• Ages 0-85 eligible to apply
• Builds cash value on the policy
• Payments to fit most budgets
• No physical exam required
    (Insurance is based on answers to health questions on the application)
• Rates can never be increased

    (as long as premiums are paid)

 

Uses of Benefits

Benefits are paid in CASH and
can be used to help pay for:

• Funeral expenses (casket & professional services)

• Transportation

• Clothing and floral expenses

• Obituaries

• Unpaid household bills

• Cemetery expenses (grave opening and closing)

• Monument or marker

• Cemetery property

• Vault or ground box

• Unexpected medical expenses

• and more!

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About Pre-existing Conditions

Pre-existing conditions such as Heart Attack, Circulation, Cancer, High Blood Pressure, Diabetes, COPD, Liver/Kidney Disease, Alzheimer’s will not prevent you from getting coverage. However, will cause a modification to your policy at the time of enrollment - which causes your premium to be higher.

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*The Funeral Consumer Guardian Society

The Funeral Consumer Guardian Society is an independent organization dedicated to helping funeral purchasers get a fair deal. Final Expense Insurance Policies written through Lincoln Heritage Life Insurance Company entitles you to a FREE MEMBERSHIP!  Some of the role of the Funeral Consumer Guardian Society are:

• Affiliated nationally with funeral homes throughout the USA

• Allowes you to decide the style of funeral you want. A two-page final wishes form makes it fast and simple.

• Your loved ones get a 24 –hour toll free service number to call in time of need.

• FCGS immediately goes into action – securing up to 3 different quotes from funeral homes to find the best pricing available as wells as securing discounts on behalf of the family.

• Offers pre-need services to loved ones

• Transfer of remains to funeral home

• Offers basic services of funeral director & staff

• Use of facilities & staff for visitation at funeral home, and for funeral at funeral home or church

• Embalming & sanitation

• Dressing, cosmeticizing and casketing

• Printing package including register book,memorial cards/prayer cards and acknowledgment cards

• Death certificate, obituary notices

• Church or clergy stipend

• Vault set up charge

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