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  • Premiums starting as low as $15 per month.
  • One Page Application
  • Insuring ages 0 – 85
  • No medical exam or lab testing
  • Simple health questionnaire & prescription history check


Twenty Pay Whole Life Insurance

A twenty-pay policy is a limited pay whole life policy. The Policy owner pays premiums for twenty years. Premiums stop but the insured is permanently covered until death.

Final Expense
Whole Life

The Final Expense Policy provides immediate day 1 coverage with a Whole life insurance policy.  It has a guaranteed payment of a death benefit to beneficiaries in exchange for level, regularly-due premium payments.

2 & 3 Year Modified Death Benefit

We can insure over 98% of the people that apply. Lincoln Heritage will cover most people even with significant health issues under one of our Modified Plans.

Who do we represent?


We began as a true “Mom and Pop” company. Our founder, Jack Londen, worked for a large life insurance company before deciding to strike out on his own and start his own company. In the early days, Jack spent his time knocking on doors in his community, selling final expense life insurance policies. Over time, Jack added more and more agents and acquired several life insurance companies along the way.

The principles Jack founded Lincoln Heritage on always start with the agent. As an agent-founded organization, field representatives are our primary customer. This agent-first approach is how we’ve become the largest final expense insurance company in the nation — and we’re still growing!

As a Lincoln Heritage Funeral Advantage® agent, you'll have access to the following benefits:

  • A 24-hour underwriting helpline.
  • Live customer service representatives answer all of your calls — there are no automated machines or voice menus.
  • Our E-App gets your business issued quickly.
  • An annual luxurious contest trip for production winners. Past trips include Scotland, Hawaii, Germany, Costa Rica, Panama, Cancun, and Canada.
  • An exclusive in-house lead program that’s responsible for over $160 million in agent sales a year.


Funeral Advantage is much more than a final expense policy. It’s a program that offers your client what no other plan can: price-shopping of final wishes.

There are a lot of final expense plans on the market today, but only Funeral Advantage has exclusive access to the Funeral Consumer Guardian Society® that provides planning, education and support services.

The Funeral Consumer Guardian Society® is an independent consumer advocate organization that helps its members save hundreds — even thousands — of dollars on funeral costs. Every Funeral Advantage policy includes free price-shopping services for surviving loved ones. No other final expense product offers this service.  The FCGS provides three separate services.

Planning: Your Final Wishes Profile will hold all of your end-of-life wishes, important documents, possible funding, and much more.

Education: FCGS has the largest database of funeral and cremation prices in the US, and all the answers to your end-of-life questions.

Support: Death doesn’t have a time. Our advocates are available 24 hours a day, 7 days a week, and ready to assist in English and Spanish.

Funeral Consumer Advantage Program