Get Life Quotes Today is independent. We are not affiliated with, endorsed by or paid by Lincoln Heritage for this page, and calling our number does not connect you to Lincoln Heritage. If you already have a policy and need help with billing, changes or a claim, contact Lincoln Heritage directly. The licensed agents we connect callers with may or may not offer this company's products.
Lincoln Heritage at a glance
- Type
- Insurance company
- Headquarters
- Phoenix, Arizona
- Ownership
- Privately held
- AM Best financial strength
- A (Excellent), upgraded from A- by AM Best in July 2025. Source: AM Best release via Business Wire (opens in a new tab).
- How it sells
- Through agents.
What Lincoln Heritage is known for
- Final expense whole life with health questions and no exam
- A funeral planning and assistance service bundled with the policy
- A single focus on the final expense market
What to weigh
- Coverage amounts are small, in line with final expense needs
- The bundled funeral service is a membership benefit separate from the insurance itself. Ask what it does and does not cover.
- Compare the premium with other final expense policies for your age and health
Comparisons
How to check any insurer yourself
- Look up the current financial strength rating at AM Best (opens in a new tab). Ratings change, so check the date.
- Compare complaint records with the NAIC consumer information search (opens in a new tab).
- Confirm the company and the agent are licensed with your state insurance department.
- Ask whether the policy has a waiting period. How graded benefits work.
Common questions
Is Lincoln Heritage a legitimate company?
Yes. Lincoln Heritage is an established, licensed insurer. A family-owned insurer based in Phoenix, Arizona that concentrates on final expense insurance. Its main product is sold under the Funeral Advantage name.
Can I buy Lincoln Heritage through Get Life Quotes Today?
We do not sell insurance. We connect callers with third-party licensed agents, who may or may not offer Lincoln Heritage. Ask the agent which companies they represent.
How do I contact Lincoln Heritage about my existing policy?
Use the phone number on your policy or billing statement, or the company's own website. We have no access to Lincoln Heritage policy records and cannot help with service or claims.
Sources
- AM Best upgrades credit ratings of Lincoln Heritage (Business Wire, July 2025) (opens in a new tab)
- AM Best rating search (opens in a new tab)
Facts on this page were checked on October 13, 2026 and can change. This is general information, not a recommendation or insurance advice. Company names are trademarks of their owners and are used here only to identify the companies discussed.