Lincoln Heritage Life Insurance Review 2026

Lincoln Heritage specializes in one type of life insurance: final expense. Its Funeral Advantage policy is tailored to those who want to buy coverage to take care of their funeral, burial and end-of-life expenses without taking a medical exam.

Lincoln Heritage earned 4.5 out of 5 stars for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer experience, complaint data from the National Association of Insurance Commissioners and financial strength ratings.

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Where Lincoln Heritage stands out

Lincoln Heritage offers up to $35,000 in burial insurance without a medical exam, which is more than most other insurers offer for this type of policy. The company’s website also shares policy details and pricing information. Lincoln Heritage also gives policyholders access to the Funeral Consumer Guardian Society, which helps you or your family members plan your funeral and compare costs for services.

Where Lincoln Heritage falls short

Although Lincoln Heritage has a solid financial strength rating, its limited product lineup means it’s not the best choice for most life insurance shoppers. The company also had close to the expected number of complaints to state regulators for an insurer of its size.

Final expense life insurance. Lincoln Heritage sells one final expense policy: Funeral Advantage. Available to anyone 85 or younger, Funeral Advantage is a permanent life insurance policy that’s designed to help your family cover your funeral, burial and end-of-life costs. You can buy up to $35,000 of coverage without a medical exam, and the premiums never change.

To apply, you’ll need to fill out a form on the website and complete a health questionnaire. Applications for higher coverage limits may require a phone interview as well.

There are three possible outcomes:

• You’ll be approved for coverage. If you’re relatively healthy, you should be approved.

• You’ll be offered a “modified plan.” If you have a history of serious health conditions like heart disease or cancer, you might be eligible for a modified plan. This plan is more expensive and has a two- to three-year waiting period. If you die during that time, your life insurance beneficiaries won’t receive the full payout. Instead, the insurer will reimburse them for the premiums you paid.

• You’ll be denied coverage. Your application might be rejected if you have certain pre-existing conditions.

Lincoln Heritage life insurance riders

Lincoln Heritage allows you to add up to $100,000 in accidental death and dismemberment insurance to your policy. With this rider, your beneficiaries will receive an additional payout if you die in an accident, and you’ll get a lump sum if you’re seriously injured in an accident.

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Lincoln Heritage’s whole life coverage maxes out at $35,000. A nonsmoking, 50-year-old male living in California can expect to pay $136 per month for that policy, according to Choice Mutual, a life insurance brokerage. A female might pay $111 a month for the same amount of coverage.

These prices are high compared to other final expense providers. If you’re healthy, you might want to compare life insurance quotes to make sure you’re getting the best possible price.

A strong sign of consumer satisfaction is how many people complain about their insurance company to state agencies. Over three years, Lincoln Heritage has drawn close to the expected number of complaints to state regulators for a company of its size, according to a NerdWallet analysis of data from the National Association of Insurance Commissioners.

• What Reddit users say about Lincoln Heritage

  Reddit is an online forum where users share their thoughts in “threads” on various topics. The popular site includes plenty of discussion on financial subjects like life insurance, so we sifted through Reddit forums to get a pulse check on how users feel about insurers. People post anonymously, so we cannot confirm their individual experiences or circumstances.

  Most comments on Reddit about Lincoln Heritage are about working for the company, rather than customer experiences with its policies. Redditors point out that the company is known for burial insurance (the only policy it sells), and some say its products are overpriced.

How Lincoln Heritage’s customer experience stacks up

The Lincoln Heritage site is easy to navigate, with detailed information about the company’s final expense policy in English and Spanish. There are also options in the top navigation menu to help you get a quote or contact the company.

The site has separate guides to “final expense insurance” and “burial and funeral insurance.” This may be confusing to some visitors, as these are essentially the same thing (the type of coverage Lincoln Heritage offers). There are also guides to “life insurance for seniors” and “life insurance for parents,” both also pointing to Lincoln Heritage’s final expense coverage as the recommended solution. These guides have some useful information, but are littered with pitches for Lincoln Heritage’s policies and offers of “free gifts” from the company.

The company doesn’t have a mobile app and you can’t change beneficiaries online.

What it’s like to apply for a policy with Lincoln Heritage

You can start the quote process from the Lincoln Heritage homepage or from its top navigation menu on any page. When you click “Get a free quote,” you’ll be taken to a page where you can enter your name, address, email, phone number and age.

Screenshot captured by our editorial team on October 24, 2025.

Once you fill out the information, you’ll see a message saying that a Lincoln Heritage representative will reach out to you with further information. There’s also a short “what’s next” video showing an agent visiting potential policyholders in their home to go over coverage options.

Screenshot captured by our editorial team on October 24, 2025.

Founded in 1963, Lincoln Heritage has a network of life insurance agents across the country.

Lincoln Heritage can be reached by:

• Phone: Call 800-438-7180 on weekdays from 6 a.m. to 5 p.m. MT and Saturdays from 6 a.m. to 2 p.m. MT.

• Email: Send a message to service@lhlic.com. For help with claims, email claims@lhlic.com.

• Live chat: Not available.