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 $1,800 on traditional funerals and up to $600 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.

1-877-263-4468

​*The Federal Government only pays a maximum of just $255 towards funeral expenses. The average funeral is over $9,000.

Funeral Advantage insurance policies are underwritten by Lincoln Heritage Life Insurance Company® — one of the national leaders 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.
  • 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 Cash Insurance Benefits

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 ages
45-85 to protect their loved ones from this possible financial hardship.

The Funeral Advantage program has two key components:

The first is a Life Insurance Cash Benefit that offers easy qualification and a streamlined application process. No health examinations are necessary — only a few health questions on a one-page application. Most customers get coverage, even with health issues.

The second is the Family Support Services 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.

(Funerals: A Consumer's Guide, Federal Trade commission, www.ftc.gov)

The Family Support Service

*(a special lump sum death benefit from the federal government, www.socialsecurity.gov)

ABOUT FUNERAL ADVANTAGE PLAN