The Top Rated Final Expense Carrier In America

 I haven't updated my blog in a while, so I want to share some new insights I've gained recently. Imagine you're at home, searching for the top-rated final expense carriers. You might go to Google and type in "final expense insurance." However, you'll notice that apart from sponsored advertisements, you encounter websites designed by insurance agencies.

 As an agent for Lincoln Heritage, I proudly offer one plan, one product, and with confidence and data to support it, I can say it's the most valuable final expense carrier in America. We consistently pay more claims annually than all of the other 35+ final expense carriers combined.

 What surprised me is that these agencies list out the top 10 carriers, which are only the carriers they offer. I scoured the first few pages of Google Search, and I couldn't find any agency mentioning Lincoln as the number one final expense carrier. This can create deception when people are trying to find the best insurance to protect their families.

 I also discovered that some websites had incorrect information about the Lincoln Heritage product. I admit I was ignorant, assuming that a website promoted on Google had to provide accurate information, but I was wrong. I don't make the rules, but I'm a big fan of following them.

 As an independent agent contracted with Lincoln, I can now openly mention the company I represent. Lincoln is America's largest final expense carrier, handling its own marketing. Other companies are mentioned by name because the independent agents representing them can advertise both their agency and the carriers they represent.

 Now that I no longer do paid advertisements, I can openly represent Lincoln Heritage. I've been in the business for nearly two decades, with my first 13 years as a broker offering multiple carriers. For the last six years, I've represented Lincoln Heritage because my goal isn't just to sell the cheapest insurance but to assure clients their policies will pay off and provide access to professional funeral planners.

 Lincoln Heritage ensures that money from the life insurance policy stays with your family, rather than going entirely to the funeral director. We pay claims within 24 hours, so your family has the funds when they need them most.

In 2021 we paid over $280 million in claims, while the second-largest final expense carrier paid only $840,000. In my experience as a broker, claims rarely got paid within the first two years. Since I joined Lincoln, all claims within the contestability period were paid in less than 30 days.

 Once past the two-year contestability period, we make up to 80% of the death benefit available within 24 hours of passing, with the rest upon receipt of the death certificate. We also offer a plan with a two-year waiting period; uniquely, we can reduce coverage in the future without starting over.

 We run a prescription history check for our clients, allowing us to process claims faster. The final expense industry brings in $500 million a year, and Lincoln accounts for $150 million of that. We must be doing something right to capture 40% of the annual business among nearly 40 final expense carriers.

 Lincoln is a leader in the final expense industry, paying more claims and actively helping families when it's time to use the insurance. We are second to none, regardless of what any agent or agency manager might say when ethics take a back seat to promote their website.

 In the end, when it comes to something as crucial as life insurance, we have one chance to get it right for our family when we leave them behind. Money is only half the battle; having plans and arrangements is the other part. Lincoln excels in both, making us the number one final expense company in America.

Learn more Ohio Final Expenses