Honest answers about final expense insurance, the application process, and how Golden Memorial protects your family. No jargon. No pressure.
No. Golden Memorial final expense plans require no medical exam and no health questions for most plans. Coverage options may be available for eligible applicants. Some plans may include limitations, exclusions, or graded benefits — a licensed representative can explain exactly how available options work before you apply.
Most plans cover ages 0 to 85. The specific age range depends on the plan type and coverage amount. During your consultation, we'll match you with the right plan for your age and needs.
No. Your premium is guaranteed level for life. It will never increase, regardless of your age or health changes. What you pay today is what you pay forever.
No. The death benefit is guaranteed and will never decrease as long as premiums are paid. Your family receives the full face amount.
Premiums typically range from $25 to $150 per month, depending on your age, coverage amount, and plan type. A 60-year-old might pay around $50-$70/month for $10,000-$15,000 in coverage. We'll give you exact quotes during your consultation — no surprises.
Most plans include a grace period (typically 30-31 days) after a missed payment. If payment is not made during the grace period, the policy may lapse. Some plans offer reduced paid-up or extended term options. We'll explain your specific policy's protections.
Yes. A child, spouse, or other family member can own and pay for a policy with you as the insured. This is common when an adult child wants to protect their aging parent. We'll structure it correctly so there's no confusion at claim time.
You can name any person or entity as your beneficiary — a spouse, child, grandchild, sibling, trust, or even a funeral home. You can also name multiple beneficiaries with specific percentages. We'll help you structure this properly.
Yes. You can be the policy owner and payor with your parent or spouse as the insured. This is one of the most common ways families protect each other. The application requires the insured's consent and signature.
Most claims are paid within 24-48 hours of receiving the required documentation (death certificate and claim form). Lincoln Heritage has a strong reputation for fast, compassionate claims handling.
Most applications are approved within minutes. No medical exam means no waiting for lab results. Coverage often begins immediately upon approval and first premium payment.
We recommend a brief consultation first — even a 10-minute phone call — so we can answer your questions and make sure you understand your options. But if you prefer, we can handle much of the process electronically after that initial conversation.
Most Golden Memorial plans provide full coverage from day one. Some graded plans have a brief period (typically 2 years) where the benefit is a return of premiums plus interest if death occurs from natural causes. Accidental death is covered fully from day one on all plans. We'll explain exactly how your plan works.
Lincoln Heritage Life Insurance Company is one of the largest and most trusted final expense insurance providers in the United States. They've been serving families for decades with stable, reliable coverage. Golden Memorial is a premier agency representing Lincoln Heritage.
No. Golden Memorial is an insurance agency — we represent Lincoln Heritage and help families find the right final expense coverage. Martin Eichhorn is a licensed insurance agent who personally guides each family through the process.
Lincoln Heritage policies are generally portable. If you move, your coverage stays with you. Martin is licensed in 8 states, so if you move within his licensed territory, he can continue to serve you directly. If you move outside those states, Lincoln Heritage's customer service team remains available.