Lincoln Heritage Final Expense Insurance

Lincoln Heritage Life Insurance Company: An Overview, Products, and Reviews

Lincoln Heritage Life Insurance Company is one of the leading providers of final expense insurance in the United States. Established in 1963, it has earned a reputation for its comprehensive coverage, customer-focused approach, and reliable claims service. This article provides an overview of Lincoln Heritage, its insurance products, and some reviews that highlight the company’s strengths and areas of concern.

Lincoln Heritage: Company Overview

Based in Phoenix, Arizona, Lincoln Heritage Life Insurance Company has over five decades of experience providing final expense insurance to families across the nation. They are licensed in 49 states and the District of Columbia, and have over a million policies in force. Lincoln Heritage prides itself on offering straightforward policies with simplified underwriting, as well as quick and efficient claims processing—usually within 24 hours of claim approval.

Lincoln Heritage’s Insurance Products

Lincoln Heritage’s flagship product is their Funeral Advantage Program, a final expense insurance product. This is broken down into two components:

  1. Life Insurance Cash Benefit: This is the policy that provides a death benefit to help cover funeral and other final expenses. The benefit amount typically ranges from $5,000 to $25,000, depending on the policyholder’s preferences. The premiums for these policies do not increase as the policyholder ages, and the benefits do not decrease over time.
  2. Family Support Services: Lincoln Heritage also provides free access to a team of professional family support representatives who assist beneficiaries in filing and managing insurance claims.

It’s worth noting that while many insurers offer a range of insurance products, Lincoln Heritage focuses primarily on final expense insurance. By specializing in this area, they’ve developed a deep understanding of the product and the needs of their customers.

Reviews of Lincoln Heritage Life Insurance Company

As with any insurance company, Lincoln Heritage has both positive and negative reviews.

On the positive side, many customers appreciate the company’s swift claims process, reporting that they received payouts within a few days of submitting the necessary paperwork. Customers have also praised the compassionate and professional service they received, especially during challenging times.

Negative reviews tend to focus on perceived high premiums and customer service issues. Some customers have expressed dissatisfaction with the cost of their policies, suggesting that other insurers may offer similar coverage at lower rates. It’s also worth noting that while many customers have praised the company’s customer service, others have reported difficulties in contacting representatives and resolving issues.


Lincoln Heritage Life Insurance Company is a seasoned player in the final expense insurance market. Their focus on this niche has allowed them to refine their product offering and claims process, leading to widespread customer satisfaction. However, potential policyholders should still carefully evaluate their options, comparing prices and customer service reviews, to ensure they choose a policy that best meets their needs and budget. As with any financial decision, it’s important to do thorough research and consider seeking advice from a financial advisor or insurance professional.