Funeral Advantage™ Program Saves Families Money

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Funeral Advantage™ Program Aids Families

Most people qualify! Click now to get a FREE final expense insurance quote from the Funeral Advantage program.


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About Lincoln Heritage Life Insurance Company®

Londen Buildin

Lincoln Heritage Life Insurance Company was founded in 1963 — a time when final expense insurance claims could take several months to be paid to policyholders. Meanwhile, the concept of fast overnight claims 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 has an A+ rating with the Better Business Bureau and an A- (Excellent) rating with A.M. Best, an organization that evaluates the financial strength of insurance companies. We’ve also received hundreds of positive reviews over the years from policyholder families who have experienced our fast claims service. Read Lincoln Heritage reviews.

Commonly referred to as burial insurance or funeral insurance, we provide final expense life insurance quotes for people looking to protect their families from rising funeral costs. 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.

Lincoln Heritage Life Insurance Company is the leading provider of Final Expense Insurance, operating in 49 states with over 1 million policies in-force valued at more than $8 billion.

A- excellent rating by A.M. BestRated A- Excellent by A.M. Best

LHLIC 55 Years

Lincoln Heritage Life Insurance Company BBB Business Review

Rated A+ by the Better Business Bureau (BBB)

Our Leaders

Larry Schuneman

President / COO


Dear Friends,

Lincoln Heritage Life Insurance Company has been the national leader in agent produced final expense life insurance for most of our 50+ years in business. Unlike many of our competitors, final expense is not just one of several lines of business; it is our specialty and focus.

We believe that if a company of Lincoln Heritage’s size tries to be involved in a number of lines of insurance products, the natural result is they become mediocre at all of them. Instead, we choose to be the best at final expense and to invest our time and resources in this one market. As a result, we believe we have more experience and understanding of final expense life insurance than any other life insurance company in America.

The benefits of taking this focused approach are substantial:

The company reports direct insurance in-force in excess of $8 billion and more than one million policyholders have chosen to protect their loved ones with Lincoln Heritage insurance coverage. Among the top 200 premium producing life companies in the U.S., Lincoln Heritage’s capital and surplus to liabilities ratio is 66% higher than the industry average. While many companies struggle to produce premium, we reported $520 million of direct premium income last year.

Our promise is to be here to provide comfort and financial support to our customer families at their point of need and we consider this a high calling rather than just a job. I am proud to be involved in this very important industry at a time when our services are needed more than ever.


Jack Londen, III



Lincoln Heritage Life and the Londen Companies represent a remarkable achievement by a genuine entrepreneur. Jack Londen, along with his son and partner Tom, built a true final expense insurance powerhouse — hundreds of thousands of policyholders can continue to depend on Lincoln Heritage to be at their side in their time of need and thousands of agents can take pride in knowing that with us, their hard work allows them the opportunity to serve families while achieving great financial success. Dad didn’t stop there, working with his wife Lynn, dad also built AZTV, Londen Land, and other business ventures.

Being involved from the beginning, in the 1960’s I worked in the office with my Mom, Dodie Londen, issuing the first policies and typing the first commission and claim checks. Together, Dad and I made the first of 25 insurance company acquisitions starting in the early 1970’s. I am proud to help lead the company’s management now, and proud of the able help that Tom’s sons Matt and Alex are providing to Larry Schuneman, Doug Turner and Keith Perkins, our executive management team. It’s a great team.

In memory of Dad and Tom, the Londen family is fully committed to continuing Lincoln Heritage Life as an independent, family-owned business run just as it has been during the many years of enormous success. We firmly believe that the best thing for the company and for the Londen family is more of the same, with emphasis on more.

We will support and invest in improvements wherever they can be made in service to our two key communities — our salesforce and policyholders. Dad and Tom were salesmen first and our company will always put support for its salesforce at the forefront. We know that the best way to prove our commitment is to provide legendary service that our salesforce and policyholders deserve. We will keep it up.


Our Founders

Lincoln Heritage Pays Tribute to Jack and Tom Londen


It’s not uncommon for a son to want to follow in his father’s footsteps.
But when it comes to the father and son duo Jack and Tom Londen, the expression is literally true.

Jack Londen began to sell life insurance while he was still an undergrad, becoming so successful that he convinced himself he had little need for a college degree. It turns out he was right. Jack founded Arizona Trust Life Insurance Company in 1963, and his first successful company was born.

Following exactly in his father’s footsteps, Tom Londen began selling burial insurance by going door-to-door for his father’s insurance company when he was just a sophomore in college. When Tom was 28 years old, he became president of Lincoln Heritage Life Insurance Company himself.

The rest, as they say, is history.

To read more about the individual stories of our founding patriarchs, click below: