The Hidden Truth About Lincoln Heritage Funeral Advantage Program (2022 Review)

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Last Updated June 7, 2023

What is Lincoln Heritage? What is a funeral advantage plan? “The funeral advantage program assists seniors!” Funeral Advantage Lincoln Heritage is said to assist you in paying for you final expenses, but how true is this? Funeral costs are on the rise and you need something to take care of your final wishes so your family isn’t left with a financial burden. This article will give Lincoln Heritage Funeral Advantage reviews and insight on if it’s the right program for you.

Is the Lincoln Heritage Funeral Advantage program real? Does the Funeral Advantage Program assists Seniors? Let’s take a look at what this program really offers and what it cost.

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You Need To Know This Before You Buy Lincoln Heritage Funeral Advantage Program

If you’ve heard of Lincoln Heritage, you might be thinking, that the funeral advantage program assists seniors! As a senior, we know that finding life insurance can be stressful and near impossible. Thankfully, there are funeral advantage plans that give seniors and their families exactly what they are in need of. With age, comes health issues. 

You may have heard that the  Funeral Advantage Program assists Seniors and their loved ones with final expenses by helping them plan and prepare for the future, well read on for our opinion.

We know that the funeral advantage program has an intense underwriting procedure which leaves many seniors feeling hopeless. Not only that, but Lincoln Heritage Funeral Advantage actually costs around 30% more than other leading life insurance companies.
Lets take a look at the price breakdown, and find a funeral advantage program that assists seniors.

How much does A Lincoln Heritage Funeral Advantage Plan Cost?

For the purposes of seeing average pricing on the funeral advantage program, lets start with a healthy 60 year old female.

Did you know the average funeral cost is $10,000? With that being said, for a funeral advantage program that provides $10,000 immediately, you could be paying around $44.86 per month. That is if you make it through the medical underwriting.

Here at Final Expense Benefits, we contract with only the top “A” rated senior life insurance companies with strong reputations. You get trusted names like Mutual of Omaha, Aetna, and Prosperity just to name a few. These carriers average closer to $33 for the same $10,000 of coverage. Not only that, the underwriting is much easier, there are no waiting periods and your coverage starts the next day. 

So much for funeral advantage..

Funeral Advantage Lincoln Heritage

Lincoln Heritage Funeral Advantage Reviews And Why You Pay More

As we mentioned previously, Lincoln Heritage Funeral Advantage has some of the most difficult underwriting process there is. If you have any of the following, you might want to think twice about the funeral advantage.

Pulmonary Hypertension
-Blood Clots
-Heart Surgery
-Hepatitis A, B, or C
-Kidney Disease

And that’s just to name a few. Thankfully, if you have any of these conditions, Final Expense Benefits has a plan that will approve you in minutes and start your coverage the very next day. We specialize in providing coverage for not only seniors on a fixed income, but seniors with a medical history.

How does Lincoln Heritage funeral advantage work?

The Lincoln Heritage Funeral Advantage insurance works similarly to other funeral and burial insurance companies. It’s open to applicants 50 to 80 years of age and is a permanent whole-life insurance policy. 

Sadly, the funeral advantage program costs 30%-150% more than the best funeral insurance carriers. This is due to the Lincoln Heritage underwriting process. Not only are their policies more expensive than leading companies, their sales agents will push you to purchase and convince you they are worth the extra cost. 

Lincoln Heritage Funeral Advantage Rates

Lets take a look at the price difference with Lincoln Heritage funeral advantage program and Mutual of Omaha funeral insurance. We want to emphasize exactly how much more you would spend for the same coverage through top rated funeral insurance companies. 

Funeral advantage Lincoln Heritage Male rate chart

Male-Age Lincoln Heritage $10,000 Top A+ Rated Carrier $10,000

These are examples rates and are not a quote for insurance

As you can see, funeral advantage Lincoln Heritage is about 35% more than leading A+ rated insurance companies. This could be thousands of dollars you would save by NOT going with Lincoln Heritage funeral insurance. 

Now, lets go over the female rates. 

Funeral advantage Lincoln Heritage Female rate chart

Female-Age Lincoln Heritage $10,000 Top A+ Rated Carrier $10,000

These are examples rates and are not a quote for insurance

The female savings are no different. Over the course of a year, that’s upwards of $500 you could potentially save by not going with Lincoln Heritage funeral insurance. 

Does The Lincoln Heritage Funeral Advantage Program pay claims in 24 hours from death?

A Funeral Advantage plan from Lincoln Heritage claim to pay benefits in 24 hours after death.

Despite Lincoln Heritage Funeral Advantage complaints, the truth is, no funeral insurance company pays death benefits in 24 hours. They earliest is normally 48 hours after death. Even other senior life insurance companies like, Colonial Penn 995, Mutual of Omaha and Aetna burial insurance can’t offer payouts 24 hours after death.

Lincoln Heritage funeral advantage reviews

Lincoln Heritage is in fact a well know company with decent financial ratings to support them however, their agents are consistently reviewed for being too aggressive with potential customers. Not only that but based on consumer experience and complaint data from National Association of Insurance Commissioners, Lincoln Heritage Funeral Advantage complaints received a 2.5 out of 5 stars for overall performance. Lincoln Heritage Funeral Advantage reviews also got the same rating from well known company NerdWallet.

We believe if you are purchasing something as important as life insurance, you should hold the funeral insurance company to higher standards. For example, one of our top A rated carriers Mutual of Omaha is number 5 out of 21 companies in J.D. Power’s 2021 for overall customer satisfaction.

***Warning, do not purchase from this company*** They scam old people! My father paid $200 a month and when he went to cancel the policy, they did not return any of his money!!! 5 years of payments down the drain and he's on a fixed income!
African woman
Leticia S. ✓
Rancho Cordova, CA⭐
My father had payments on 2 policies deducted from his bank account every month. He passed two months ago and we still haven't received a dime from them after being told they are on the way. 
Pretty older woman
Marie W. ✓
Gardena, CA⭐

*Reviews are from real consumers, pulled from yelp.com


After an extensive analysis, we determine that if you are looking for a final expense insurance to cover a funeral, burial or cremation, we have plenty of industry leading companies that will approve you regardless of your medical history AND give you a significantly lower premium that you can afford. Lincoln Heritage Funeral Advantage Complaints are just too numerous. 

On average, we will be able to provide you or lower your current monthly rate more than 30% vs funeral advantage. 

The reality is, seniors are on fixed incomes and have medical conditions. Again, no matter your state of health, we will have you approved and a plan starting the next day. Our licensed agents are standing by, ready to assist!

Funeral Advantage FAQ

How Long Has Lincoln Heritage Been in Business?

Lincoln Heritage Life Insurance Company was founded in 1963.

What is Lincoln Heritage Funeral Advantage?

Funeral advantage by Lincoln Heritage is a whole life, final expense life insurance. Typically, these policies are purchased by seniors in need of low cost life insurance to cover their funeral costs. 

How Much Help Can You Get With Funeral Costs?

Lincoln Heritage Funeral Advantage not only has a strict underwriting procedure, but if you are looking for more than $35,000 in coverage, you will have to look elsewhere. 

The amount that you qualify for depends on a few factors. Age, gender, and location are just a few of the things that determine what you qualify for. 

Is Lincoln Heritage Life Insurance Legit?

Yes, Lincoln Heritage is a legit company that offers a real life insurance product. However, Lincoln Heritage is not our first choice when it comes to senior life insurance to cover your funeral costs. 

"Funeral Advantage Program Assists Seniors?"

Technically yes, although we'd argue you could get better rates elsewhere. 

How Are Lincoln Heritage Funeral Advantage Reviews?

Overall they are near average, if not below average. 

What is a Funeral Advantage Plan?

This is Lincoln Heritage's own version of a burial insurance policy. 

Funeral Advantage Cost?

Overall, the cost of Funeral Advantage isn't particularly competitive. Also, the plan maxes out at $20,000 without any special qualifications, such as if you were to utilize an accidental death benefit.