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Funeral Advantage®



Most people qualify and no medical exam is required! Just answer questions on a one-page application Click now to get a FREE final expense insurance quote from the Funeral Advantage program.


Over 1 Million Families Trust Us – And You Can Too
Get Peace Of Mind With Funeral Advantage
The Leading Final Expense Insurance Program In The Nation

Since its founding in 1963, Lincoln Heritage Life Insurance Company®has been a family-owned and operated life insurance company. The founding mission was to set a new bar for fast, friendly, and accurate service to their policyholders and agents. With over one million in-force policies, Lincoln Heritage Life Insurance Company® has become the leading provider of final expense life insurance. They have an A+ rating with the Better Business Bureau and an A-(Excellent) rating with A.M. Best, an organization that evaluates the financial strength of insurance companies.

Every Lincoln Heritage Funeral Advantage® policy comes with a free membership to the Funeral Consumer Guardian Society®, an independent consumer advocate organization founded in 2000 to provide professional guidance to member families during the funeral planning process. The FCGS ensures families have the information they need to make informed decisions by reviewing funeral contracts and price-shopping local funeral homes on behalf of the family.


If you’re like most people, you may not know the average funeral cost is close to $9,000, and you probably don’t have any experience planning a funeral. Many people aren’t sure where to begin. Common questions include:

  • Who should be contacted first?

  • What needs to be done now and what can be done later?

  • What funeral preparations are available?

  • How much will it cost?

Since their founding, the FCGS has helped thousands of families across the country navigate the ever-changing funeral industry and find answers to these questions.

 Easy Qualification - No Medical Exams

There are no health exams necessary to qualify for the Funeral Advantage program. Just answer a few simple health questions on our 1-page application. Most everyone qualifies, even if they've had past health issues.


Price-Shopping & Family Support Services

Every Funeral Advantage plan comes with a dedicated representative from the Funeral Consumer Guardian Society (FCGS) — at no additional cost. They price-shop funeral services, review contracts, and help surviving family members save hundreds — even thousands — of dollars on funeral costs.


Fast Claims Payment

Lincoln Heritage sends the money to your beneficiary as quickly as possible. Most claims are paid within 24 hours of claim approval.


Up to $100,000 Additional Coverage

You can add up to $100,000 in Accidental Death insurance coverage through the Funeral Advantage program. Find out more by requesting FREE information today.


Final Expense

Age: 0-80 // Issue Limits: up to $35,000

Age: 81-85 // Issue Limits: up to $15,000


Twenty Pay

Age: 0-80 // Issue Limits: up to $35,000


3 Year Modified Death Benefit

Age: 0-49 // Issue Limits: up to $15,000


2 Year Modified Death Benefit

Age: 50-85 // Issue Limits: up to $15,000

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