Lincoln heritage life insurance customer service number

Thank you for choosing Heritage Insurance. It is our goal to provide you with outstanding customer service. We look forward to answering your questions.

Policyholders – Customer Service

Please contact your agent for questions concerning your policy. Your agent’s contact information can be found on your policy declarations page. For general inquiries you may reach us at our toll free number or you may find the answers for many of your questions on our FAQs page.

Claims Questions

Immediately call Heritage Insurance toll-free at 1-855-415-7120 to report how, when and where the damage occurred. Provide a description of the damage, and if possible, have your policy number handy. Our claims department is at your service 24 hours a day, 7 days a week.

Platinum Preferred Savings Program members can call the Platinum Preferred Claims Hotline at 1-855-474-6526.

Lincoln heritage life insurance customer service number

What is Assignment of Benefits?

An assignment of benefits (AOB) is a contract between you and a third party – typically a contractor, roofer or water mitigation company – giving them the right to deal directly with Heritage and receive payment for your claim. When you sign an AOB, you give up your right to manage your claim and ensure it is resolved to your complete satisfaction.
In 2019, the Florida Legislature passed common sense reforms aimed at bringing balance to the AOB process. As a result of these reforms, AOB vendors must adhere to certain legal requirements to receive payment for your claim. In addition, policyholders have been given the right to cancel an assignment agreement under certain circumstances and take back control of their claim.
Policyholders, vendors and legal representatives can submit AOB-related documents electronically or by mail.
To submit electronically, email to
[email protected]

To submit by regular mail or via overnight mail send to:
Heritage Property & Casualty Insurance
Attn. AOB Department
1401 N. Westshore Blvd
Tampa, FL  33607

Agency Services – General Inquiries & Underwriting

Please refer to the following information for general inquiries and underwriting.

Underwriting

Payments

Payments can be made though our secure, online portal, or by mail.
To make a payment, please visit our Payment page here.

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

It's easier and more affordable than you think!

FREE QUOTE

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 My Free Quote

PAYS UP TO $20,000 CASH TO YOUR LOVED ONES

It's easier and more affordable than you think!

FREE QUOTE

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 My Free Quote

About The Funeral Advantage Program

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.

What You Get With
Funeral Advantage
What You Get With
Other Final Expense Plans
Lincoln heritage life insurance customer service number

Fast Cash to Cover Final Expenses

Lincoln heritage life insurance customer service number
Families can pay funeral bills and wait for reimbursement
Lincoln heritage life insurance customer service number

Approved Claims Paid in 24 Hours

Lincoln heritage life insurance customer service number
Benefits check can take weeks or months to reach your family
Lincoln heritage life insurance customer service number
Expert Price Guidance
Professional funeral cost advice and price savings
Lincoln heritage life insurance customer service number

No guidance or savings

Lincoln heritage life insurance customer service number
Emotional Support
Caring and experienced help for your loved ones
Lincoln heritage life insurance customer service number

No support offered

Lincoln heritage life insurance customer service number
Simplified Coverage
Just a one-page application
Lincoln heritage life insurance customer service number

Confusing insurance applications

Lincoln heritage life insurance customer service number
Easy Qualifications
No medical exam, just simple health questions
Lincoln heritage life insurance customer service number
Medical exams?

Tests, background checks?
Lincoln heritage life insurance customer service number
Affordable Monthly Rates
Perfect for families on a fixed income
Lincoln heritage life insurance customer service number
Low "intro" rates, such as $1 for the first month, quickly increase

The Life Insurance Cash Benefit

Lincoln heritage life insurance customer service number

Lincoln heritage life insurance customer service number

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.

The Family Support Services

Lincoln heritage life insurance customer service number

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 particular funeral approach. There is never any obligation or pressure to buy anything from anyone.

Lincoln heritage life insurance customer service number

FCGS has saved policyholder families millions of dollars on funeral costs over the years.

Funeral Advantage 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.

Lincoln heritage life insurance customer service number

Patricia Brown

5 Star Rating

"I wanted to thank you so very much for the quick response in processing and handling my son’s claim.
Yes, having to use this policy has been sad but your prompt service to expedite payment to proceed with his funeral has been very much appreciated. I have had to handle a lot of the paperwork after his passing, and Lincoln Heritage has been very helpful and compassionate to me during this process. Thank you again for all the assistance with this claim for my son." 

Betty Lee

5 Star Rating

"I appreciate your deepest sympathy in the loss of my brother. Your service is fast with the process of the claim and I will recommend you to anyone without life insurance. Thank you for your service." 

Heidi May

5 Star Rating

"Their help, communication and timeliness was excellent. I very much appreciate working with Lincoln Heritage. Thank you for the ease with which you made the process." 

Anthony Moyers

5 Star Rating

"Great experience. Timely response to everything that was needed. Thank you for your help making this terrible time a bit easier on my family and I."

Shane Seeley

5 Star Rating

"No hassle and fast. Very courteous and sympathetic and when they said the insurance check would be there right away it was. Awesome company! Thank you!" 

Mrs. BH, Inwood, WV

5 Star Rating

"Thank you so much in the handling of my mother's claim on my behalf. Mom always worried that I had so much stress on me, taking care of her these last two years. These past few months she suffered ever so much with her cancer. I know she is smiling from Heaven and blessing you for all your help and words of comfort." 

Mrs. TB, Vancouver, WA

5 Star Rating

"I just wanted to let you know how I Appreciated the sympathy your staff showed me when dealing with your company. It has been hard dealing with my father's death and your company didn't send me through a lot of changes regarding his policy. Also, your company handled our claim in a timely manner. Again, thank you for your company and the excellent customer service." 

Mr. SK, Ludington, MI

5 Star Rating

"As a family, we want to express our deep appreciation for your promptness in processing our claim. Going through the death of a loved one is never easy, but your excellent timetable of response and the manner in which you responded is exemplary. The funeral home, which we dealt with, had never experienced such ease and convenience." 

How Funeral Advantage Assists Seniors

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.

Lincoln heritage life insurance customer service number

Is Lincoln Heritage whole life insurance?

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.

Is Lincoln Heritage Life Insurance legit?

Lincoln Heritage has decent financial ratings — but overall, the company is not one of the best life insurance companies. Their A.M. Best Rating is A-, or Excellent, and the company's NAIC Complaint Index is the same as the national median for life insurers.

How do I file a Lincoln Heritage claim?

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

How long has Lincoln Heritage been in business?

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.