Lincoln Heritage | Life Insurance Company

• How long has Lincoln Heritage been in business?
• Where is Lincoln Heritage Life Insurance Company located?
• How big is Lincoln Heritage Life Insurance Company?
• Can I change my beneficiary over the phone?
• Can I name a funeral home as my beneficiary?
• What happens if I can't make my payment on my life insurance?
• I got an offer for additional benefits in the mail. Can I activate it over the phone?
• Can I get a quote for additional coverage over the phone?
• How long does it take to process my request?
• What services can the Home Office help me with?
• Do you sell auto/homeowners/fire/pet/long-term care insurance?
• Can I update my address and phone number?
• Can I change the date of my automatic bank draft for my premium payment?
• Who can receive information on my policy?

Lincoln Heritage Life Insurance Company was founded in 1962 under Illinois law.

The company is domiciled in Springfield, Illinois, and its executive offices are in Phoenix, Arizona.

We have over 320,000 policyholders and do business in 48 states and the District of Columbia. We have assets of over 549 million dollars and are financially secure.

Beneficiary changes must be submitted in writing. You need to consider exactly how you want the benefits to be paid when you pass away. Be specific. We recommend naming a primary beneficiary as well as a contingent beneficiary to receive funds in the event that your primary beneficiary passes away before you do. If you name multiple beneficiaries, please describe exactly how benefits should be paid. Review your choices periodically. A difficult situation can arise when the primary beneficiary passes away prior to the insured. Without a contingent beneficiary named, funds are most often paid to the estate of the insured. This can be time-consuming, and is often an expensive method of payment for the family.

Unless you reside in one of the following states you may name a funeral home as your beneficiary:

We recommend that you name the funeral home to the extent "as their interest may appear" and also name a trusted friend or family member as a contingent beneficiary. If you do reside in one of the above states, you may not name a funeral home as beneficiary. We recommend that you name a trusted friend or family member who will carry out your wishes at the time of claim.

Your policy has a 31-day grace period to make payments without applying for reinstatement. If your policy has been in force long enough to accumulate cash value, an Automatic Premium Loan may be available to pay past-due premiums.

No. We need your signature in order to activate these benefits. Please return the signed form to us. If it has been misplaced, please contact us and we will send a new form to you.

Quotes must be given by a licensed agent. We will be happy to take your information and have a local agent contact you. You may submit the information yourself through our convenient online form here.

We process requests on a first-come, first-served basis. All requests are generally processed within 5 business days. Please allow time for the mail to be received and returned as well.

We offer personal assistance in reviewing, changing, or discontinuing your existing policy. We also handle your billing and bank draft payment needs. Please call us if you need a form and can't obtain it from the website, or if you have questions about filling out a form. We can also discuss your policy status and make payment arrangements if needed.

We offer whole-life insurance, Medicare Supplements (must have Medicare to qualify) and pre-arranged funeral planning.

Yes, call us at 1(800)438-7180 or e-mail service@lhlic.com.

Yes, please call at least 3 business days in advance and we can move your monthly draft within your grace period. Your monthly draft must be between the 1st and 28th of each month. If your automatic draft falls on a Saturday, Sunday, or bank holiday, it will be deducted from your account on the following business day.

Only the policy owner is able to receive information, unless they authorize another person to do so by contacting us via phone or in writing.