Frequently Asked Questions



What will my policy cover?

The death benefit can be used for anything by the intended beneficiary.

What is the different between traditional life insurance and a final expense policy?

Traditional life insurance is typically intended to serve as income replacement for the family, while final expense serves a very distinct purpose: covering funeral costs.

What happens if there is money left over after the funeral is paid for?

With Lincoln Heritage, 100% of the benefit goes to the intended beneficiary. While you can specify how you want the money to be used and document your wishes, any money left over will be paid to the beneficiary.

Can you purchase final expense insurance for children and other family members?

Through Lincoln Heritage Funeral Advantage® anyone can get coverage. The process typically remains the same across age classes, and is uncomplicated and easy for all!

How quickly are policies paid?

At FPG you can rest easy knowing that it won’t be a hassle to get your benefit quickly. In fact, Lincoln Heritage pays claims within 24 hours of approval!

What’s a typical premium cost for a final expense policy?

An average estimate is between $40 and $60 a month for a $5,000 to $10,000 policy amount. Our agents will walk you through step by step to get you the right coverage amount for your budget.

Will I get covered even if I’m a smoker?

Yes. Typically, you will still be approved even though you smoke! While your premiums may be a bit higher than a non-smoker, you should still be eligible to get coverage (remember, we have a 98% acceptance rate!).

How do I get started?

Simply fill out this form and an agent will be in touch within 24 hours to give you your free custom quote!

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