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On top of being expensive even for healthy folks, their underwriting forces many applicants with certain health issues to pay MUCH higher premiums.
So if you’ve ever had any of those health events listed above, Heritage Lincoln is going to hijack your wallet.And make no mistake, the impression you are left with is by design! Then boom in less than 24 hours, you have a check in hand.That is what they want you to think, but as you now know, that is not how it works.All of the conditions below are accepted by other companies that we represent.These companies will not charge you one dollar extra or impose a waiting period on your policy. If you have had any of those events at any point in your life, you are almost certainly on blood thinners or other heart medications to this day.In case you haven’t figured it out by now, no your claim will not ever be paid within 24 hours of the insured passing away. Here’s the bottom line If your claim were to take 2 days, 5 days, 10 days, or a month to be approved, you would have to wait until it was finally approved before they would consider paying it.
If you listen to their agents, or browse their website, you would be left with the a certain impression. At any point you can notify Lincoln Heritage Life Insurance Company that the insured passed away.There’s no benefit the Lincoln Funeral Advantage program offers you that you cannot achieve on your own or free from other companies.Funeral Advantage is a life insurance policy underwritten by Lincoln Heritage insurance company in combination with a membership to the Funeral Consumer Guardian Society to help family members with arranging the funeral.However, all those health issues are accepted by one or more of the final expense companies we work with. In case you are wondering; yes those are real numbers. We aim to please 😉 Every form of Funeral Advantage advertising will reference the fact that they pay claims in 24 hours . Did you see how they slipped in a little phrase like “of claim approval”, or “once a claim is approved”?Here they are again; only we highlighted them for you. Your claim must be approved before they even consider paying it.Rest assured because you are in good hands; you just found the most thorough Lincoln Heritage review in the world. Don’t worry because we are going to answer all those questions and then some!