We Are The Leading Final Expense Insurance Company

About Lincoln Heritage Life Insurance Company®

Since 1963, Lincoln Heritage has strived harder than any other company to provide the best customer service in the final expense life insurance industry. At the time, final expense claims could take several months to be paid to beneficiary families. The concept of fast claims payment and 24-hour service was unheard of. As such, our founding mission was to set a new standard for prompt, friendly, and accurate life insurance services. Today, we are the national leader in this market because of our commitment to exceptional customer service to our agents and policyholders. We truly believe the customer comes first. Because of this, we have become experts at what we do. Each and every day we are committed to doing a better job of serving you and our other valued customers. The cornerstone of our daily operations is still old-fashioned, personalized service.

For us, exceptional service means live people answering phones rather than computers, processing payment of approved benefits within 24-hours, and providing support to our policyholders’ families upon their passing. As a family-owned and operated company with representatives in 49 states and over 1 million policies in-force valued at more than $8.7 billion, we don’t answer to the quarterly demands of Wall Street. We answer to a higher calling. We take the long view in managing our business, building something of lasting value that we can be proud of today and in the decades to come.

Lincoln Heritage Life Insurance Company has an A+ rating with the Better Business Bureau and an A- (Excellent) rating with A.M. Best. A.M. Best is an organization that evaluates the financial strength of insurance companies.

More than one million policyholders depend on Lincoln Heritage Life Insurance Company to be by their side in their time of need and thousands of agents take pride knowing their hard work serves families in their communities. The need for a financial safety net is growing and increasingly underserved, giving us a real opportunity to help people across the country get the protection they need – at a price they can afford.

Last year alone we paid over $198 million in claims. We receive hundreds of customer testimonials every year from people who have experienced our fast claims service and exceptional customer service.

What You Get With
Funeral Advantage

What You Get With
Other Final Expense Plans

Green Check Mark Icon

Fast Cash to Cover Final Expenses

Red X Icon

Families can pay funeral bills and wait for reimbursement

Green Check Mark Icon

Approved Claims Paid in 24 Hours

Red X Icon

Benefits check can take weeks or months to reach your family

Green Check Mark Icon

Expert Price Guidance
Professional funeral cost advice and price savings

Red X Icon

No guidance or savings

Green Check Mark Icon

Emotional Support
Caring and experienced help for your loved ones

Red X Icon

No support offered

Green Check Mark Icon

Simplified Coverage
Just a one-page application

Red X Icon

Confusing insurance applications

Green Check Mark Icon

Easy Qualifications
No medical exam, just simple health questions

Red X Icon

Medical exams?
Tests, background checks?

Green Check Mark Icon

Affordable Monthly Rates
Perfect for families on a fixed income

Red X Icon

Low “intro” rates, such as $1 for the first month, quickly increase

Free Info & Quote

Get state-specific facts on funeral costs, funeral planning, and more by filling out the form below.

Our Community Involvement

Lincoln Heritage Life Insurance Company is proud to support the efforts of the following organizations:

AZ School Choice Trust offers hope and opportunity to low-income families by awarding scholarships for private school attendance.

Juvenile Diabetes Research Foundation fights against type 1 diabetes by funding research and providing a network of support for millions of people around the world.

United Way works to empower communities around the world by providing health, education, and financial opportunities to people in need.

Helping Hands For Freedom assists military and Gold Star families that have lost a loved one or are suffering with injuries from combat.

A- excellent rating by A.M. Best

Rated A- Excellent by A.M. Best


Rated A+ by the Better Business Bureau (BBB)

60 YEAR x600

Since 1963