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We are the leading final expense insurance company.

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About Lincoln Heritage Life Insurance Company®

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 is 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.

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 878,000 policies in-force valued at more than $6.59 billion.

Our History

Jack Londen starts his first final expense insurance company.
Tom Londen becomes licensed to sell insurance, age 18.
Lincoln Heritage is acquired by Londen Insurance Group.
100,000 Policies
$10 Million in Production.
The Londen Center opens with plenty of room for growth.
$25 Million in Production.
250,000 Policies
Matt Londen joins the family business.
$50 Million in Production.
Alex Londen joins the family business.
$100 Million in Production. 690,000 Policies in-force.

Our Leaders


Larry Schuneman

President / COO

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 $6.59 billion and more than 878,000 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.


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.



Jack Londen, III


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 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:

Jack Winston Londen Thomas Allen Londen


We Are What You See

Our Business is about providing real value for real people.

A- excellent rating by A.M. Best

Rated A- Excellent by A.M. Best

A.M. Best Company — The oldest, most experienced rating agency in the world has been reporting on the financial condition of insurance companies since 1899. A.M. Best has given Lincoln Heritage Life Insurance Company its rating of "A-" based upon financial information provided through 2012.

This "Excellent" rating is assigned after A.M. Best has completed an extensive quantitative and qualitative evaluation of a company's financial strength, operating performance and market profile. Best's Ratings represent the current and independent opinion of a company's financial strength and ability to meet obligations to policyholders. For a complete Best's Rating Report free of charge, please contact our office.

Best's Ratings are not a warranty of an insurer's current or future ability to meet its obligations to policyholders, nor are they a recommendation of a specific policy form, contract rate, or claim practice.

Lincoln Heritage Life Insurance Company BBB Business Review

Rated A+ by the Better Business Bureau (BBB)

Better Business Bureau — The Better Business Bureau is the authority on trust in the marketplace. They set and uphold a high standard for ethical marketplace behavior so accreditation is a coveted honor. Because of this, the Better Business Bureau is the preeminent resource to turn to for objective, unbiased information on businesses and charities.

We are proud to be an Accredited Better Business Bureau Business that practices the eight standards of trust:

  • Build Trust
  • Tell the Truth
  • Honor Promises
  • Safeguard Privacy
  • Advertise Honestly
  • Be Transparent
  • Be Responsive
  • Embody Integrity