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Lincoln Heritage Life Insurance Company

About Lincoln Heritage Life Insurance Company

Lincoln Heritage Life Insurance Company was founded in 1963 — a time when insurance claims in the final expense market could take several months to be paid to policyholders. Meanwhile, the concept of fast overnight claim payment and 24-hour service for both agents and customers was more fiction than fact. As such, Lincoln Heritage's founding mission was to set a new bar for prompt, friendly, and accurate service in the life insurance industry.

Lincoln Heritage Life Insurance Company was built via the hard work and dedication of two individuals — Jack Londen and his wife Dodie. Mr. Londen got his start in the insurance business as an agent while still in college. At age 28 he started his own company with the dream of providing faster, more personalized service.

Since 2007, the company has grown more than 10% per year, with 2013 being the highest production year in company history.

Today, Lincoln Heritage Life Insurance is the leading provider of Final Expense Insurance, operating in 49 states with over 690,000 policies in-force valued at more than $5.1 billion. Lincoln Heritage Life Insurance Company is also an Accredited Better Business Bureau Business with an A.M. Best Rating of A-(Excellent). A.M. Best is an organization that evaluates the financial strength of insurance companies.

As a family-owned company, Lincoln Heritage provides the old-fashioned, personalized service you deserve. When you call us, we answer with compassion and care — every time. We understand that you might be facing one of the most difficult days of your life and we're here to make it easier.

True to our founding philosophy, we continue to earn a stellar reputation for generous, family‑friendly practices, 24-hour claims service for approved claims and prompt, hassle-free claim payments.

Our History

1963 -

Jack Londen starts his first life insurance company.

1972 -

Tom Londen becomes licensed to sell insurance, age 18.

1975 -

Lincoln Heritage is acquired by Londen Insurance Group.

1987 -

100,000 Policies in-force.

1991 -

$10 Million in Production.

1994 -

The Londen Center opens with plenty of room for growth.

1995 -

$25 Million in Production.

1996 -

250,000 Policies in-force.

2001 -

Matt Londen joins the family business.

2005 -

$50 Million in Production.

2011 -

Alex Londen joins the family business.

2013 -

$100 Million in Production.
690,000 Policies in-force.

Letters From Our Leaders

Tom Londen

Tom Londen
President/COO Tom

Dear Friends,

It is no secret the country is going through some tough economic times. It is never easy to see friends, neighbors and fellow citizens suffer from reversals. And it also makes you wonder about your own choices and the security of your own arrangements.

I am happy to report that when you are with Lincoln Heritage, you have a sound partner. We are financially stable and during these lean times, our business is actually booming. How can that be? There are several logical and self evident reasons, as follows:

We have been enormously fortunate and blessed to have the opportunity to serve the hundreds of thousands of families over the decades that we have been around. Thank you for the opportunity to serve your family.


Dear Friends,

Over the years Lincoln Heritage has become the national leader in agent produced final expense life insurance. Premium income is the lifeblood of an insurance company. While many companies struggle to produce premium, Lincoln reported $310 million of direct premium income for the year.

The best indicator of strength and stability of a life insurance company is its level of capitalization. The company currently reports $106 million of capital and surplus. A life company’s capital and surplus to liabilities ratio is an important measure of its financial leverage. While many large insurance companies have a ratio of 5% or less, Lincoln Heritage’s is 18% making it one of the strongest capitalized life companies in America.

The company reports direct insurance in-force in excess of $5.1 billion and more than 690,000 policyholders have chosen to protect their loved ones with Lincoln Heritage insurance coverage. Our strong commitment is that Lincoln Heritage will be there to provide prompt and courteous financial assistance to these families at the point of need.

While the many achievements of the past half century are indeed impressive, as we look to the future we are even more excited about the potential for greater opportunities in growth and service.

Larry Schuneman

Larry Schuneman
Senior Vice President/CFO Tom Londen

Rated A-Excellent

A.M. Best

Our rating reflects Lincoln Heritage's well-established market position in the final expense and other senior market life insurance segments. Read more.

Rated A+

BBB

We are proud to be an Accredited Better Business Bureau Business. Read more.

2013 Progress Report

Progress Report

Since 2007, Lincoln Heritage Life Insurance Company has grown more than 10% per year, with 2013 being the highest production year in company history. Download Progress Report.