Lincoln Heritage Life Insurance Review

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Updated: May 22, 2024

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MoneyGeek’s Take: Is Lincoln Heritage Right for You?

Lincoln Heritage may be ideal for those who are looking for a policy that can help their loved ones with funeral costs, such as seniors or people who are living with serious medical conditions.

It might not be a good fit for people who are looking for term, universal or whole life insurance. State Farm can be a great option for universal life insurance, and it provides multiple options that can fit many needs. Northwestern Mutual offers whole life insurance that provides dividends and hybrid terms. If you’re looking for term insurance, you can consider Mutual of Omaha for its competitive rates and quality service.

Nevertheless, our Lincoln Heritage review can help you make an informed decision if you need the policy to prepare for final expenses in the future. It might open you to more options while shopping for life insurance.

At a Glance: Lincoln Heritage Life Insurance

Lincoln Heritage



Online quote request


No medical exam needed



Only offers final expense insurance


Lincoln Heritage has a Funeral Advantage Program, which helps clients with funeral expenses. This final expense insurance program is accessible and affordable, with rates that start at $15 per month.

The Funeral Advantage Program can give cash benefits of up to $20,000. Although it’s a funeral program, beneficiaries can use the death benefit for other purposes, such as paying off debts, mortgage and medical bills. Policyholders can also add coverage of up to $100,000.

This company does not require a health examination to apply. You must answer a few health questions during your application to be approved for coverage. The application process is also easy, with Lincoln Heritage only having a one-page application.

Its services are available in all 50 states and Washington, DC. According to the National Association of Insurance Commissioners (NAIC), Lincoln Heritage had a complaint index of 1.15 in 2022, which means it gets more customer complaints than expected in the industry.

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Ensure you’re getting the best rate for your life insurance. Compare quotes from top providers to find the most affordable life insurance coverage for your needs.

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Key Takeaways

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Lincoln Heritage only offers final expense insurance.

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People with health problems still have a high chance of being approved for a policy.

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Seniors can benefit from final expense insurance the most.

Lincoln Heritage Policy Options Explained

According to a 2022 LIMRA study, 68% of individuals feel more secure merely because they have a life insurance policy. Family members and loved ones may also feel more secure if they can receive financial assistance for funeral costs.

Final Expense Insurance Options From Lincoln Heritage

Lincoln Heritage specializes in final expense insurance, which is a policy seniors can benefit from if they do not want their family to have to cover the costs of a funeral or unpaid debts.

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    Funeral Advantage

    Lincoln Heritage gives its clients accessible life insurance by simplifying the application process for its final expense policy. It has a cash benefit of up to $20,000, round-the-clock customer service and a representative to help family members with funeral costs.

Seniors can benefit from final expense life insurance to ease the burden on their loved ones in the event of their passing. It would also be of good use for people who have small coverage needs or those facing serious health issues.

Compare Life Insurance Rates

Ensure you’re getting the best rate for your life insurance. Compare quotes from top providers to find the most affordable life insurance coverage for your needs.

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Lincoln Heritage Life Insurance Riders

A life insurance rider is an addition to your policy. It can increase your coverage or give you more benefits.


Accidental Death Rider

Funeral Advantage allows policyholders to increase their coverage by up to $100,000 with the
Accidental Death rider.

How to Get Lincoln Heritage Life Insurance

MoneyGeek created a guide for finding the right life insurance policy and what it takes to get a Lincoln Heritage policy.

How to Buy Life Insurance From Lincoln Heritage

Do Your Research

It’s important to read several resources on life insurance before purchasing a life insurance policy. Your research can give you an idea of what kind of policy you need based on your age, health, financials and other factors and whether Lincoln Heritage’s Funeral Advantage is a good fit.

Compare Quotes

Some insurance companies provide online quotes. Consider checking different insurers and ask for a quote. Then, you can compare these quotes to find the best fit for your budget and evaluate whether an insurer meets your needs. Lincoln Heritage has an online quote request tool you can use.

Health Check

Insurance companies can ask about your health during the application process. Some companies can have thorough health checks, while others have less stringent measures. Lincoln Heritage, for example, doesn’t require a health examination to apply.


If Lincoln Heritage approves your application, you get your policy. Don’t forget to pay your premiums. You can contact your agent if you need more information about your coverage.

What to Do if Lincoln Heritage Insurance Denies You Coverage

Contact Your Broker

Ask your Lincoln Heritage broker why you were denied a policy. The feedback can help you improve your chances with a different insurer or with the company if it’s an easy-to-fix issue.

Lifestyle Changes

Life insurance companies can put applications on hold because of health reasons. They can approve these applications if a customer’s health improves. Making changes to your lifestyle may help you get life insurance and at a better rate.

Explore Other Options

If Lincoln Heritage denies you a life insurance policy, look at other companies that offer final expense insurance or whole life. The rate may be higher, but you can get the coverage you need.

Frequently Asked Questions About Lincoln Heritage Life Insurance

MoneyGeek answered important questions about Lincoln Heritage life insurance to help you decide if this is the best company for you.

Can you borrow from your Lincoln Heritage life insurance policy?
What’s the maximum amount of life insurance coverage available from Lincoln Heritage?
Do life insurance policies from Lincoln Heritage pay dividends?
Can you get life insurance from Lincoln Heritage if you have cancer?
Do life insurance policies from Lincoln Heritage cover death by drug overdose?
Do life insurance policies from Lincoln Heritage cover death by suicide?