Free Quote

Get peace of mind with
Final Expense Life Insurance

Coverage from $15/month.
Approved claims paid within 24 hours.

Cash benefits up to $35,000
No medical exam required. Just a few health questions on the application. Most people qualify!
Includes free funeral planning support for your loved ones.

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Cash benefits up to $35,000.00.
No medical exam required. Just a few health questions on the application. Most people qualify!
Includes free funeral planning support for your loved ones.

How it Works

1
Request Your Free Quote.
Fill out a quick form. It only takes a minute.

2
Speak With a Licensed Agent.
An agent will contact you to walk through your options and answer any questions.

3
Answer a Few Health Questions.
There’s no medical exam to qualify. Just simple health questions on the application to help you qualify.

4
Choose the Right Plan for Your Budget.
Policies start at just $15/month and your rate never increases, as long as premiums are paid.

5
Protect Your Family. Enjoy Peace of Mind.
Once your policy is active, your loved ones are supported when they need it most.

Why Families Choose Funeral Advantage

When my brother passed, I had no idea what was going on related to accounts in his name. I waited and still wait for his mail to be forwarded to me so I may contact the senders and let them know he was deceased. I notified Lincoln Heritage, sent them his death certificate and told them that I did not have his policy. Within a couple of weeks, I received a check. This company is easy to deal with....they're great.

R. H. from Pennsylvania

This review is bittersweet. Since I'm writing a review it means the insurance was needed and my loved one has passed. On the other hand Lincoln Insurance made the submission process so easy and simple during our time of bereavement, we didn't have to worry if we would be able bury our father with the respect and dignity he deserved. Thank you so much for being so kind, so considerate and thoughtful.

T. M. from Maryland

I've never been the type to agree with getting insurance. But in this case, I'm glad my husband did. The price was right. And when my husband passed, they were like family. Special shout out to Mr. Robin Robinson! Who is now become like family. He held my hand and show me the way through the darkness. I'm sure when my time comes, they will take excellent care of my daughter. God bless you all.

J. A. from Alabama

My parents both had policies with Lincoln Heritage, they both passed away within 3 weeks of each other. When we found their policies we contacted Lincoln Heritage. This company and their representatives were so very kind and helpful throughout the process. Very courteous and prompt.

G. P. from Montana

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Frequently Asked Questions

What Is Funeral Advantage and Final Expense Insurance?

Funeral Advantage is a type of life insurance known as final expense insurance. It’s specifically designed to cover funeral and other end-of-life expenses.

What Will My Policy Cover?

Funeral Advantage accepts 99% of all applicants even if they have pre-existing health conditions or have been denied coverage by other insurance plans. Your qualification is determined by your answers to health questions on the application – no medical exam is required!

Policies come with a Personal Funeral Advisor™. What do they do?

When a policyholder passes away, we want to make sure things go smoothly and easily for the loved ones taking care of the funeral arrangements. Your loved ones get a 24-hour toll-free service number to call in time of need. Your Personal Funeral Advisor will compare up to 3 different funeral homes to find the best price available. Families save an average of $1,850 on traditional funerals and up to $1,100 on cremation.

Is It Hard to Make a Claim?

Losing someone is never easy and we want to make sure your loved ones are taken care of every step of the way. Our claims process is simple, requires no long forms, and claims can be reported 24/7 online or by phone.

About Funeral Advantage

America’s Leader in Final Expense Insurance

Policies Underwritten by Lincoln Heritage Life Insurance Company®
Licensed and regulated in 48 states and proudly operating in the U.S.
(Except NY & WA).
Real People, Real Support
Our customer service team is based in Phoenix, AZ. No phone menus. No bots.
Family-Owned & Operated for Over 60 Years
Helping other families prepare for life’s hardest moments with care, compassion, and coverage they can count on.
Millions in Customer Savings
Last year alone, Funeral Advantage helped save policyholders’ families over $8.5 million on funeral costs.
1,000,000+ Active Customers
Over 1 million active insurance policies in-force valued at more than $10 billion.
Access to a Personal Funeral Advisor™
Your family gets funeral planning guidance, price comparisons, and emotional support when it matters most.