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  • One Page Application
  • Use Insured’s age as of application sign date
  • Minimum face is $15 worth of coverage per month
  • Policy fee (charged once per application)
  • Applicant must be at least 30 days of age at the time of the application
  • See additional face amount limits and signature guidelines on pages 6 and 7 of the rate book
  • No medical exam necessary (issuance is based upon answers to health questions)


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 the age 100.

Final Expense
Whole Life

This is insurance you buy for the length of your life. Unlike term insurance, whole life policies don’t expire. The policy will stay in effect until you pass or until it is canceled. The initial cost of premiums is higher than it is with term insurance because of the length of the policy. However, part of the premiums you pay builds up into cash value, which you can use later in life.

2 & 3 Year Modified Death Benefit

We can cover over 98% of the people we come in contact with. If you have any significant medical issues you may not be disqualified from any policy with Lincoln Heritage. Depending on their age, they may qualify for our Modified Death Benefit Plans.

  • 3 years: Ages 0-49
  • 2 years: Ages 50-85

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®.

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.

Funeral Consumer Advantage Program