                                17                Is Lincoln Heritage Life Insurance a good company?                                18                What type of products does Lincoln Heritage offer?                                19                How long has Lincoln Heritage been in business?        Lincoln Heritage Life Insurance ReviewWelcome to EasyQuotes4You and thank you for visiting our page. If you landed here you must be looking for some answers about Lincoln Heritage Life Insurance. In this article we will review Lincoln Heritage\u2019s history, ratings, and products that are offered to consumers. We hope this answers any questions you may have. Oh yeah, we will also include current rates for you to compare.Lincoln Heritage Insurance Company HistoryLincoln Heritage Insurance Company was founded in 1963 by Jack Londen and his wife Doris \u201cDodie\u201d Londen. Jack provided final expense insurance quotes for consumers that were looking to protect there loved ones from the rising funeral costs. During the first year, Jack was the only salesman while Dodie was the home office staff. Jack\u2019s sons would also help by typing the first commission\/claim checks. This what you refer to as a true \u201cMom and Pop\u201d business.Today Lincoln Heritage Insurance Company insures more than 1 million households and is the leader in Final Expense Life Insurance. Last year alone they paid out over 198 million in claims.Lincoln Heritage Life Insurance RatingsWhen you purchase life insurance, the company\u2019s financial ratings should be an important part of your decision process. The reason for this is a company\u2019s ratings gives you a clear picture into how well they will be able to pay claims. Lincoln Heritage Life Insurance boasts an \u201cA-\u201d (Excellent) with A.M. Best and and \u201cA+\u201d with the Better Business Bureau (BBB). Lincoln Heritage is a strong financially and shouldn\u2019t have any problems when it comes to paying claims. Lincoln Heritage Final Expense InsuranceAs we mention before, Lincoln Heritage Life Insurance Company is the leading provider in final expense life insurance in the United States. Before reviewing Lincoln Heritage\u2019s final expense product, we will examine what final expense insurance is.What is Final Expense Life Insurance?Final Expense Insurance, also referred to as burial insurance or funeral insurance, is a simplified issue whole life policy designed to cover the cost of funeral expenses and minor debt, such as medical bills. Typically coverages are between $5,000 to $50,000 with most issue ages starting at 50. These policies are simplified issue with limited health questions.What are the benefits of Final Expense Insurance?Policies are good for your WHOLE lifePolicies can\u2019t be canceled due to your age or healthMonthly premiums will never increaseThe death benefit will never decreasePolicies build cash value over timeEasy application &amp; quick approvalWho should buy Final Expense Insurance?Final Expense Insurance is a great option for consumers who have had health problems in the past, but needs protection from expensive funeral costs or medical bills.If you are looking for lifetime coverage then final expense insurance is worth checking out. Premiums are guaranteed for the life of the contract and final expense insurance builds up cash value. So if you are between the age of 50-85, have no life insurance to cover final expenses, and have no savings: final expense insurance is a good option for you. Lincoln Heritage Funeral AdvantageLincoln Heritage Life Insurance Company offers one final expense plan only, it is called the Funeral Advantage. The Funeral Advantage is the best selling final expense plan in America.The Funeral Advantage is a whole life policy with face amounts up to $20,000. Issue ages are from 40-85 years old. It also provides a guaranteed premium and a cash value that grows over time. Another major advantage to Lincoln Heritage\u2019s Final Expense program is that the application process is simple and doesn\u2019t require an medical exam. The Funeral Advantage is not guaranteed issue and comes with either immediate coverage or their modified plan. You will qualify for the Funeral Advantage modified plan if you have been diagnosed or treated for the following in the past two years:Heart disease&nbsp;including Heart AttackHeart SurgeryCongestive Heart FailureAngina PectorisAlzheimer\u2019s disease or DementiaOrganic Brain SyndromeALSDisease of the Circulatory SystemStrokeTIAAneurysmCancerAny form of Malignancy other than Basal Cell Skin CancerCOPDEmphysemaOxygen to assist in breathingLiver disease including Cirrhosis or Hepatitis CKidney disease including Kidney DialysisOrgan TransplantAlcohol abuse or drug abuseInsulin ShockAmputationDiabetic ComaBlindnessKidney DisorderThe Funeral Advantage modified plan pays a limited death benefit the first 2 years if you are age 40-50 years old. If you are age 50-85 then the modified plan has a 3 year limited death benefit. When we say limited death benefit, we mean:If death occurs naturally during the limited death period, the claim paid would be premiums returned plus 10%. If death is caused by accident during the limited death period, full benefits are paid. You can be turned down for the Funeral Advantage if you answer yes to the following questions:1. Has the proposed insured been diagnosed, by a physician, with terminal illness or AIDS (Acquired Immune Deficiency Syndrome)?2. Is the proposed insured currently incarcerated, hospitalized, in a care facility or receiving hospice care?The Funeral Advantage is customizable by offering two riders that can be added to the policy. They are:Accidental Death RiderChild RiderFuneral Consumer Guardian SocietyThe Funeral Consumer Guardian Society (FCGS) is a senior advocate group that helps it\u2019s member with the planning of funeral services. They state on there website that they are not tied to any religion, cemetery, funeral home, or any particular funeral approach.FCGS helps execute funeral wishes, helps arranging funerals, and also helps shop funeral homes for your family for the best rates.The good news is that all Lincoln Heritage Life Insurance policies come with a FCGS membership. The bad news is it isn\u2019t free, even if you don\u2019t need help with funeral arrangements. It\u2019s built into the price.Pro\u2019s of Lincoln Heritage Insurance CompanyThe top provider in Final Expense InsuranceFinancially StrongExcellent Customer ServiceSpecializes in Final Expense InsuranceCon\u2019s of Lincoln Heritage Life Insurance CompanyOnly one program to choose fromUnderwriting is more strict than most final expense productsPremiums are higher than most other companiesLincoln Heritage Life Sample RatesAs we mentioned above, one of the cons with Lincoln Heritage is that there rates tend be higher than most other final expense life insurance companies. Sample rates are below:CHECK OUT OUR LIST OF THE TOP FINAL EXPENSE COMPANIES HEREMale Non-TobaccoFemale Non-TobaccoFinal ThoughtsSo their you have it, a detailed review of Lincoln Heritage Life Insurance Company and there product (Funeral Advantage). While Lincoln Heritage Insurance Company is the leader in final expense insurance sales, has strong ratings, and great customer service, there rates leave a little to be desired.It\u2019s important to always get multiple quotes from an independent agent to ensure you get the best possible policy for you and your family. Thanks for reading and if you have any questions, let us know.\t\t\t\t\t\tIs Lincoln Heritage Life Insurance a good company?\t\t\t\t\t\t\t\t\t\t\t\t\t\tYes, Lincoln Heritage is a great company. They boast an A- rating with A.M. Best and an A+ rating with the BBB.\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tWhat type of products does Lincoln Heritage offer?\t\t\t\t\t\t\t\t\t\t\t\t\t\tLincoln Heritage only offers one type of policy, final expense life insurance. There one product offered is called the Funeral Advantage.\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tHow long has Lincoln Heritage been in business?\t\t\t\t\t\t\t\t\t\t\t\t\t\tLincoln Heritage Insurance Company was founded in 1963 by Jack Londen and his wife Doris \u201cDodie\u201d Londen. Jack provided final expense insurance quotes for consumers that were looking to protect there loved ones from the rising funeral costs.\t\t\t\t\t\t\t\t\t\t{\t\t\"@context\": \"https:\/\/schema.org\",\t\t\"@type\": \"FAQPage\",\t\t\"mainEntity\": [\t\t\t\t\t{\t\t\t\t\"@type\": \"Question\",\t\t\t\t\"name\": \"Is Lincoln Heritage Life Insurance a good company?\",\t\t\t\t\"acceptedAnswer\": {\t\t\t\t\t\"@type\": \"Answer\",\t\t\t\t\t\"text\": \"Yes, Lincoln Heritage is a great company. They boast an A- rating with A.M. 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