Frequently Asked Questions
What is the Cash Insurance Benefit?
Whole life benefits are available up to $35,000 for great coverage without lengthy health examinations. Coverage is issued based on answers to health questions on the application. $100,000 of additional benefits for accidental death are also available.
How long does it take for cash benefits to be paid?
Cash benefits are paid within 24 hours, once a claim is approved.
What are Family Support Services?
Upon a member’s death, the Funeral Consumer Guardian Society (FCGS) immediately takes action to help surviving loved ones with funeral arrangements and other issues that may arise.
Can I pre-plan my funeral and final wishes?
Our two-page final wishes form makes it fast and easy to decide the style of funeral you want and any other final wishes you may have.
What is the application process?
Planning for end-of-life expenses is hard enough without adding a lengthy application process with hoops to jump through. We offer an easy, one-page application with no health examinations. You just have to answer a few simple health questions on the application.
Will my rates and benefits ever change?
We believe in honesty and transparency with our customers. Your rate and benefits are locked in for the life of the policy as long as premiums are paid.
Can I still get coverage, even if I have current health issues?
Health issues should never be the sole determiner of whether or not someone is denied coverage benefits. Most applicants of our plan get coverage, even with health issues.
Do you keep my personal wishes on file, or do I have to keep up with them?
We hold your personal information at the highest regard, and we respect your privacy. FCGS keeps your wishes safe and on file, so you don’t have to worry. Your loved ones receive a 24-hour toll-free service number to call in time of need.
When does my plan go into effect?
Upon death, FCGS immediately begins comparing up to three different funeral homes to find the best price available.
Will this plan save me money?
Families save an average of $1,800 on traditional funerals and up to $600 on cremation services when they use Lincoln Heritage Funeral Advantage®.
Will I be pressured to buy from certain vendors or required to have my funeral services at a certain location?
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 as a member.