Carrier Review
Lincoln Heritage Final Expense Insurance Review
Guaranteed Issue · Underwriting ages 45–85 · 4.0/5 SureChoice rating
Overall: 4.0 / 5
Score derived from our four-factor methodology — price competitiveness, no-waiting-period availability, financial strength, and complaint volume.
Pros
- + Funeral Advantage program
- + Guaranteed acceptance
- + Operates in all 50 states
Considerations
- − Underwriting limited to ages 45–85.
- − Coverage caps vary; verify maximum face amount during application.
- − 2-year graded period before full death benefit applies.
How Lincoln Heritage's plan works
Lincoln Heritage offers guaranteed-issue coverage — no health questions, you cannot be denied. Years 1–2 pay back premiums plus interest in lieu of the death benefit; year 3 onward pays the full face amount.
How much does Lincoln Heritage cost?
Indicative monthly cost across our cheapest applicable carrier baseline, non-tobacco female. Real pricing for Lincoln Heritage specifically depends on full underwriting.
| Age | $5,000 | $10,000 | $15,000 | $20,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|---|
| 50 | $11.88/mo | $23.75/mo | $35.63/mo | $47.50/mo | $59.38/mo | $118.75/mo |
| 55 | $14.87/mo | $29.74/mo | $44.61/mo | $59.49/mo | $74.36/mo | $148.71/mo |
| 60 | $18.62/mo | $37.25/mo | $55.87/mo | $74.49/mo | $93.12/mo | $186.24/mo |
| 65 | $23.32/mo | $46.65/mo | $69.97/mo | $93.29/mo | $116.61/mo | $233.23/mo |
| 70 | $29.21/mo | $58.42/mo | $87.62/mo | $116.83/mo | $146.04/mo | $292.08/mo |
| 75 | $36.58/mo | $73.16/mo | $109.73/mo | $146.31/mo | $182.89/mo | $365.78/mo |
| 80 | $45.81/mo | $91.61/mo | $137.42/mo | $183.23/mo | $229.03/mo | $458.07/mo |
| 85 | $57.37/mo | $114.73/mo | $172.10/mo | $229.46/mo | $286.83/mo | $573.65/mo |
Indicative monthly premiums for female, non-tobacco. Real pricing depends on full underwriting.
Application process
- Complete the SureChoice quote calculator.
- A licensed agent calls to verify details and confirm pricing.
- Carrier underwriting decision (typically same-day for level / graded plans).
- Sign and pay first premium. Coverage starts immediately.
Claims process
- Beneficiary contacts Lincoln Heritage or our agent line.
- Submit certified death certificate.
- Carrier verifies coverage was in force.
- Payout typically within 7–14 days of receipt.
How does Lincoln Heritage compare?
Compare Lincoln Heritage with the rest
Our calculator returns indicative pricing from Lincoln Heritage alongside every other carrier in our panel.
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