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Pays Up To $20,000 Cash To Your Loved Ones

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Funeral Advantage Program Saves Families Money

Most people qualify and no medical exam is required! Click now to get a FREE final expense insurance quote from the Funeral Advantage program.

Get state-specific facts on funeral costs, funeral planning, and more by filling out the form below.

Our Program Details

Like everything today, funeral costs are rising. It's not uncommon for funeral costs to run tens of thousands of dollars, potentially leaving loved ones with a big financial burden. But there is a simple solution. The Funeral Advantage program was designed to be a one stop easy way for Americans to protect their loved ones from this possible financial hardship.

Funeral Advantage is a Final Expense Life Insurance Cash Benefit that offers easy qualification and a streamlined application process. Commonly known as burial insurance or funeral insurance, final expense insurance is designed to help cover end-of-life expenses. No health examinations are necessary — only a few health questions on a one-page application. Most people get coverage, even with health issues.

Family Support Services are provided at no additional cost to every policyholder through the Funeral Consumer Guardian Society® (FCGS). Upon the death of a Funeral Advantage policyholder, a live representative from the FCGS is ready to go into action on your family's behalf to help surviving loved ones cope with the many details that immediately arise.
You can read Lincoln Heritage Funeral Advantage reviews.

Funeral Advantage insurance policies are underwritten by Lincoln Heritage Life Insurance Company® — one of the nation's largest final expense insurance companies. We specialize in helping people cover their funeral costs and other final expenses.

  • Cash benefits are paid within 24 hours once a claim is approved.
  • Whole life benefits available up to $20,000.
  • No health examination necessary to apply, just a few health questions on the application.
  • Easy, one-page application.
  • Most people get coverage, even with health issues.
  • Rate and benefit are locked in for the life of the policy for as long as premiums are paid.
  • $100,000 additional benefit for accidental death available.

When a policyholder passes away — we want to make sure things go smoothly and easily for the loved ones taking care of the funeral arrangements. On your behalf, the Funeral Consumer Guardian Society (FCGS) immediately goes into action to help surviving loved ones in charge of funeral arrangements cope with the many details that immediately arise.

  • When you enroll for Funeral Advantage insurance coverage, you can also decide the style of funeral you want... a 2-page final wishes form makes it fast and simple.
  • FCGS keeps your wishes safe and secure on file.
  • Your loved ones get a 24-hour toll-free service number to call in time of need.
  • FCGS immediately goes into action — comparing up to 3 different funeral homes to find the best price available.
  • Families save an average of $1,850 on traditional funerals and up to $1,100 on cremation.

The FCGS is not affiliated with any religion, funeral home, cemetery, or any funeral approach. There is never any obligation or pressure to buy anything from anyone.

Seniors are one of the most under-served age groups in the life insurance industry. Most life insurance companies focus on selling term insurance to younger age groups because the premiums are higher – making them more money. Most seniors don’t need term insurance. They need something that will help cover their end-of-life expenses like funeral costs and any medical bills they leave behind. But qualifying can be challenging, especially if you’ve had health issues.


That’s why Funeral Advantage was created. Funeral Advantage from Lincoln Heritage Life Insurance Company assists seniors and their loved ones by helping them plan and pay for their final wishes. With low rates starting at just $15 a month, Funeral Advantage is an affordable whole life insurance policy that helps families when they need it most.


Upon a Funeral Advantage member's death, there are literally hundreds of decisions to be made by the surviving loved ones — some potentially very costly. The Funeral Consumer Guardian Society (FCGS) immediately goes into action to help those in charge of funeral arrangements cope with the many details that immediately arise. With Funeral Advantage from Lincoln Heritage℠, everything can go as smoothly as possible for your loved ones during a time of intense emotions and stress.

family Hiking

What you get with
Funeral Advantage

What you get with
 Other Final Expense Plans

Fast Cash to Cover Final Expenses

Families can pay funeral bills and wait for reimbursement

Approved Claims Paid in 24 Hours

Benefits check can take weeks or months to reach your family

Expert Price Guidance 
Professional funeral cost advice and price savings

No guidance or savings

Emotional Support
 Caring and experienced help for your loved ones

No support offered

Simplified Coverage
 Just a one-page application

Confusing insurance applications

Easy Qualifications 
No medical exam, just simple health questions

Medical exams? Tests, background checks?

Affordable Monthly Rates
 Perfect for families on a fixed income

Low "intro" rates, such as $1 for the first month, quickly increase

Our Reviews

Every day, we receive letters and online reviews from beneficiary families who have experienced the fast claims service of the Funeral Advantage program. With approved claims paid in 24 hours, we ensure our policyholder families have the money they need to fulfill their loved one's final wishes. Read more Funeral Advantage reviews.

Senior couple reading on laptop