At Bluewave Insurance we are proud to present our clients with Lincoln Heritage Funeral Advantage Life Insurance. We confidently believe that Lincoln Heritage has high-quality products to save seniors money and provide coverage. To learn more, contact one of our experienced agents at 800-208-4974.
Lincoln Heritage Background and Company Profile
Started in 1981 and headquartered in Phoenix, Arizona, Lincoln Heritage is unlike most insurance companies. They are family-owned and operated and they have a unique business model which gives them a lot of freedom to be versatile in the industry. Since they don’t have to answer to stakeholders, they prioritize customers the most. They make sure each customer is given proper attention to their needs and given the right service.
Due to their outstanding customer service, they have earned an A+ Review on BBB Rating. They pride themselves in their values of respect and dignity. Overall, they want to provide their clients with the most coverage so they can have peace of mind.
Lincoln Heritage Financial Value and Rating
With over 55 years in business, Lincoln Heritage Life Insurance has shown pristine financial performance over the years. They have shown great stability in their balance sheets and just last year they paid out more than $198 million in insurance claims. They have an easy claim system where it’s fast so mourning families can focus on grieving and not on high funeral cost. They currently have an A- rating with A.M. Best.
What is it important to get Funeral Advantage Program or Final Expense Life Insurance?
When you pass away, the last thing you think about is who is going to pay for the funeral? Most times when Funeral insurance isn’t placed, the bill is passed onto the family and loved ones and they have to mourn about death and the unexpected costs. Funeral arrangements can cost upwards to $10,000-$15,000 that includes the funeral home, cremation, headstone, reception, and more.
To avoid these out-of-pocket costs, it’s important that seniors sign up for funeral insurance and get immediate coverage. With Lincoln Heritage, Funeral Advantage folks are able to have peace of mind and mourn without worrying about whos going to pay for it.
If you’re wondering if you may need funeral insurance, give us a call at 800-208-4974 to learn more about how you can get coverage and the best plan for you.
Benefits of Lincoln Heritage Life Insurance Company Funeral Advantage Plan
Lincoln Heritage Life offers excellent final expense insurance coverage through its Funeral Advantage plan. With Funeral Advantage folks can receive a death benefit of up to $20,000. Most of all, they have simplified the requirements to make this more accessible to people. In this case, there is no medical exam required and they have the application online which can be completed in minutes.
In addition to Funeral Advantage they also provide these products for additional coverage:
- Accidental death
- Dental, vision, and pharmacy discount plans
- Identity theft protection
- Medical bill reduction plans
- healthcare system assistance
Those are just some of their other insurance products. But what most people come to Lincoln Heritage is for their funeral advantage plan. As noted before, they offer up to $20,000 in coverage plus that cash value grows over time with interest. In this case, if there is access capital from the payout, that money can be used for other expenses not pertaining to funeral expenses. Family members can use it to pay medical bills, mortgage payments, and other out-of-pocket costs.
If you have any questions regarding the Lincoln Heritage funeral advantage or would like to discuss other plans and providers, give us a call at 800-208-4974 for a free no-obligation consultation and quote comparison. Our experienced insurance agents would be glad to answer any of your questions.
The Funeral Consumer Guardian Society membership is a family support service that Lincoln Heritage provides to the policyholder’s loved ones, once they pass away. They can help with final wishes, offer a 24-hour toll-free-service number, as well as help compare funeral home prices in order to save loved one’s money. If you would like to learn more about Lincoln Heritage and their death benefits, contact us at 800-208-4974.
There are only a few conditions that will not qualify you for the Lincoln Heritage Funeral Advantage plan. These conditions are HIV, AIDS, terminal illnesses, being in hospice care, and being hospitalized. However, even if you have a serious health condition, Lincoln Heritage may still accept you with their modified plan, however, there is a 2-3 year waiting period before you can get full benefits. The Lincoln Heritage modified plan makes this one of the most acceptable and affordable plans.
Lincoln Heritage Funeral Advantage Application Process
Lincoln Heritage life insurance company has an easy application process that many people can do. With their funeral advantage plan, folks aren’t required to take a medical exam, but you must answer health questions. In this case, in order to qualify it’s best that you have a healthy lifestyle and have good health conditions. However, if you aren’t able to qualify right away because of a preexisting condition, don’t worry, Lincoln Heritage can provide a modified funeral advantage plan.
If you have these following diagnosis you may qualify for Lincoln Heritage’s modified funeral advantage plan:
- Kidney disease
- Heart disease
- Cancer
- Lung, liver, or kidney disease
- Alzheimer’s
- Diabetes
With the modified plan, you will still be able to receive the full payout of $20,000 but only after a 3 year waiting period, but only 2 years if you’re under 50. This waiting period is required because due to the preexisting diagnosis, the insurance company is taking in more risk, in order to balance that out the waiting period ensures that both parties are taking an equal risk.
No matter what your health issues are, healthy or not, you will still be able to get coverage with Lincoln Heritage. To learn more about their plans and to compare providers give us a call at 800-208-4974, one of our experienced agents will be able to assist you with any questions.
Lincoln Heritage Life Family Support Services
One unique service that Lincoln Heritage provides to appointed beneficiaries provide to loved ones and families with the Funeral Consumer Guardian Society (FCGS). When a policyholder passes away FCGS immediately aids the living loved ones with the funeral planning.
Here are some of the benefits of FCGS:
- Fast and simple Two-page final wishes form
- 24-toll free service line for loved ones to call for assistance
- FCGS will compare three different funeral homes to find the best price
These are just some of the benefits with the Funeral Consumer Guardian Society, if you would like to learn more about these benefits and how you can sign up, make sure to contact us at 800-208-4974. We would be happy to assist you and aid you with the funeral advantage program journey.
Our Expert Advice
We advise that folks obtain a funeral insurance plan whether it’s Lincoln Heritage or another provider. Signing up to burial insurance will help you save money in the long run so loved ones can focus on mourning instead of worrying about how they’ll pay for the funeral expenses.
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If you have questions about which Lincoln Heritage funeral advantage plans, give us a call at 800-208-4974. Our experienced agents would be more than happy to help you.
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