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File A Lincoln Heritage Claim

If your loved one was a member of the Funeral Consumer Guardian Society® (FCGS), please call them at (866) 571-2772, 24 hours a day to report their death.


To report your claim by phone, call our service center at (855) 706-2396.

When you call, please have the following information on hand:

  • Name of the deceased.
  • The policy number(s).
  • The date of death.


To report your claim by mail, fax or e-mail.

MAIL to: Lincoln Heritage Life Insurance Company, PO Box 29045, Phoenix, AZ 85038

FAX to: (602) 808-8845

E-MAIL to:


We will walk you through the claims process and answer any questions you may have. If your situation requires any additional forms, we will fax or mail them to you, the beneficiary or the funeral home, for your convenience.


For most claims, we'll need a certified copy of the insured's death certificate and the original policy.

For most accidental claims, we'll need a certified copy of the insured's death certificate, and any accident, autopsy, or toxicology reports.

For dismemberment claims, the documentation needed varies with the circumstances of the loss. Any medical or accident reports you can provide for review will be helpful. 

Frequently Asked Questions

What does "Assigning a Policy" mean?

When the beneficiary of a policy decides to assign the proceeds, they're instructing us to pay all, or a portion, of the death benefit directly to a funeral home to fund funeral services. For many, this is a simple way to reduce the stress of funeral planning. If you'd like to assign your policy, we recommend you contact the funeral home that will be performing services, and let them know your intentions.


When can I expect to receive the benefits?

In most cases, we issue the benefit check within 24 hours (or the following business day) of receiving the documents needed for the claim. We use standard mail so it may take about a week for the check to arrive. Sometimes, we can even overnight the proceeds (overnight fee will be deducted from the benefit check) or direct deposit them into an account. If you would like us to use one of these methods, please instruct us to do so when you call in the claim.


What if I can't find the original policy?

If the original policy can not be found, please include a signed statement that the policy has been lost or destroyed with the claim submission. Should the policy turn up at a later date, we simply ask that you destroy it.


How can I determine the beneficiary?

As long as the insured is still living, the owner of a policy can change the beneficiary at anytime. Because of this, the beneficiary stated on the original application may not be the current beneficiary. Always verify beneficiary information with us. In most cases, you can use the following as a guide to determine who the beneficiary is:

  • If the primary beneficiary is alive (or was alive at the time of the insured's passing), they are the beneficiary of the policy.
  • If the primary beneficiary passed away prior to the insured, the beneficiary is the contingent beneficiary.
  • If there is no surviving beneficiary or no stated beneficiary, the beneficiary will either be the owner of policy or the estate of the insured depending on the provisions of the policy.


The beneficiary is the estate. What are my options?

There are several options available to you. We can pay proceeds directly to the estate or the executor of the estate can assign the proceeds to a funeral home. If there is no executor or estate, the family can assign the proceeds to a funeral home using an affidavit of next of kin. If this is the case, or if there is no executor or estate and the funeral has already been paid for, please contact our claims center at (855) 706-2396 for further instructions.

Contact Us

Customer Inquiries

Contact Lincoln Heritage Life Insurance by phone at 800-438-7180

Claims: (855) 706-2396
Customer Service: (800) 438-7180
Policy Payments: (800) 930-7459

Monday — Friday: 6:30 am to 5:00pm MST
Saturday: 6:00 am to 2:00 pm MST


Reach Lincoln Heritage Life Insurance by mail

Lincoln Heritage Life Insurance Company
4343 E Camelback Road
Suite 400
Phoenix, AZ 85018

Fax & Email

Contact Us

Customer Service Fax: (602) 808-0521
Customer Service Email:
Claims Fax: (602) 808-8845
Claims Email:
Social Service Request Fax: (602) 224-2247

Contact Us