Seniors Beware Of Lincoln Heritage Funeral Advantage in 2023

Seniors Beware Of Lincoln Heritage Funeral Advantage

September 29, 202320 min read

When it comes to preparing for my eventual passing, ensuring my funeral arrangements are taken care of is paramount. So, the question arises: Is Lincoln Heritage Life Insurance, particularly its Funeral Advantage Program, reliable?

The Lincoln Heritage Funeral Advantage Program aims to aid seniors in covering funeral expenses by providing financial assistance, facilitated through the Funeral Consumer Guardian Society (FCGS).

This assurance is essential, especially considering the escalating costs associated with funerals. Having a plan in place ensures that when the time comes, one can comfortably manage their final expenses and convey their last wishes.

What, however, is the reality regarding this funeral advantage product?

Is this an effective last-expense insurance product?

Will it pay for my funeral expenses?

We'll provide you with the necessary funeral benefit information.

How does the funeral advantage plan operate and what are the costs? Will it effectively pay for my last expenses and fulfill my ultimate wishes?

How is the life insurance policy's underwriting for current medical conditions taken into account? You must have the answers to these questions in order to choose your final expense insurance coverage wisely.

Overall, it's crucial to choose the appropriate funeral home, pay for funeral expenses, and ensure that the final desires of your surviving loved ones are respected.

But are the Funeral Advantage and Lincoln Heritage Life Insurance Company worthwhile?

The TRUTH about funeral advantage life insurance is about to be revealed to you!

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 the Funeral Advantage program from the Funeral Consumer Guardian Society and why we think it is a gimmick.

Lincoln Heritage Funeral Advantage Reviews

Choosing the right life insurance provider is essential when acquiring final expense life insurance to cover funeral costs and other end-of-life expenses, ensuring that all financial obligations are met.

Through its funeral advantage programmed, is Lincoln Funeral planning it? PERUSE ON!!

We're happy to have been able to assist with any inquiries you may have had regarding Lincoln Heritage Life Insurance Company's final expense insurance product or funeral advantage insurance programme.

The idea is to have a life insurance policy that is medically underwritten to accommodate health impairments and pays a life insurance fast cash benefit to meet funeral costs so that your loved ones' final wishes and other final expenses are fulfilled.

Here are a few testimonials from some of our clients on the funeral advantage programmed for final expenses:

I'm very glad I came on this website before making my purchase!

Thank you for this informative and enlightening review.

The funeral advantage uses a specific funeral method that might cost 30–100% more depending on medical conditions! Not a smart funeral strategy in my opinion!

In this overview of the Lincoln Heritage Funeral Advantage programmed, we will address all of your inquiries regarding the final expense insurance policy underwriting requirements and pricing, including funeral costs. Click Here To Learn More About The Top Burial Insurance Companies.

You might be considering whether this programmed for traditional funerals is worthwhile.

NO, in our opinion. If you're looking for your parents in particular, there are several places that offer much greater value. But don't take my word for it—we'll provide you with the funeral advantage plan's actual statistics!

We've got you covered if you're looking for a less expensive final expense life insurance coverage. We are aware of the significance of making funeral arrangements and final desires.

One of the most costly funeral homes in the business, Heritage Lincoln Funeral Advantage charges prices that rival or exceed those of many other businesses.

Additionally, they lure you in with the Funeral Consumer Guardian Society, sometimes known as the FCGS, a concierge for funeral services. This is a ploy, and the premiums for final expense insurance are 30% or more higher.

So much for the benefit of funerals.

Are you curious about the best part? We'll demonstrate for you. So let's start by discussing what the Funeral Advantage programmed involves before discussing Heritage Lincoln costs in comparison to those of their rivals.

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

When visiting with a Lincoln Heritage agent regarding the funeral advantage life insurance plan, it's crucial to be ready because they have a reputation for being aggressive during in-person consultations.

We are all aware that having funeral insurance is essential to preventing loved ones from going bankrupt in the case of a death. Additionally, you want to guarantee that a cash benefit from life insurance is paid out.

You may not need final expense insurance from Lincoln Heritage Life Insurance Company, yet, did you know that there are other factors to consider?

First off, funeral costs can be 35–150 percent higher than those of competitors. YES!! You heard correctly.

And second, as compared to other final expense life insurance firms, their underwriting procedure has a lot of opportunity for improvement.

Overall, especially if you or members of your family have health issues and need to pay high rates since they are at risk for developing specific diseases like diabetes.

You can now meet with an agent from the Lincoln Heritage Insurance Company, which is notorious for its exorbitantly expensive products, who will make every effort to persuade you that they are worthwhile. The funeral advantage is not, above all!

They can bring up the Funeral Advantage programmed, which offers older citizens nationwide access to special savings at funeral facilities.

It is the FCGS, or the Funeral Consumer Guardian Society. Lincoln Heritage insurance will cost you 30% or more in the end, increasing your overall funeral expenses.

It is a well-known fact that the Lincoln Heritage membership is really a pointless marketing ploy.

Many people are unaware of how it impacts their current coverage, even though it was put in place to persuade customers to pay higher premiums for insurance offered by other firms at lower costs! Once more, the funeral benefit is not worthwhile!


Is Lincoln Heritage Funeral Advantage Legit

Lincoln Heritage: Is it a Ponzi scheme?

The life insurance provider Lincoln Heritage Funeral Advantage provides burial and other final expense plans with an optional accidental death rider.

Funeral planning from Lincoln Heritage or Funeral Advantage The Funeral Consumer Guardian Society membership that is a bonus death benefit included with Lincoln Heritage insurance will assist you in making funeral arrangements if necessary.

Only captive Lincoln Heritage agents may sell this item.

However, is that the hook? Read more

Lincoln Heritage Funeral Advantage Rates Are Through the Roof… Take a Look for Yourself

When we make bold claims, we always like to substantiate them with FACTS.

While the funeral advantage and Lincoln program aim to assist seniors, their rates are 30–150% higher compared to similar services offered by competitors.

So, you have the option to compare funeral advantage premiums with those of our top carrier to determine which best fits your needs.

Here's a comparison of fares between Lincoln Heritage and our top carrier:

By opting not to go with Lincoln Heritage, you could save $3,574.08.

Do you think FCGC or Funeral Advantage is saving you money on that? NOPE!!!

Lincoln Heritage Funeral Advantage not only costs more than its competitors but also offers a gimmicky feature as a funeral director for hire (Trying to Be Funny).

But fret not—we've got you covered!

The great news is that you can find final expense insurance at lower rates from other companies, putting YOUR hard-earned money back where it belongs: in YOUR pocket.

Just give us a call or fill out the quote form on the right.

Get in touch and discuss the Funeral Advantage and Lincoln Heritage programs with our team to see how our final expense insurance rates outperform both of them and pre-need (pun fully intended).

Do I need a medical exam to qualify for Burial insurance for Lincoln Heritage Funeral Advantage?

No. Lincoln Heritage Funeral Advantage's burial insurance is not subject to a medical examination.

When requesting funeral insurance, there are simply a few straightforward health-related concerns that must be addressed.

Throughout the application process, you won't be required to provide any medical records or samples of your blood or urine. Typically, the insurance company will provide you official permission in just a few minutes!

Benefits of Our Lincoln Heritage Funeral Program

  • Price of Our Lincoln Heritage Funeral Program's advantages Savings and professional counsel on funeral expenses

  • Providing assistance to your loved ones without planning or saving

  • Simplified Coverage is not supported.

  • One-page insurance forms that are difficult to understand

  • An easy qualification procedure

  • Just basic health queries, no physical examinations required? No background checks and examinations?

  • For people and families living on fixed incomes, we offer reasonable monthly prices that are ideal. We also offer inexpensive "intro" rates.

Funeral Advantage's Strict Underwriting: Why YOU End Up Paying More, and Here's the Proof

Above all, individuals with certain health conditions often face significantly higher premiums.

Moreover, they encounter delays in receiving any death benefits provided by a Modified product. This seems more like a funeral disadvantage than a funeral advantage.

As a result, they end up paying over 200% more than healthy individuals for equivalent last expense insurance coverage! It's crucial to shop around!


Funeral Advantage Program Reviews of Their Modified Plan Underwriting and How YOU PAY MORE

Funeral Advantage Program Reviews of Their Modified Plan Underwriting and How YOU PAY MORE

In addition to hiking the cost of your insurance, Lincoln Heritage Life Insurance also imposes an additional two-year waiting period before covering any blood thinner or cardiac medication.

The company's stringent regulations are not worth it! The following medical conditions require the use of a blood thinner:

  • Irregular Heartbeat (Afib)

  • Blood Clots, Circulatory Surgery, including a Stent

  • Stroke with full force or transient ischemic attack (TIA) Mini Stroke

  • Peripheral Arterial Disease (PAD)

  • Cardiac Surgery

  • Pulmonary Hypertension

  • Aneurysm

It's likely that if you've experienced a heart attack or one of the major illnesses mentioned above, your doctor has prescribed blood thinners or other medications. The aim is to prevent recurrence.

Unfortunately, these medications don't always work as intended.

This means that Lincoln Heritage Life Insurance will hike your rates if they've already been prescribed for any of the events on this list.

But wait, there's more! Don't rush!

  • Diabetes-Related Blindness

  • Cirrhosis

  • Tuberculosis

  • Hepatitis A, B, or C

  • Cirrhosis Fibrosis

  • Kidney Disease

  • Sarcoidosis

  • Emphysema

  • Chronic Bronchitis

Just a few examples. Remember, if you have any of these conditions, we offer level first-day coverage.

It's alarming, but based on this shocking and fact-filled review, I bet it's not surprising.

Lincoln Heritage Funeral Advantage Program's underwriting is so stringent that we can only imagine the relief you must feel if you have any health issues and are considering coverage through this program.

Kudos to you for digging deeper and stumbling upon this review.

In the end, the agent you choose to work with and the coverage they provide take precedence when selecting a last expense insurance company or provider to meet your life insurance needs.

We're glad you're here.

Exclusionary Health Conditions in Underwriting

Exclusionary Health Conditions in Underwriting

If you answer YES to any of the following questions, you may not qualify for Funeral Advantage Insurance:

  • Currently bedridden, ill, incarcerated, residing in a nursing home, or receiving hospice care

  • Diagnosed with AIDS, a terminal illness, or tested positive for HIV

What happens if you respond affirmatively to these health inquiries?

At, we provide insurance coverage that addresses these exclusions, which is a positive outcome!

We offer guaranteed issue final expense insurance, ensuring that everyone - including those who answered "yes" - can access our services without having to go through Lincoln Heritage or undergo any health history screenings.

Lincoln Heritage Funeral Advantage: The Myth of 24-Hour Claim Payments

Lincoln Heritage Funeral Advantage: The Myth of 24-Hour Claim Payments

Lincoln Heritage Funeral Advantage proudly boasts its 24-hour claim payment policy, but is it really as efficient as they claim?

The advertisements for Funeral Advantage often highlight this feature, portraying it as a hallmark of their service. But is it truly accurate? Let's take a closer look.

Upon closer inspection, it becomes apparent that while Lincoln Heritage Funeral Advantage promotes this swift claim payment process, the reality may not always align with the marketing pitch.

Despite the repeated assertions made by the company, the validity of their 24-hour claim payment policy is subject to scrutiny. Without a contractual obligation, such claims lack legal validity.

So, can Lincoln Heritage truly deliver on their promise of processing claims within 24 hours?

The truth is, not quite.

While references to this policy may be found on their website, closer examination of the policy documents often reveals a different story. The promised 24-hour claim payment guarantee may seem elusive once you delve into the fine print.

The reality is that Lincoln Heritage Funeral Advantage may not always fulfill their promise of speedy claim processing.

At, we offer an alternative with premiums that are significantly lower—up to 30-200% or more—than those of Lincoln Heritage Funeral Advantage. Plus, you won't find any hidden clauses or sudden changes in our policies.

So why settle for less when you can enjoy affordable rates and transparent terms with us?

Contact us today to explore your options and discover the true value of final expense insurance.

Even worse, they don't provide the best coverage!

Many families find their minimum value plans to be insufficient, and because their competitors have superior policies in place, they end up paying more than they would with them.

But now I'm going to demonstrate how simple it may be. Just give us a call or complete the form on the right; everything is there.

The ultimate expense insurance market is generally a complicated area.

It's crucial to avoid making a costly or coverage-compromising decision when looking for the greatest last expense policy. In the event that something goes wrong, this may be disastrous!

Consult with an INDEPENDENT agency like us at as we have access to the best life insurance companies in the country to find the ideal fit for you and everyone who depends on you.

In fact, we represent more than ten carriers, so FIVE will have competing offers for you. So be sure to consult with us before making a choice.

Above all, we assist make it simpler by matching clients based on a variety of variables, such as health status and risk assessment rates vs prices associated with each organization.

You may be sure you have the best with this!

Seniors Beware Of Lincoln Heritage Funeral Advantage in 2023

Exploring Lincoln Heritage Policy Riders

When it comes to Lincoln Heritage life insurance, there's no shortage of add-ons and riders available to enhance your coverage. While these options can provide valuable benefits during your lifetime, it's important to consider how they may impact your premiums.

One popular rider offered by Lincoln Heritage is accidental death insurance, which provides coverage in the event of accidents involving the insured's vehicle. This can offer additional peace of mind for those who frequently travel by car or truck.

Another common rider is the child rider, which extends coverage to include children's hospitalization costs if necessary. Additionally, some policies may cover dental care expenses after the insured's passing, providing financial support for end-of-life expenses.

While these riders can offer valuable benefits, it's important to weigh the cost against the additional coverage provided. Adding riders to your policy may result in higher premiums, so it's essential to carefully consider whether the benefits outweigh the increased cost.

It's worth noting that Lincoln Heritage policies may already include certain riders, so be sure to review your policy carefully to understand what coverage is already included. Comparing policies from different insurers can also help ensure you're getting the best value for your money.

Ultimately, while Lincoln Heritage offers a range of policy riders to enhance your coverage, it's important to be mindful of the potential impact on your premiums. By carefully evaluating your options and considering your individual needs, you can make an informed decision about which riders are right for you.

Let's Approach This Civilly, Shall We?

When it comes to Lincoln Heritage, their accidental death and dismemberment coverage is heavily advertised as an optional add-on to their policies. This additional coverage promises up to $100,000 in cash benefits, but there's a catch – it only applies if the insured passes away in an accident, which statistically accounts for just 5% of all fatalities, according to the CDC.

The cost for this coverage can sting, coming in at less than $15 per month for unit purchases. But here's the kicker – we offer a standalone accidental death policy providing the same $100,000 coverage for just $9.59 per month. That's quite a difference!

When you compare the value Lincoln Heritage provides with what's available elsewhere, the discrepancy becomes clear. So, let's approach this rationally and make informed decisions about our insurance coverage.

Funeral Advantage: Understanding the Restrictions

Considering the importance of securing financial protection for your loved ones, many turn to Lincoln Insurance's Funeral Advantage service. However, while it's heavily promoted by Lincoln Heritage agents, the value it offers may not be as great as they claim.

It's important to note that Funeral Advantage comes with certain limitations that apply to all applicants, regardless of their individual circumstances. These restrictions typically revolve around age, state of residence, and the amount of coverage desired.

For example, individuals aged 0 to 80 can typically secure coverage of up to $35,000. However, for those aged over 85, the coverage amount drops significantly to a maximum of $15,000. This significant reduction in coverage for older individuals can be a drawback for many seeking comprehensive protection.

Another important point to consider is that Lincoln Heritage insurance is exclusively distributed by captive agents. This means that customers won't have the opportunity to compare rates or features with offerings from other insurance companies. Captive agents are restricted to selling policies from their parent company only, limiting consumer choice and potentially preventing them from finding the best coverage for their needs.

In conclusion, while Funeral Advantage may seem like a convenient option for final expense coverage, it's essential for individuals to carefully consider the limitations and explore alternative options to ensure they secure the most suitable protection for themselves and their loved ones.

How to Determine the Best Funeral Insurance Provider

Ensuring that funeral expenses are covered is essential, as funeral homes need to be paid regardless of the circumstances. However, finding the best funeral insurance provider can be challenging, especially considering the restrictions and limitations of certain policies.

One such policy is the Funeral Advantage program, which offers assistance to seniors but comes with certain limitations. One of the most significant restrictions is that the client must reside in a single geographic location, making it unavailable in every state. This restriction can be problematic when searching for funeral homes, as the coverage may not be up-to-date or applicable in certain areas. Therefore, it's crucial to shop around and explore other options, as many life insurance providers offer more comprehensive coverage.

Unlike the Funeral Advantage program, Lincoln Heritage provides coverage across the country, regardless of where the policyholder resides. This nationwide coverage ensures that individuals have access to funeral insurance no matter their location.

However, it's important to note that some states have regulations that prohibit naming a funeral home as the beneficiary of a life insurance policy. These states include North Carolina, Florida, Texas, Michigan, Tennessee, Maryland, South Dakota, Montana, and New Jersey. In such cases, policyholders may choose to designate a beneficiary instead, giving them control over the funeral arrangements and potentially saving money on expenses.

Ultimately, determining the best funeral insurance provider requires careful consideration of the policy's terms, coverage options, and any restrictions that may apply. By thoroughly researching and comparing different providers, individuals can ensure they find the most suitable coverage for their needs.

Funeral Consumer Guardian Society Membership

Membership in the Funeral Consumer Guardian Society (FCGS) can be a valuable resource for individuals seeking the best funeral arrangements tailored to their needs. Unlike cemeteries or funeral homes, FCGS is an impartial group that offers unbiased evaluations of various services.

While membership in FCGS is not free, it is often included in premium pricing packages. However, it's important to note that these premium packages can be 30–100% higher than those offered by Lincoln Heritage Life Insurance Plans.

By joining FCGS, individuals gain access to valuable information and assistance in navigating the funeral planning process. Whether it's comparing different service providers or understanding the options available, FCGS provides unbiased guidance to ensure that individuals make informed decisions about their funeral arrangements.

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

Lincoln Heritage or a top carrier specializing in final expense insurance? The decision is yours to make, but let's consider the facts.

A Lincoln Heritage salesperson might tout a supposedly "free" membership to justify their higher fees. However, as a discerning senior, you can see through this tactic.

In reality, many other life insurance providers offer superior options. So, which will you choose?

Imagine you have two options with a budget of $60.00. Your goal is to ensure your family isn't financially burdened and that you have sufficient coverage.

Option A: Sign up for coverage through Lincoln Heritage, where you can get $10,000 in coverage for $57.40.

Option B: Choose coverage from one of our top providers, staying within your budget. For the same $57.40, you could secure $14,334 in coverage.

Which option sounds more appealing to you?

Exactly! Option B would provide your family with $4,334 more in benefits. When it comes to securing your family's financial future, the choice is clear.

Is Lincoln Heritage a reputable company

Lincoln Heritage, a business that only deals with final expense insurance, was established in 1963.

Their primary concerns are the flagship product and cost! The burial insurance segment of the ultimate expense insurance market is where they sell the most policies.

Call Lincoln Heritage Insurance at 800-433-8181 to cancel your policy.

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

The proper credit must be given.

Although Lincoln Heritage is a respectable business, they are not among the top life insurance companies.

However, they do have a stellar financial rating from A-rated agencies, a perfect score with the Better Business Bureau, and complaint index figures that are comparable to those of other sizable insurers of the same calibre.

Even yet, Lincoln Heritage legal disputes do arise.

Although many customers compliment Lincoln Heritage's customer service, many feel that their representatives are excessively assertive.

When interacting directly with an agent, make sure someone is around or with you so they don't forceful and overstep limits if you want to buy from them!

Some of the consumers, however, have been extremely dissatisfied. Here are a few testimonials from clients:


For you to make prior plans for your funeral, Lincoln Heritage provides the Funeral Consumer Guardian Society.

We pay accepted claims reimbursed in 24 hours to make sure our policyholder families may carry out their loved one's last wishes. The Funeral Advantage programme from Lincoln Heritage has been the subject of a lengthy and in-depth analysis in this article.

We sincerely hope it was useful to you. Please get in touch with us now or visit to get started if you're interested in receiving prices for funeral insurance coverage for seniors.

Families deserve respect on one of life's most trying days, so don't fall for deceptive marketing strategies like the ones this company is doing.

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