Is Lincoln Heritage Life Insurance Legit? Overview, Contact Information, Products, Pros And Cons

Is Lincoln Heritage Life Insurance Legit? A Comprehensive Review

Selecting a life insurance policy should not induce stress.

Nevertheless, navigating through various companies and policy options can be overwhelming.

Lincoln Heritage is among the companies that cater to a specific need in the life insurance market – final expenses.

We aim to simplify your life insurance shopping experience.

Is Lincoln Heritage Life Insurance Legit
Is Lincoln Heritage Life Insurance Legit: Photo(LHLIC)

In this review, we will delve into the company’s history, financial stability, and product offerings to assist you in determining whether Lincoln Heritage is a suitable choice for you and your family.

Lincoln Heritage Life Insurance Company Overview

Lincoln Heritage established itself on the principle that coping with the loss of a loved one is challenging enough.

And the process of claiming insurance and handling funeral details should not add to the complexity.

Founded in 1963 by Jack Londen when he left another insurance job to pursue his vision.

The company’s focus is on providing peace of mind to families.

This commitment holds, regardless of health history.

Londen placed the well-being of families above profits.

The company remains committed to these principles, ensuring prompt claims processing to spare grieving families unnecessary waiting and anxiety.

It continues to operate as a family business, with Londen’s wife and children managing the company.

Today, Londen’s grandchildren hold key leadership roles, preserving their grandfather’s legacy of service to policyholders.

Lincoln Heritage is not just a life insurance company; it is often referred to as a burial insurance or funeral insurance company.

This distinction means they not only process claims but also assist families by shielding them from exorbitant funeral costs.

Lincoln Heritage actively supports charitable causes, including Helping Hands for Freedom, the Arizona Cancer Foundation for Children, and United Way.

They contribute through donations, volunteer efforts, and participation in charity events, extending their impact beyond policyholders to benefit the broader community.

Lincoln Heritage Life Insurance Company Contact Information


Phone Number: (800) 433-8181

Address: 4343 E Camelback Road Suite 400, Phoenix, AZ 85018


Customer Service:


Phone: 800-930-7459

Is Lincoln Heritage Life Insurance Legit? Financial Strength and Ratings

The heartwarming story above suggests that Lincoln Heritage is a company worth considering.

However, it’s crucial to move beyond the company’s history and assess its financial strength.

A.M. Best, the premier rating agency, gives Lincoln Heritage an “A-”, indicating an Excellent rating, measuring their ability to fulfill financial commitments, such as paying out policies.

In the last year, the company paid out over $198 million in claims, reflecting solid financial performance.

Lincoln Heritage also holds a high rating from the Better Business Bureau, receiving an “A+”, its highest mark.

With this track record, Lincoln Heritage emerges as a reliable and financially stable company for you and your family.

Also Read: Is honeycomb insurance legit? Legitimacy Insights

Is Lincoln Heritage Life Insurance Legit?Products

Is Lincoln Heritage Life Insurance Legit
Is Lincoln Heritage Life Insurance Legit: Photo( Resource Directory)

Lincoln Heritage offers a single life insurance policy through their Funeral Advantage program.

Funeral Advantage is designed to assist families facing the challenges of losing a loved one.

It goes beyond merely approving claims, offering Family Support Services.

This service provides access to a representative who can assist in planning the funeral, and it comes at no additional cost.

Key details about Lincoln Heritage Funeral Advantage include:

  • Death benefit of up to $20,000
  • No medical exam required
  • Simplified online application

Additionally, you have the option to add accidental death coverage up to $100,000.

Additional Resources

Lincoln Heritage’s website provides valuable resources for customers, offering tips on funeral planning and life insurance.

These include considerations like cremation versus burial, steps to take when a loved one passes away, and guidance on selecting a life insurance agent.

The articles on the website contribute to a more comfortable and personable image of the company, assuring customers that Lincoln Heritage genuinely cares.

Furthermore, Lincoln Heritage provides estimations on the potential costs of a funeral or cremation.

With these tools, Lincoln Heritage aims to simplify funeral planning, empowering you and your family with the information needed to make informed decisions

How to Apply for Lincoln Heritage Final Expense Product

Lincoln Heritage prioritizes a quick, easy, and painless application process for its Final Expense product.

  1. Get a Quick Quote: Start by obtaining a free quote on the company’s website.
  2. Streamlined Application: Lincoln Heritage aims to simplify the application process, ensuring customers secure coverage swiftly. The one-page application can be completed online or over the phone with an insurance representative.
  3. Customer Service Support: Knowledgeable customer service representatives are ready to assist, answering questions and facilitating policy setups.

Also Read: Is Kemwel Insurance Legit : A Comprehensive Review

Is Lincoln Heritage Life Insurance Legit? Pros And Cons


There are several reasons to consider working with Lincoln Heritage:

  1. Quick and Easy Application: The company offers a swift application process that can be completed from the comfort of your home, bypassing lengthy underwriting.
  2. No Exam Coverage: Lincoln Heritage does not impose stringent health requirements or require a medical exam for its policies.
  3. Simple Product: The burial insurance product is straightforward and easy to obtain.
  4. Family Support Services: The inclusion of Family Support Services proves invaluable for grieving families, aiding in planning and executing a funeral with minimal additional stress.
  5. Online Quotes: Lincoln Heritage provides online quotes, offering transparency in policy cost expectations.


Despite its advantages, there are a few drawbacks to consider:

  1. Limited Availability: Lincoln Heritage’s policies are not available in all 50 states, potentially restricting coverage based on your location.
  2. Demographics: While beneficial for older applicants, final expense insurance may not be the optimal choice for younger policyholders.
  3. Lack of Variety: Lincoln Heritage lacks the variety of term, whole, and universal life policies sought by many insurance shoppers.


Lincoln Heritage Funeral Advantage stands out as an excellent life insurance option, especially for applicants aged 40 to 85.

The company’s commitment is evident throughout its website, emphasizing speedy payouts and active assistance to families during the funeral process.

For individuals in the later stages of life, Lincoln Heritage warrants serious consideration.

Few life insurance companies go to such lengths to ensure both prompt payouts and comprehensive support throughout the funeral journey.

As always, conduct thorough research, and obtain quotes from other leading providers to maximize the benefits of your life insurance decision.

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