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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 2014 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

Larry Schuneman

Larry Schuneman
Larry Schuneman

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.

On behalf of the whole Londen family, I want to thank our larger family — Lincoln Heritage Regional Directors, Managers, Agents, and Londen Companies Associates, and Policyholders — for the kindness you have demonstrated. My Dad’s passing was very sad for us, but it is a great comfort to know how many people loved and respected him, how many careers and lives he helped, and how many people sincerely enjoyed knowing him.

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 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, Jr.

Jack Londen, III
Jack 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+


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

Reaching New Heights

Progress Report

Since 2007, Lincoln Heritage Life Insurance Company has grown more than 10% per year, with 2014 being the highest production year in company history.