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Lincoln Heritage life insurance review December 2021

Wide coverage and payouts within a day on funeral insurance's rating: 4 / 5


  • Get a quote if… you need to cover burial expenses and want help with funeral planning.
  • Pick something else if.. you’re looking for term or standard whole life insurance.

1 to 85

Issue Age

$5,000 to $20,000


Not required

Medical Exam Required


Policies Funeral insurance
Coverage maximum $20,000
Term lengths Permanent life insurance
Medical exam required Not required
Available states All states, except New York
Issue age 30 days to 85 years old


  • No medical exam
  • Claims paid in 24 hours
  • Free funeral and will planning
  • Covers nearly any age


  • Funeral insurance only
  • No online quotes
Riders No info available

Review by

Sarah George is an insurance writer at Finder who’s penned over 400 articles, unraveling complicated topics about car, home and life insurance. Her insurance know-how has been featured in online publications, including Breeze, CBS, CNET and, as well as Finder’s YouTube channel. Sarah is working to become a Certified Educator in Personal Finance (CEPF).

Expert review

Lincoln Heritage is a specialty life insurance company that covers your needs for end-of-life expenses. The company prides itself on its quick claim payouts, and helps families plan funerals by comparing costs for and connecting you with funeral homes.

Dozens of customers sing its praises as a family-run business for customer service that feels local and personal.

On the other hand, multiple complaints from customers deal with aggressive sales tactics and billing problems. And its lack of online services and limited insurance products can turn some customers away.

But its A+ BBB rating and solid customer service rating makes this a solid choice for funeral insurance — especially for those with health conditions with its no-medical exam policies. If Lincoln Heritage doesn’t have the insurance policy you need, consider other life insurance companies.

Lincoln Heritage life insurance rates

Lincoln’s final expense policy, called Funeral Advantage, could cost anywhere from $15 to $130 monthly, which is typical for this type of policy.

What affects my rate with Lincoln Heritage?

Your actual cost could vary based on a few factors:

  • Your age
  • Overall health
  • Job and hobbies
  • Coverage limit

How to get a quote from Lincoln Heritage life insurance?

To receive a funeral insurance policy from Lincoln Heritage, follow these steps to start your application online or call:

  1. Click the Free quote tab on the website or call 800-438-7180.
  2. Fill in your name, address, phone number, email and age.
  3. Choose how you found out about Lincoln Heritage.
  4. Click Get my quote.
  5. Wait for an insurance rep to contact you by phone or email.
  6. Give additional details about the amount of coverage you want.
  7. If you want to continue, sign any necessary paperwork and finalize your payment.

What types of life insurance coverage does Lincoln Heritage offer?

Lincoln Heritage offers up to $20,000 in final expense insurance coverage designed to help your loved ones pay for your funeral and other end-of-life expenses. Sometimes called burial insurance, this whole life product lets you borrow against your policy after a set time period.

What riders can I add to my policy?

Lincoln Heritage doesn’t list which add-ons are available on its website, but we know it offers an accidental death benefit rider. This benefit adds up to $100,000 in coverage if your death is caused by an accident, such as a car accident.

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Lincoln Heritage life insurance reviews and complaints

This life insurance company holds an A+ rating with the Better Business Bureau (BBB) as of October 2020. Customers also give Lincoln Heritage an average 4 out of 5 stars from over 80 BBB reviews.

However, Lincoln Heritage has 64 complaints on file with the BBB. About a dozen of those were answered within the 12 months before May 2020. Most complaints are about the company’s aggressive sales tactics, while others say the company withdraws more money for premiums than they agreed to.

AM Best financial rating A-
BBB accredited Yes
BBB rating A+
4.3/5 out of 136 customer reviews
Customer reviews verified as of 28 October 2021

Compare life insurance companies like Lincoln Heritage

To cover more than just final expenses, consider term life insurance policies that cover a wider range of debts once you die.

Name Product Issue age Minimum Coverage Maximum Coverage Term Lengths Medical Exam Required
18 - 60 years old
5, 10, 15, 20, 25 and 30 years
Compare 40+ insurers and apply online to get the lowest possible price — no medical exam required.
20 - 60 years old
10, 15, 20, 25 or 30 years
No, for coverage up to $3M
Apply for term life insurance online without the medical exam. Get an instant decision and adjust your coverage at no charge.
Policygenius - Life Insurance
18 - 85 years old
10, 15, 20, 25, 30 years
Depends on provider and policy
Compare 12+ top insurers side-by-side to get the best possible deal, and shop return of premium policies online.
Everyday Life
20 - 75 years old
10, 15, 20, 25, 30, 35 and 40 years.
Ladder multiple life insurance policies to save on the coverage you need for all your debts.
18 - 60 years old
10, 15, 20, 25, 30 years
Get a quote in less than 10 minutes with on-the-spot approval and no medical exam.
21 - 60 years old
10, 15, 20, 25 or 30 years
Depends on policy
No-exam term policies up to $1 million online, with the option to upgrade to permanent life insurance later.

Compare up to 4 providers

Frequently asked questions about Lincoln Heritage life insurance

Life insurance ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

Our experts analyze life insurance companies to help you to find the strongest possible policy and premium for your family’s needs. We assess their financial strength, customer satisfaction, policy features and riders. We then give each insurer a score between one and five stars that reflects their offering and reputation in the industry.

Learn more about our methodology.

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