Lincoln Heritage Insurance Company

Renewable term life insurance

Lincoln Insurance Group owns Lincoln’s heritage life insurance company, and it was founded in 1963. According to its website, the company serves about a million customers regularly. It’s a massive number, considering that it only sells one type of insurance policy, i.e., final expense policy. Expense policy is primarily designed to cover burial expenses and manage death benefits and pay for funeral costs.

Advantages and Disadvantages of Lincoln heritage Insurance company


There is no need for a rigorous medical examination for purchasing Lincoln heritage insurance. It instead follows a simple process of underwriting that can make one eligible to qualify for a standard policy.

In case of your accidental demise, your beneficiaries are eligible to receive a death benefit worth $100,000. This added cost can help them in managing funeral services smoothly.

Lincoln also offers membership to the funeral consumer guardian society to your beneficiaries. It can be helpful for your beneficiaries to manage and plan funeral services quickly and smoothly.


The most prominent disadvantage of Lincoln’s heritage is that they only offer one particular kind of insurance plan. As it only sells or offers, final expense policy, and nothing else.

Additionally, compared to other companies in the market, Lincoln offers relatively low coverage amounts. The maximum coverage amount they provide is as high as $20,000, and that is all they provide as funeral expense amount.

Insurance agents are incentivized to sell you a policy. Since they are independent contractors, they depend on the commission they earn from each policy they sell.

Available policies and plans

Application for Lincoln heritage insurance company can be submitted via an online portal. Insurance agents get back to you to discuss the prospects and explaining the policy further. As mentioned above, it doesn’t require a medical examination, and except for an understatement and health questionnaire, you’re good to proceed.

Available Riders

Lincoln heritage only offers one rider, that too only in case of accidental death. It is an additional cost to customize or increase your coverage. You can get an additional premium and increase your accidental death rider up to $100,000.

Customer Care Service

Although you can apply for the Lincoln heritage insurance policy online, you’ll need to contact their insurance agent personally to purchase it formally.

You can contact customer care by calling directly at 800-438-7180, which is available from Monday to Friday. From 6 a.m. until 5 p.m. MST. Moreover, it is also the operation of Saturdays from 6 a.m. until 2 p.m. MST.

However, if you are a policyholder, you can exclusively manage your affairs via Lincoln heritage’s online portal. You can look at the details and requests for changes that you want to make.

Rating and Complain Index

According to the list of complaints compiled by the National Association of Insurance Commissioners (NAIC), Lincoln’s heritage ratio was 1.40. Any rate more than 1.0 is considered adverse. This is why it is a slightly disappointing ratio given the size of its operations in the market. In the past two years, Lincoln’s heritage has not performed in the industry up to par.

Still need help?

Get your quote online or call one of our agents at +1 (800) 340-7011