Affordable Life Insurance Protection for Your Family

United Omaha vs Funeral Advantage

United of Omaha offers people age 45 to 85 guaranteed issue life insurance coverage.  There’s no medical exam required and you won’t have to answer any health questions.

Your coverage can never be reduced or canceled for the life of the policy due to your health or occupation as long as your premiums are paid.

How does United of Omaha compare to Funeral Advantage from Lincoln Heritage? 

United Omaha offers guaranteed acceptance, but Funeral Advantage may or may not accept you. 

United of Omaha has a higher financial strength rating which means a safer, more secure insurance company.

United Omaha offers up to $25,000 life insurance while Funeral Advantage offers up to $20,000.

Here is an overview of United of Omaha and Funeral Advantage (from Lincoln Heritage).

United of Omaha

  • From $3,000 up to $25,000 of Life Insurance Protection
  • No Medical Exam - Simple Application
  • No Health Questions Asked
  • 60 day Money-back Guarantee
  • No Waiting Period. Buy Direct
  • Rates as Low As $8.80 per month
  • Coverage Amount Never Decreases
  • Premium Never Increases
  • Builds Cash Value You Can Borrow Against
  • Guaranteed Approval 
  • A.M. Best financial strength rating: A+ (Superior)
  • Available for Ages 45-85

Lincoln Heritage Funeral Advantage Life Insurance

  • Your Acceptance is NOT Guaranteed
  • Coverage Amount: Up to $20,000
  • No Medical Exam
  • Few Health Questions Asked
  • Most People Can Get Covered
  • A.M. Best financial strength rating: A- (Excellent)
  • Available for Ages: 40 to 85
  • Rates as Low as $15 per month
  • Must be a member of the Funeral Consumer Guardian Society


Not Everyone Qualifies for The Funeral Advantage Plan from Lincoln Heritage

Funeral Advantage considers certain individuals uninsurable. This means that if you suffer from certain medical conditions you cannot buy a funeral advantage insurance policy.

These are the some of the events and conditions which may make you ineligible: 

  • Incarceration
  • Terminal Illness
  • Hospice treatment
  • If you have Aids or HIV Positive
  • If you are Confined to a Bed

If you are looking for a guaranteed issue final expense life insurance policy for people ages 45 to 85, United of Omaha may be the option for you.

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Final Expense Plans provide the security and protection you and your loved ones need, when they need it most. You can help protect your loved ones from the financial burden of paying for your final expenses.

Final Expenses Life Insurance (also known as funeral or burial insurance) is a type of life insurance policy providing $2,500-$25,000 of protection, a simple application form and hassle-free underwriting. 

Your final expense policy death benefit is paid to your beneficiary of choice tax-free. You can choose the amount of coverage that is right for you.

Final expenses insurance coverage can help you provide your loved ones with the money needed to help pay for your burial, funeral, headstone, memorial service, and any other final costs associated with your passing.

According to the 2017 funeral price survey by the National Funeral Directors Association, the average cost of an adult funeral is $8,755.00. This is based on the most commonly selected items for a traditional funeral including a casket and vault. 


Final Expense Life Insurance Quotes 


Top Pick – United of Omaha

United of Omaha offers guaranteed acceptance whole life insurance for people age 45 to 85. Choose $3,000 up to $25,000 of coverage. Rates start as low as $8.80 per month. There’s no medical exam and no health questions. You cannot be turned down. You can get a quote and apply online now. START HERE to get a FREE Quote.


Highly Recommended – Funeral Advantage from Lincoln Heritage

Lincoln Heritage Funeral Advantage Program offers final expense life insurance for people age 40 to 85. Choose up to $20,000 of coverage. Rates starts as low as $15.00 per month. There's no medical exam, but there are a few health questions asked. 



United Omaha vs Funeral Advantage

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Disclosure: Compensated Affiliate