The product
A plan that pays cash to a family in 24 hours.
Funeral Advantage, underwritten by Lincoln Heritage Life Insurance Company — the largest provider of agent-produced final expense insurance in the country.
Why it exists
The bill arrives on the worst possible week.
At the death of a loved one, decisions get made under pressure. A funeral home has to be chosen, a cemetery, and a dozen arrangements — in days, by people who have never done it before and are grieving while they do.
Families without a plan in place routinely overspend by hundreds or several thousand dollars. Policies bought decades ago often no longer cover what a funeral costs today.
The plan
Funeral Advantage
Small whole-life policies from $2,000 to $35,000 for a traditional funeral or cremation. Cash value builds, the premium is fixed, and the benefit never decreases.
UBI has placed Lincoln Heritage Life Insurance Company business for 28+ years.
- Whole-life benefits available up to $35,000
- Written for ages 0 to 85
- One-page application — simplified issue, no medical exam
- Coverage based on answers to health questions on the application
- Rate and benefit locked for the life of the policy, as long as premiums are paid
- $100,000 additional benefit for accidental death available
- Cash benefits paid within 24 hours once a claim is approved
Two plans are available — one for healthy applicants and one for applicants with health issues. Coverage is not guaranteed; it is based on the answers given on the application and is subject to state availability.
Included free
Funeral Consumer Guardian Society
An independent consumer advocate organization, partnered exclusively with Lincoln Heritage Life Insurance Company and included at no additional cost with every policy.
When a policyholder dies, FCGS goes into action for the surviving family — comparing funeral homes, holding the recorded final wishes, and answering a 24-hour line.
400,000+ active members nationwide. Not affiliated with any religion, funeral home, cemetery, or particular funeral approach, and there is never an obligation to buy anything as a member.
- Included at no additional cost with every Funeral Advantage policy
- A two-page Final Wishes form records the funeral you want, kept on file
- Loved ones get a 24-hour toll-free number to call in time of need
- FCGS compares up to three funeral homes to find the best price available
- Families save an average of $1,800 on traditional funerals and up to $600 on cremation
- Not affiliated with any religion, funeral home, cemetery, or funeral approach
Sell a product you can be proud of.
One product, one niche market, year round — and a reason to knock that doesn’t depend on being the cheapest quote in the pile.
Looking for coverage for your own family rather than a career? Call 866-773-7948 and ask for a local agent.