Lincoln Heritage life insurance, reviewed.
Lincoln Heritage is one of the largest insurers in the country dedicated to final expense, best known for its Funeral Advantage program — final-expense whole life paired with family support through the Funeral Consumer Guardian Society. The bottom line: a large, specialist choice with a real differentiator, worth setting beside other A-rated carriers on price.
✓ Independent & consumer-first✓ 26 years in business✓ Every major carrier reviewed✓ Licensed in all 50 states
What it does well
Built around final expense, and one big extra.
Lincoln Heritage focuses on one job — final expense — and adds family support most carriers don’t. These are the reasons it stands out.
A dedicated final-expense specialist
Lincoln Heritage is one of the largest insurers in the country focused on final expense — this is the coverage it’s built around, not a sideline.
The Funeral Advantage program
Its signature offering pairs final-expense whole life with a membership benefit designed around the moment a family needs help most.
FCGS family support
Membership in the Funeral Consumer Guardian Society helps your family with funeral planning, price comparison, and support at claim time (per Lincoln Heritage).
Part of the Londen Insurance Group
Lincoln Heritage Life Insurance Company is based in Phoenix, Arizona and part of the Londen Insurance Group — a long-standing organization in this space.
Simple to set up
Coverage is simplified-issue: a few health questions, no medical exam, and a level premium that’s easy to understand from the start (per Lincoln Heritage).
Level premium whole life
The coverage is whole life: the premium doesn’t increase, the protection doesn’t expire, and it builds modest cash value over time (per Lincoln Heritage).
Want Lincoln Heritage’s number for your age? A licensed professional will run it and compare it to the market. No obligation.
Call (888) 959-0710Funeral Advantage
Whole life coverage, plus family support.
Funeral Advantage is built so the coverage is simple to set up and the membership benefit shows up when a family needs it most (per Lincoln Heritage):
Coverage
Simplified-issue whole life
A few health questions and no medical exam. The premium is level, the coverage doesn’t expire, and it builds modest cash value over time.
FCGS
Funeral Consumer Guardian Society
Membership that helps your family with funeral planning, price comparison, and support at claim time — the part that sets the program apart.
Compare the market
Where final-expense pricing tends to land.
Lincoln Heritage isn’t in this sample, so here’s the broader final-expense market for one common profile — a feel for where A-rated carriers price. Rates move with age, sex, health, and state, so the aim is to set Lincoln Heritage beside these for your profile:
| Carrier | Product | Monthly · $10,000 |
|---|---|---|
| Transamerica | Immediate Solution | $40.73 |
| Mutual of Omaha | Living Promise | $41.01 |
| Americo | Eagle Select 1 | $41.63 |
| Foresters Financial | PlanRight | $43.38 |
| Aflac | Final Expense | $43.99 |
| Corebridge Financial | SimpliNow | $44.79 |
| American-Amicable | Senior Choice Immediate | $47.05 |
| American-Amicable | Golden Solution Immediate | $47.48 |
| CVS Health | Final Expense | $47.60 |
Sample monthly rates: female, age 65, $10,000 level coverage, North Carolina, best available class, as of June 2026. Rates vary by state, age, sex, health, and underwriting class. Quotes are estimates, not offers. Your figure depends on your own profile.
Is it a good fit?
A strong fit when the family support matters most.
Lincoln Heritage is a natural fit if the Funeral Advantage program speaks to you — final-expense whole life that’s simple to set up, from a large specialist, with FCGS support for your family at the moment it counts.
Its edge is that program. Whether it’s also your best value on price depends on how its rate compares to other A-rated carriers for your age and health — and the only way to know is to set it beside two or three others. That comparison is free.
The Funeral Advantage program is a genuine differentiator. We still compare the rate to the market — because the right answer balances that benefit against price.
Already have a policy?
Confirm you’re getting their best rate.
If you already hold a Lincoln Heritage policy, a licensed professional will read it with you and check whether the same premium could buy more elsewhere — while keeping the Funeral Advantage benefit in view. Often you’re in good shape, and we’ll say so plainly.
Free · no obligation · Mon-Sat · 10am-9pm
- Whether your coverage is the immediate or graded version
- How the Funeral Advantage and FCGS benefits fit your plan
- Whether another A-rated carrier beats it for your profile
- That your beneficiary is current and correct
Straight answers
Lincoln Heritage questions, answered.
By Braxton Mondell, licensed in all 50 states · Updated June 2026
01Is Lincoln Heritage life insurance good?
Yes — it’s one of the largest insurers dedicated to final expense, and its strength is the Funeral Advantage program, which adds family support to the coverage. Whether it’s the best value for you depends on comparing its rate to other A-rated carriers, which a free review does.
02What is the Funeral Advantage program (and FCGS)?
Funeral Advantage pairs Lincoln Heritage final-expense whole life with membership in the Funeral Consumer Guardian Society (FCGS). Per Lincoln Heritage, FCGS helps your family with funeral planning, price comparison, and support at claim time — the membership benefit that sets the program apart.
03What does Lincoln Heritage cover and how does final expense work?
It’s simplified-issue final-expense whole life: a few health questions, a level premium that doesn’t increase, and coverage that doesn’t expire and builds modest cash value. The benefit is paid to your family to help with funeral and end-of-life costs (per Lincoln Heritage).
04How much does Lincoln Heritage cost?
It depends on your age, sex, health, coverage amount, and state. A common final-expense profile is around $10,000 of coverage — but that’s an illustration, not a quote. A quick call gives you a real figure for your situation and sets it beside the broader market.
05Is there a waiting period with Lincoln Heritage?
Per Lincoln Heritage, those who qualify on the health questions can receive day-one (immediate) coverage, while graded options are available for tougher health, with a benefit that builds over the first couple of years. A review tells you which you’d qualify for.
06How do I reach Lincoln Heritage customer service?
Existing policyholders can reach Lincoln Heritage at lincolnheritage.com or the number on their policy. If you’d like someone to read your policy with you first, a licensed professional on our team can do that and help you contact the carrier.
This is an independent review. Policy Review Center is not affiliated with or endorsed by Lincoln Heritage or the Londen Insurance Group; product names are used for identification only. Plan details come from the carrier and can change — confirm current terms with Lincoln Heritage. Educational only, not financial advice; any coverage changes are completed through licensed insurance professionals.
See every option. Then choose.
Call and a licensed professional will compare Lincoln Heritage against the broader market for your age and health — and tell you straight which gives you the most.