Lincoln Heritage logo, business people in meeting

We are seeking Agents, Managing General Agents and Directors, who want to manage a large group of Agents.
Call us today for more information.
1-866-774-2047 or 803-773-1838
or email us at

Top AGENTS, MGAs, & Directors are earning from
$100,000 to $1,000,000 Annually.

21 reasons why Lincoln Heritage is “THE” #1 Final Expense Company in America:

  1. Our purpose is to help and enroll 10-20 families per week. By doing so many of our Agents/Managers are earning from $100,000 to $1,000,000 annually.
  2. High Commission Contracts- Top competitive contracts with growth opportunity. Advances paid daily. Top commissions, up to 75% advances on submission of applications. Advance commissions are paid Monday thru Friday (excluding holidays).
  3. Thousands of exclusive fresh, HOT leads in your area - Direct Mail, Inserts, Cable TV, and more. NO LEAD COST UPFRONT. UBI has thousands of leads available today for full time Agents/Managers who follow the company guidelines with no upfront cost.
  4. Lincoln Heritage is the largest provider of Final Expense Insurance nationwide.
  5. Exclusive partnership with the Funeral Consumer Guardian Society to help families save money on their funeral costs.
  6. 40% of your leads should be converted to sales – this means tens of thousands of dollars for our agents and an outstanding opportunity to earn an awesome income.
  7. Great residual income opportunity and grand monthly earnings plus advance.
  8. Three competitive Simplified Issue Products - one page application.
  9. Plans written from 0 - 85 years of age. Most illnesses covered first day (with paid premium). No physical or medical examination required. Coverage is based on answers to health questions on application.
  10. Group Health, Dental and Life Benefits- Available to agents and their family (must meet qualifying production requirements).
  1. Agent friendly cash flow system for high quality sales.
  2. Career agents may apply.
  3. Recession proof business 50+ years of growth.
  4. UBI proven, qualified referral system guaranteed to maintain 500 Leads at all times.
  5. Ask about our Exciting Management Opportunities.
  6. Exotic Incentive Trips - All expense paid trips awarded to contest winners
  7. Bilingual English/Spanish agents are urged to apply. Spanish leads are available in most states.
  1. Lifetime earnings potential own your own book
  2. Agent Website provides current status of your business, 24/7
  3. Receive email notifications on important issues regarding your business
  4. Call us with your questions – you will actually speak to a live person

Tell us 5 Reasons why we should consider you to be part of this #1 Final Expense Company in America……??

* All income is commission based and can vary depending on the individual Agent.


Complete our Interview form now!

Q & A

How much money can I make in a month?

Because your income is only limited by how much work you are willing to put in and how persistent you are, there is not a hard average number. We have agents who made six-figure incomes in their first year; your potential is up to you!

Average producers are usually in the range of $6,000AP = $3,900 advanced and up to $5,100 including your pay thru.

Top producers are in the range of $20,000AP = $12,800 advanced & up to $17,000 including your pay thru.

What is the company average monthly policy?

Between $45 & $50 a month.

Do I have to pay for the company materials?

No. All material, brochure, folders, applications, and training are free.

How long does it take to get paid?

The day that Lincoln Heritage receives your new business with checks or a checking account number, your money gets deposited into your bank account that same night.

Do you have chargebacks?

Yes. All insurance companies have chargebacks if the client cancels within the 1st year.

What is lead financing?

Lead financing is leads transferred to you with no up-front charges. When you start submitting your new business you are charged a small percentage of your new business income to pay back the leads.

What exactly do you sell?

We sell small whole-life policies ranging from $2,000 to $35,000 for either a traditional funeral or cremation. These small policies do build cash value, the payments are fixed, and the coverage amount never decreases. We have 2 plans (for the healthy and the unhealthy). 98% of all applicants qualify.

How much are your health and dental benefits?

Approximately $100 a month per individual or $300 for a family plan qualifying at the highest level.

Do I have to be captive?

Absolutely. We are not in the business to give away leads so that agents can use them for other companies.

Is there room for advancement?

Yes. We are always looking for people with the right leadership skills to get into management and grow. First, you must prove that you can produce yourself, follow our system, and have the right attitude and characteristics to become a manger. Once this is established, you may start to build your organization within 6 months to a year, maybe sooner!

Our starting contracts pay residual income for 10 years, and our management contracts pay lifetime renewals. This means you are going to get paid year after year, as long as your clients keep their policies. Our starting contracts offer smaller renewals, but as your front-end contract increases, so does your back end. Our pay is structured so that those on the highest contract levels make the most renewals as well, because they have worked very hard to get there. So, the harder you work and the more business you write, the more compensation you will receive. You will get paid a monthly check based on the as-earned commission and your residual income after the first year, called a pay-thru. Lincoln Heritage pays this starting the first month your clients make their second payment; they don’t make you wait 9 months like most companies.



Contact us to schedule an interview and we’d be happy to answer any other questions you have. Let’s grow together.


We believe that “Nothing happens in life until someone sells something”. Selling is the biggest calling anyone can have. UBI offers the most complete and... View Full Testimonials