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Yes. You can surrender the policy and exchange it for the value. You can take a loan against the cash value, which may or may not incur interest, depending on the insurer.
So, yes structurally speaking Lincoln Heritage operates in a multi-level marketing fashion.
Funeral Advantage insurance policies are underwritten by Lincoln Heritage Life Insurance Company one of the nations largest final expense insurance companies. We specialize in helping people cover their funeral costs and other final expenses. Cash benefits are paid within 24 hours, once a claim is approved.
How Does The Lincoln Heritage Funeral Advantage Program Work? The Lincoln Heritage Funeral Advantage program is a small death benefit whole life insurance policy that doesnt require a medical exam. It pays a cash benefit (tax-free) to your loved ones or a funeral home to cover all your funeral expenses.
Lincoln Heritage is a legitimately licensed insurance company based in Phoenix, AZ. Also, they are accredited with the BBB and have an A+ rating. Their final expense insurance is very expensive relative to other providers, but that does not detract from the fact that they are a legitimate insurance company.
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Since it opened its doors in 1963, Lincoln Heritage has specialized in one type of life insurance: final expense. Its Funeral Advantage policy is tailored to those who want to purchase coverage to take care of their funeral, burial and end-of-life expenses.
As an independent consumer advocate organization, the FCGS mission is to help families save money on funeral costs.

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