The Truth About Lincoln Heritage Funeral Advantage [2021 Review]

The Lincoln Heritage Funeral Advantage is a life insurance package that promises to help you pay for your final expenses. But, what is the truth about this product? How does it work and how much does it cost?

We DO NOT offer Lincoln Heritage products however we replace them often because of their lack of value. This article is an extensive review of their Funeral Advantage program from Funeral Consumer Guardian Society and why we think it is a gimmick.

**There is NO scenario that
Lincoln Heritage comes out
better than its peers.
Most health issues are knockouts

Very expensive, 35%-150% more than competitors

The coverage amount is limited

Lincoln Heritage Funeral Advantage Reviews

When you need life insurance, it’s important to find the right company. We’re glad that we could help answer any of your questions about Lincoln Heritage! Here are just a few things our customers have said:

Thank goodness I found this site before making my purchase!

This review is very thorough and opened my eyes, thank you.

In this Lincoln Heritage Funeral Advantage program review, we are going to answer all of your questions about the underwriting guidelines and rates. You may be asking yourself whether or not this life insurance program is worth it?

In our opinion, NO, there is so much better value elsewhere especially if you’re looking for your parents. But don’t take my word for it, we will show you the facts!

For those looking for a cheaper life insurance plan, we’ve got your back. Heritage Lincoln is one of the most expensive funeral providers in the industry and their rates are as high or higher than many other companies out there too!

Do you want to know the best part? We’re going to show you how. So, let’s start with what Funeral Advantage entails, and then we’ll talk all about Heritage Lincoln prices compared to their competitors’ rates.

What You Need To Know Before You Buy Lincoln Heritage Funeral Advantage

Lincoln Heritage agents are well known for being aggressive in-person consultations, so it’s important to be prepared when meeting with one of them.

We all know that life insurance is necessary to protect loved ones from financial ruin in the event of their death. But did you also realize there are other reasons why purchasing final expense coverage through Lincoln Heritage Life Insurance company might not be right for your situation?

First, funeral expenses can cost up 35-150% more than elsewhere! YES!! You heard that right

And second – their underwriting process leaves much room for improvement when compared against other carriers; especially if heath problems exist with either yourself or family members who require high premiums because they’re at risk due roundabout certain diseases like diabetes.

The Lincoln Heritage Insurance Company is known for its overpriced policies, and now you can meet with an agent who will try hard to convince you that they are worth it. They might mention the Funeral Advantage program in which members get access to exclusive discounts at funeral homes across the country!

It’s a well-known fact that the Lincoln Heritage membership is nothing more than an unnecessary sales gimmick. It was put in place as a way to convince clients why they should pay higher premiums for policies offered by other companies at lower prices, but what many people don’t know is how it affects their current coverage!


Lincoln Heritage VS our top carriers!!

65-year-old healthy male with $10,000 in coverage:

That’s a 30% increase from the BEST Rate!! Over 10 years your SAVING $1,822.60!!

Is Funeral Advantage a Legitimate Company?

Lincoln Heritage is a life insurance company that offers burial and final expense plans. Funeral Advantage policies come with the added benefit of membership in The Funeral Consumer Guardian Society, which will help you arrange your funeral if needed!

But is that the HOOK…… Read On

Lincoln Heritage Insurance Rates Are Out Of Control…. See For Yourself

We always like to provide FACTS when we make bold claims. The Funeral Advantage program is anywhere from 30-150% more expensive than their competition for the same exact thing, so here are some premiums compared to one of our top companies who sell the same policy–and you be able to decide which one fits your needs better!

The rates below match up Lincoln Heritage vs our top carrier:

Female Rate Comparison

AGELincoln Heritage
immediate coverage (female)
Our Top Carrier
A/A+ Rated

***As you can clearly see, Lincoln Heritage Funeral Advantage Life Insurance Policy is CONSISTENTLY about 50% MORE in the price for females.

To put that in context: If you are a 60-year-old Female, and you pass at statistic mortality of 81,

You would save $3,220.56 Not Going With Lincoln Heritage

Do you think FCGC is saving you that? NOPE!!!

Now For Male Rates…..

Male Rate Comparison

AGELincoln Heritage
immediate coverage (male)
Our Top Carrier
A/A+ Rated

***As you can clearly see, Lincoln Heritage Funeral Advantage Life Insurance Policy is CONSISTENTLY about 30% MORE in the price for males.

To put that in context: If you are a 60-year-old Male, and you pass at statistic mortality of 77,

You would save $3,574.08 NOT Going With Lincoln Heritage

Do you think FCGC is saving you that? NOPE!!!

As a funeral director for hire (Being Funny), Lincoln Heritage charges more than its competitors and offers a gimmicky product.
But don’t worry; we’re here to save the day! The good news is that you can get better rates that put YOUR money back in your pocket where it belongs. All you have to do is call us or fill out the quote box to the right.

Reach out and talk with our team about Funeral Advantage and how our rates blow them outta the water (pun fully intended).

Lincoln Heritage Strict Underwriting Means YOU Pay More

Above all, many people with certain health issues are forced to pay much higher premiums. In addition, they also make you wait before any death benefits kick in via a Modified product. This will result in paying over 200% more than healthy individuals for comparable coverage! SO YOU MUST SHOP!!!

Understand this: if other companies will not charge you one dollar extra or impose a waiting period on your policy due to health impairment, Lincoln Heritage SHOULD BE KICKED TO THE CURB!!!

Do you Want Some Proof?

Age Lincoln Heritage
$10,000 modified plan (female)
Lincoln Heritage
$10,000 modified plan (male)
Our Rate Range for Health Impairment’s
$10,000 (female)
Our Rate Range for Health Impairment’s
$10,000 (male)
80$169.00$202.80 $97.50-$118.75 $134.16-$143.04

WHOA!!! That’s well over 200% increase in what you are paying!!!

You better talk to mother age if you are going to buy a policy through Lincoln Heritage!!

Lincoln Heritage Program Reviews of Their Modified Plan Underwriting and how YOU PAY MORE

Lincoln Heritage will not only charge you more for your coverage, but they’ll also make sure that any blood thinner or heart medications are subject to an extra year of the waiting period.

The company’s rigid policies aren’t worth it! Here are some health impairments that would warrant a blood thinner medication:

If you have had a heart attack or another serious illness above, odds are that your doctor has prescribed blood thinners or other medications. In fact, this is to keep them from happening again.

Unfortunately, these drugs don’t always work as intended. This means if they’ve been given before for any event on this list then Lincoln Heritage will be coming after some more of our hard-earned cash by raising your premiums!

Wait, not so fast……..There is more!!

Just to name a few. Keep in mind, we have level first-day coverage if you have any of these impairments.

It’s shocking, but I’ll bet it’s not a surprise from reading this shocking review filled with facts.

If you have any health issues and are looking for coverage through Lincoln Heritage Funeral Advantage then we can only imagine how glad that makes you feel because their underwriting really is that bad!

Great job for looking further and finding this review. Overall, choosing an insurance company or provider who will take care of my needs has everything to do with the agent you are talking to then the coverage?

We are glad you are here!

Underwriting Knockout Health Impairments

You’re ineligible for Funeral Advantage Insurance if you say YES to any of these questions:

  • Currently bedridden, hospitalized, incarcerated, in a nursing facility or hospice care
  • Tested positive for HIV or diagnosis of a terminal illness or AIDS

What if you answered yes to these questions?

Well, has a policy that will take care of it! We have guaranteed issue final expense policies which mean everyone can purchase our services without being underwritten or having any health history screenings – even those who said “yes”

NO Lincoln Heritage DOES NOT Pay Claims In 24 Hours From Death, NO ONE DOES!!

Funeral Advantage is a company that prides itself on the claim they make to pay claims in 24 hours. They say it proudly and flaunt it like someone showing off their new car- which we all know isn’t true.

A lot can be said about Funeral Advantages commercials with just one look at its advertisements, what comes into mind when you see these ads? Be sure to pause your TV and read the fine print!

The Truth About When Lincoln Heritage Approves A Death Claim

The Lincoln Heritage Funeral Advantage company touts this as fact, but the problem is proof.

No matter how many times they or we say something, it means nothing if there is no legally binding contract. So prove you pay a death claim in 24 hours, Mr. Lincoln Heritage!

Overall, do they have a promise that any claim submitted will be paid 24 hours after approval?

NOPE!! There are references to this on their website but open your policy and all mentions of such an agreement suddenly disappear!

Nothing but the change in a large jar that makes a lot of noise!!

Call Us To get 30-200%+ Cheaper Rates Than Lincoln Heritage

Funeral Advantage is an insurance company that charges premiums 30%-200%+ higher than other companies.
And you know what really gets me? They don’t even offer the best coverage!

Their minimum value plans are inadequate for many families, who end up paying more than they would with their competitors because they have better policies in place.

But now I’m going to show how easy it can just call us or fill out the form to the right–you’ll find everything there.

Overall, the insurance market is a confusing space. When you want the best final expense policy, it’s important that your choice does not come at too high of cost or compromise on coverage. This can lead to disasters in case something goes wrong!

To find a perfect fit for yourself and all those who depend upon you, consult with an INDEPENDENT agency like us at as we have access to the top carriers nationwide. In fact, 10+ carriers we represent so FIVE will have competing offers available for you. So before making a decision make sure you talk to us.

Above all, we make it easier by helping pairing clients up based on multiple factors like health status & risk assessment rates versus price tags associated with each company. This assures you have the very best!

Lincoln Heritage Policy Riders

Lincoln Heritage offers a variety of add-ons and riders to provide additional benefits while alive, though these will increase your premiums more than you’re paying.😬

  • Accidental death coverage is available for any accidents related in the car or truck you have with them at all times;
  • child riders are included on many policies that cover both children’s hospitalization costs if needed
  • as well as dental care expenses after passing away due to age restrictions being met by most providers today without interruption from other family members contesting over what should happen next regarding inheritance money etc.,
  • but there’s also an Identity Theft Protection Plan which covers damages done when someone else steals something valuable containing personal information about oneself whether online banking records

But remember, you are paying much more already than competing carriers. In addition, some of these carriers will have add-on riders already built in. Come On Mr. Lincoln Heritage, Price Gouge Much!

But let’s be nice…..

Above all, Lincoln Heritage’s accidental death and dismemberment coverage is pushed real hard and promoted as an add-on. It offers up to $100,000 in additional benefits — but only if you die from an accident which accounts for 5% of all deaths as recorded by the CDC .

You can purchase this by way of units, costing less than 15 bucks per month! OUCH!

Lincoln Heritage’s Accidental Death Plan provides several payouts depending on what happens:

Type of Accident/Dismemberment1 unit5 units
General Accident$5,000$25,000
Auto Accident$10,000$50,000
Common Carrier (Trains, Planes, etc)$20,000$100,000
War or Terrorism$20,000$100,000
Loss of 1 limb$2,500$12,500
Loss of multiple limbs$5,000$25,000
Transport of remains over 200 miles from homeUp to $1,000Up to $5,000

As a comparison, we can get you a stand-alone ADD policy for $9.59/month for $100,000.

How much of a value does Lincoln Heritage give you, ZERO!

Funeral Advantage Does Have Restrictions

Lincoln Insurance offers a Funeral Advantage program for people who are looking to protect their loved ones. They have restrictions on age, state, and the face amount of coverage that apply equally to all applicants.

For example, anyone 0-80 can get up to $35,000 in protection. However, those over 85 only receive up to $15,000 in coverage.

Lincoln Heritage insurance is only sold through captive agents, meaning these representatives don’t offer life insurance from any competitors and won’t be able to help you compare rates or features.

The Funeral Advantage program isn’t available in every state because of its restrictive nature that requires the client (the person purchasing this policy) to reside within one specific geographic location at all times. However, it doesn’t matter where they live since LincolnHeritage offers nationwide coverage!

The following states won’t allow naming a funeral home as your beneficiary:

  • West Virginia
  • Florida
  • Texas
  • Michigan
  • Tennessee
  • Maryland
  • South Dakota
  • Montana
  • New Jersey

You may want to name someone as a beneficiary of your life insurance policy instead of leaving it in the hands of a funeral home.

This will allow them (the person you named) control over how and where they cremate or bury your body, which could save money on burial costs if there’s less than what is owed with death benefits left after paying off any debts incurred by this survivor/beneficiary.

Funeral Consumer Guardian Society Membership

The Funeral Consumer Guardian Society or FCGS, is an independent organization that can help you find the best plans for your needs. They don’t have any affiliations with funeral homes or cemeteries, so they are impartial in their reviews of different types of providers!

Considering that Lincoln Heritage Life Insurance Plans are 30-200%+ priced higher, this is DEFINATELY NOT FREE as it’s baked into the price.

In addition, this is how a Lincoln Heritage agent will justify their prices being higher by an absurd membership they claim is free. But as a senior, your wisdom can sniff that out!

Lincoln Heritage Or A Top Carrier Specializing In Final Expense Insurance? YOU DECIDE!

Let’s say you had two scenarios. But first, let’s say you had only $60.00 in budgeting. You want to make sure you had enough coverage to make sure there was no financial burden for your family.

So you pick which option works best.

  • Option A: Get coverage with Lincoln Heritage and for your budget you can get $10,000 in coverage for $57.40
  • Option B: Get coverage from one of our top carriers with your budget you can get $14,334 in coverage for the same $57.40.

Which option would you choose?

EXACTLY!!! Option B, as your family would have $4,334 more in benefits.

Is Lincoln Heritage a reputable company?

Founded in 1963, Lincoln Heritage is a company that only handles life insurance. Their focus is on final expense and flagship product! They sell more policies in the burial insurance space than any other.

Lincoln Heritage Life Insurance Reviews Financials, Ratings, And Customer Complaints

We have to give credit it’s due.

Lincoln Heritage is a decent company, but they don’t rank among the best life insurance providers. They do however have an excellent financial rating from A-rated agencies and complaint index numbers that are on par with other large insurers like them.

Lincoln Heritage’s customer service gets a lot of praise, but many people think their agents are too aggressive. If you want to buy from them make sure somebody is with you or nearby when dealing directly with an agent so they don’t pushy and overstep boundaries!

However, some of the customers have been very displeased. Here are a few reviews by customers:

They do have a 4.46/5 star review. But there are many 5-star ratings/reviews from agents that work for them which is strange to say the least.


This article has been a long and extensive review of the Funeral Advantage program from Lincoln Heritage. We hope you have found it helpful! If you are interested in getting quotes for your funeral insurance, please contact us today or visit our website at to get started right away.

Remember-you deserve dignity on one of life’s most difficult days so don’t be fooled by misleading marketing tactics like this company is using!