HomepageInsuranceLifeLincoln Heritage Funeral Advantage Life Insurance Review

Lincoln Heritage Funeral Advantage Life Insurance Review

Comprehensive final expense insurance with great customer service and fast claim payouts ​
Reviews.com reviews products and services to help you make well-informed choices. Although, our writers and editors follow a strict methodology for presenting information, our posts may reference products from our partners. For more information, learn how we make money. This content is powered by HomeInsurance.com (NPN: 8781838). For more information, please see our
Insurance Disclosure This content is powered powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Reviews.com. HomeInsurance.com LLC services are only available in states where it is licensed and insurance coverage through HomeInsurance.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Compare Rates
Excellent customer service ratings
Good financial strength
Coverage includes funeral planning services
Coverage capped at $20,000

Show Similar Products

Advertiser Disclosure

Close icon.

We are an independent publisher. Our reporters create honest, accurate, and objective content to help you make decisions. To support our work, we are paid for providing advertising services. Many, but not all, of the offers and clickable hyperlinks that appear on this site are from companies that compensate us. The compensation we receive and other factors, such as your location, may impact what ads and links appear on our site, and how, where, and in what order ads and links appear. While we strive to provide a wide range of offers, our site does not include information about every product or service that may be available to you. We strive to keep our information accurate and up-to-date, but some information may not be current. So, your actual offer terms from an advertiser may be different than the offer terms on this site. And the advertised offers may be subject to additional terms and conditions of the advertiser. All information is presented without any warranty or guarantee to you.

Lincoln Heritage insurance company’s Funeral Advantage program is a form of final expense insurance. It’s designed to cover funeral costs and end-of-life expenses so your family members are not left paying out-of-pocket. Almost everyone is approved for coverage, and there is no medical exam required.

In addition, the program includes Family Support Services through the Funeral Consumer Guardian Society (FCGS), which offers emotional support and funeral planning. Lincoln Heritage’s Funeral Advantage program is a good option for anyone looking for comprehensive final expense insurance.

Lincoln Heritage Funeral Advantage Overview: Financial Strength, Availability, and History

Lincoln Heritage is a family-owned final expense insurance provider, and the ratings and reviews indicate that customers are happy with their coverage. The company has an A+ rating from the Better Business Bureau (BBB) and an average score of 4.2 out of 5 stars. In terms of financial strength, Lincoln Heritage has an A- rating from AM Best, indicating excellent financials.

In business since:
AM Best financial strength rating:
J.D. Power Customer Satisfaction rating:
States served:

Lincoln Heritage — Best for comprehensive coverage


  • Family support services: Family support services included free with all policies to help with emotional support and funeral planning.
  • No medical exam: Coverage is guaranteed without taking a medical exam or completing a lengthy health questionnaire.
  • Quick payouts: Claims are paid within 24 hours of filing.


  • No online quotes: To get a rate quote, you’ll need to fill out an online application and speak with an agent.
  • Low coverage limits: The Funeral Advantage program only includes up to $20,000 in coverage.

The Life Insurance Factors We Analyzed

Customer experience
Financial strength
Coverage and rider information

Lincoln Heritage ratings indicate that the company has excellent customer service. The company has an average rating of 4.2 out of 5 stars from the BBB based on 114 customer reviews. It also has below-average customer complaints based on the NAIC Company Complaint Index

In terms of customer experience, however, Lincoln Heritage lags behind some other providers. There is no option for online quotes or online claims. If you want to make changes to your policy, you’ll need to contact a live agent.

Lincoln Heritage is financially strong. AM Best has given Lincoln Heritage an A- rating, which puts it in the ‘excellent’ category.

When shopping for a life insurance company, looking at financial strength ratings is important. Financial strength indicates a company’s ability to pay claims fully as they arise. Companies that have poor financial strength are less likely to have the available funds to pay policyholders after a claim.

Lincoln Heritage’s Funeral Advantage program offers two types of coverage — final expense insurance and Family Support Services. Here is what these coverage include:

Final expense insurance: Final expense insurance helps pay for funeral, burial, and other end-of-life costs. The money is given to a policyholder’s beneficiaries when they pass away. There is no medical exam required in order to qualify, and policies offer coverage of up to $20,000.

  • Family Support Services: The Funeral Advantage program also includes free Family Support Services through the Funeral Consumer Guardian Society (FCGS). It offers emotional support during the grieving process and provides funeral planning services.


With the Funeral Advantage plan, the premium and death benefit remain unchanged for the duration of the policy. There is also an option to add an accidental death benefit rider with up to $100,000 in coverage.

The Competition

Reviews.com score Score is based on company’s customer experience, financial stability, and coverage options. AM Best Financial Strength Rating AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. J.D. Power 2020 U.S. Life Insurance Study Score** J.D. Power scores are based on surveys for customer satisfaction and product quality. NAIC Customer Complaints The National Association of Insurance Commissioners (NAIC), ensures insurance providers comply with national regulations and state laws to protect public interests.
Pin Lincoln Heritage Funeral Advantage3A-N/AFewer than average
Pin Northwestern Mutual5A++790Fewer complaints than average
Pin State Farm5A++838Fewer complaints than average
Pin Nationwide4.8A+803 Fewer complaints than average
Pin New York Life4.2A++784Fewer complaints than average
Pin Mutual of Omaha4.2A+789Fewer complaints than average
Pin Principal3.8A+772Fewer complaints than average

*All information accurate as of November 4, 2020.

**Based on a 1,000-point scale.

The Bottom Line

Lincoln Heritage’s Funeral Advantage plan stands out for its comprehensive coverage. In addition to traditional final expense insurance, the plan also comes with free Family Support Services that will cover funeral planning and logistics. The company has excellent financial strength and good customer satisfaction ratings. Anyone who is looking for final expense insurance and who doesn’t need a high amount of coverage should consider Funeral Advantage.

Lincoln Heritage Funeral Advantage FAQ 

About the Authors

Elizabeth Rivelli

Elizabeth Rivelli Contributing Writer

Elizabeth Rivelli is an insurance writer for Reviews.com. Over the last year, she has covered insurance providers, best policies, industry trends and more. Elizabeth has been featured in The Simple Dollar, Bankrate and Coverage.com, among others. She holds a bachelor's degree in Communication Studies from Northeastern University in Boston, MA. The Best Term Life Insurance Companies is Elizabeth’s favorite review on Reviews.com.

Table Of Contents