THE HERITAGE PLUS PLAN...

MAKES PLANNING FOR FINAL EXPENSES VERY EASY

 
   

 


The Heritage Plus Plan is the newest and next generation of final expense burial insurance policy on the market today. This plan combines a Lincoln Heritage Life Insurance Company policy with a complimentary membership into the Funeral Consumer Guardian Society. The Funeral Consumer Society is a not-for-profit organization based in Washington D.C.

For more information regarding the Funeral Consumer Guardian Society please visit their website at www.funeralconsumer.org or by following the link attached to the logo below.

  
Funeral Consumer Guardian Society website
   
HERITAGE PLUS PLAN HIGHLIGHTS INCLUDE:		  
   
  • Up to $15,000 Cash Benefit for Final Expenses
  • Membership in the Funeral Consumer Guardian Society (FCGS)
  • Extra Cash Benefit Up to $100,000 for Death Due to Accident, War or Terrorist Attack
  
   


The Heritage Plus Plan offers (Conditions may vary according to state):

FINAL EXPENSE WHOLE LIFE and 20 PAY - provides a level death benefit during the lifetime of the insured. Premiums payable for life on the whole life and fully paid up after 20 years on the 20 Pay.

 
   


Final Expense Whole Life

  
   
      • Ages 0 to 85
      • Minimum face is whatever $15 per month will buy
      • Maximum face
        • Ages 0-80............$15,000
        • Ages 81-85..........$10,000
  
   

Final Expense 20 Pay

  
   
      • Ages 0 to 80
      • Minimum face is whatever $15 per month will buy
      • Maximum face is $15,000
  
   

PREFERRED WHOLE LIFE - features very competitive rates for those between the ages of 0 to 80. It provides a level death benefit during the lifetime of the insured

  
   
      • For non-tobacco users in good health
      • Ages 0 to 80
      • Minimum face is whatever $15 per month will buy
      • Maximum face is $15,000
  
   

GRADED DEATH BENEFIT - for those with health problems for the past 13 to 24 months. Unlike most companies, we do not have a lot of qualifying questions to get this coverage. Rates are same as our standard plan. It is available from ages 0 to 85.

  
       
   

MODIFIED DEATH BENEFIT - for those with health problems for the past 24 months. Unlike most companies, we do not have a lot of qualifying questions to get this coverage. It is available from ages 40 to 85.

  
       
   

ACCIDENTAL DEATH & DISMEMBERMENT (AD&D) RIDER

  

This rider provides additional benefits needed in today's troubling world. Terrorism and accidents are definitely factors in the world today, and Lincoln Heritage Life is not shying away from its responsibility to help protect our insured's from these horrible events.

The new accidental death and dismemberment rider issued by Lincoln Heritage Life Insurance Company provides the following benefits. It is available for purchase on a per unit basis with the maximum number of units being five (5).
   
Benefit Description One Unit Five Units
Accidental Death $5,000 $25,000
Single Dismemberment $2,500 $12,500
Death due to Auto Accident $10,000 $50,000
Death due to Common Carrier $20,000 $100,000
Death due to act of war or terrorism $20,000 $100,000
Transport of Mortal Remains Up to $1,000 Up to $5,000
 
   
To learn more about this rider as its own policy and its benefits, exclusions and limitations, please read the information on our Accidental Death and Dismemberment page.
 
   
CHILD RIDER		  
Each unit insures each child or stepchild for $2,000 level term to age 22, regardless of the number of children.  A maximum of 5 units may be purchased. Children must be 18 or under at the time of application.

Children born after the effective date of the rider and who are at least 30 days of age are automatically included at no extra charge.  This rider may be converted to any permanent plan of insurance of any equal or lesser face amount on the policy anniversary on or next following the insured child's 22nd birthday.  Only natural or adopted children of the owner can be covered under the rider.  Grandparents may not purchase this rider on grandchildren.
   
It has always been our pleasure to provide you with quality products and services. Now with this new three-thronged approach, we believe that the Heritage Plus Plan will begin a new era for Lincoln Heritage Life Insurance Company. We want to thank you for your past and continued support to help bring the most diverse and complete final expense insurance plan available today. 		 
       
 
 
   
     
  ©2002 Lincoln Heritage Life Insurance Company. All Rights Reserved. Privacy Statement.
4343 East Camelback Road, Phoenix, AZ 85018. Telephone: 1-800-433-8181 		 
     
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