Verified
Well, after being told there wasn't a waiting period I was told that my prescription was rejected when I only take two water pills a day. That's It!!! now please reevaluate the policy and then tell m... See more
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Verified
Nice trogens check outs pretty smooth performances. Needs plenty customer service support. Also sending the chime out there for deeper than better results and growth factors regarding health at it's... See more
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Jamie is the sweetest and most helpful person I’ve encountered in all my life insurance shopping!! Very knowledgeable and helpful when deciding on what would be the best fit policy for my wants! Great... See more
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Verified
Michael made sure to explain everything to me. He was also very patient and compassionate when he was speaking to my younger brother. He remained in contact with me to confirm that our policy was appr... See more
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Company details
- #5 of 22 best companies in Life Insurance Agency
- #2 of 4 best companies in Cremation Service
- #3 of 6 best companies in Funeral Insurance Company
About Heritage Associates
Written by the company
Insure Peace of Mind
Cremation
Burial
Life Insurance
Heritage Associates is the Texas and Minnesota regional agency of Lincoln Heritage Life Insurance Company, the market leader for final expense coverage. Heritage Associates offers small, whole-life insurance policies and planning assistance to alleviate the burden placed on loved ones when the time comes to coordinate and pay for a funeral. Policies range from $1,000 – $20,000 in coverage, and benefits are accessible within 24 hours at the time of need. No medical exam is required, and most qualify with no waiting period necessary. Rates do not increase and policies do not expire once coverage begins!
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Contact info
4.9
Excellent
179 reviews
Jamie made it so easy for me to…
Jamie made it so easy for me to understand the concept of the funeral home plans
Date of experience: June 24, 2025
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Verified
Don't Understand the Review
Well, after being told there wasn't a waiting period I was told that my prescription was rejected when I only take two water pills a day. That's It!!! now please reevaluate the policy and then tell me or I plan to cancel.
Date of experience: June 01, 2025
Reply from Heritage Associates
Thank you for taking our call, Mrs. Porter! I’m glad we were able to clarify the misunderstanding—it appears we were being mistaken for another company. Rest assured, we never deny or reject applicants based solely on a single prescription. In fact, most applicants qualify for immediate coverage, just as you did with your original policy. Both of your policies remain in good standing, and we truly appreciate the opportunity to help you increase your coverage and continue serving you and your family.
IT WAS QUICK AND EASY THANK YOU
IT WAS QUICK AND EASY THANK YOU , JAMIE PAYNE
Date of experience: June 03, 2025
Reply from Heritage Associates
Thank you so much for taking the time to share your experience! We’re glad to hear the process was quick and easy for you. We truly appreciate your feedback and will be sure to pass your kind words along to Jamie!
Verified
They made sure I got and reasonable…
They made sure I got and reasonable price on my
Life insurance policy
Date of experience: May 04, 2025
Reply from Heritage Associates
Thank you so much for your kind words! Making sure our clients get the coverage they need at a fair and reasonable rate is always our top priority. If you ever have questions or need anything in the future, don’t hesitate to reach out. We’re here to help!
Verified
Trust
They explained all the steps with no surprises. Making the transition easier making me feel comfortable with my decision.
Date of experience: May 05, 2025
Reply from Heritage Associates
Thank you so much for your kind words! We’re glad to hear that the process felt smooth and transparent. It’s our goal to make every step as clear as possible so you can feel confident in your decisions. We appreciate your trust and are here for you anytime you need us!
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Verified
Compassion and Patience
Michael made sure to explain everything to me. He was also very patient and compassionate when he was speaking to my younger brother. He remained in contact with me to confirm that our policy was approved. I really appreciated that.
Date of experience: March 25, 2025
Reply from Heritage Associates
Thank you for your thoughtful review! We’re glad to hear that Michael was able to clearly explain everything and offer compassion throughout the process—especially when speaking with your younger brother. Keeping you updated and ensuring your policy was approved is the easy part. Thank you for your trust and the opportunity to serve you in the future on some of the hardest days.
Verified
Was given the facts I needed to understand
Was given the facts I needed to understand insurance policies. Agent answered my questions and explained differences to me.
Date of experience: April 10, 2025
Reply from Heritage Associates
Thank you for your kind review! We’re glad to hear that you felt well-informed and that your questions were answered clearly. It’s always our goal to make final expense insurance easy to understand and to help you feel confident in your decisions. Please don’t hesitate to reach out if you ever need anything in the future!
Verified
Reply from Heritage Associates
Thank you for the kind words! We’re so glad to hear that Lydia was able to provide helpful insight and demonstrate her knowledge. We’ll be sure to share your feedback with her. Most importantly, thank you for the opportunity to serve you and your loved ones!
Verified
Excellent customer service and product
Date of experience: February 01, 2025
Reply from Heritage Associates
Thank you so much for the kind words! We’re thrilled to hear you had a great experience with both our service and product. If there’s anything else we can do for you, don’t hesitate to reach out! Thank you for the opportunity to serve you and your loved ones!
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Robin was very nice and helpful and…
Robin was very nice and helpful and explained things well.
Date of experience: March 01, 2025
Reply from Heritage Associates
Thank you so much for your kind words! We’re thrilled to hear that Robin was able to assist you and explain everything clearly. We’ll be sure to pass along your feedback—it’s always appreciated! Most importantly, thank you for the opportunity to serve you and your loved ones!
Jamie is the sweetest and most helpful…
Jamie is the sweetest and most helpful person I’ve encountered in all my life insurance shopping!! Very knowledgeable and helpful when deciding on what would be the best fit policy for my wants! Great communication and she keeps you up to date on everything about policy!!! Thank you Jamie and Lincoln Heritage!!!
Date of experience: March 13, 2025
Reply from Heritage Associates
Thank you so much for your kind words! It brightens our day to hear that Jamie provided such a great experience. She truly goes above and beyond to help policyholders find the best coverage for their needs. We appreciate your trust in Jamie and the opportunity you've given us to serve you and your loved ones. Please don't hesitate to give us a call if there is anything we can do for you in the future!
Jaime is very personable
Jaime is very personable, friendly, made me laugh and feel at ease. Pleasure talking to her
Date of experience: February 28, 2025
Reply from Heritage Associates
Thank you for your kind words! We’re so glad to hear that Jaime made your experience enjoyable and put you at ease. She truly has a gift for making people feel comfortable! We appreciate you taking the time to share your feedback and the opportunity to serve you and your loved ones!
Jaime Payne very professional and…
Jaime Payne very professional and personable. Easy to talk to, very knowledgeable.
Date of experience: February 25, 2025
Reply from Heritage Associates
Thank you for your kind words about Jaime! We’re glad to hear that you had a great experience. Professionalism and knowledge are what we strive for, and we appreciate your feedback. Most importantly, thank you for the opportunity to serve you and your loved ones!
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She did great she answered all my…
She did great she answered all my questions I am so satisfied please give her a promotion or something Thank you
Date of experience: February 20, 2025
Reply from Heritage Associates
Thank you so much for your wonderful feedback! We’re thrilled to hear that you had such a great experience and that all your questions were answered. Jamie truly goes above and beyond, and we’re fortunate to have her on our team! We’ll be sure to pass along your kind words. If you ever need anything else, we’re always here to help!
Verified
Michael Koetting is the best!
Date of experience: January 03, 2025
Reply from Heritage Associates
Thank you so much! We appreciate your kind words! 🤗
Such an easy process to a very important subject (Funeral)
Mrs. Jamie Payne is an absolute gem. The process didn’t feel like someone selling something, it felt like a friend helping a friend make the best decision. Since my sisters passing November 29, 2024, it left so many questions for myself as far as funerals for my husband and I. Jamie made this so easy and fast. I wish I had known about this a long time ago. I’m definitely telling my family and friends. Don’t leave your families to stress over what can be so easy to do yourself.
Date of experience: February 05, 2025
Reply from Heritage Associates
Thank you so much for your kind words and for sharing your experience with Jamie! We are truly sorry for your loss, and we understand how important it is to have peace of mind when planning for the future. Jamie takes great pride in helping families navigate these decisions with care and compassion, and we’re so glad she made the process easy for you. Your recommendation means the world to us, and we appreciate you spreading the word to your loved ones. If you ever need anything, don't hesitate to give us a call.
Michael Koetting was most helpful in…
Michael Koetting was most helpful in all aspects he was very knowledgeable of everything. he was very pleasant to talk with
Date of experience: February 18, 2025
Reply from Heritage Associates
Thank you so much for your kind words! We’re thrilled to hear that Michael was able to assist you and make your experience a positive one. Michael mentioned that he enjoyed his conversation with you as well and appreciated your kindness. If you ever need anything else, don’t hesitate to reach out!
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Verified
Great representative who clearly understood our needs and budget.
Great representative who clearly explained things and most of all, was not pushy nor intimidating. She was very knowledgeable, also.
Date of experience: January 24, 2025
Reply from Heritage Associates
We deeply appreciate your kind words! We’re glad to hear that our representative provided clear explanations and made the process comfortable for you. Offering knowledgeable and pressure-free guidance is always our goal. If you ever have any questions or need assistance, we’re happy to help! Most importantly, thank you for your trust and the opportunity to serve you and your loved ones!
Verified
Reply from Heritage Associates
Thank you so much! We truly appreciate your support and trust in Lydia and Heritage Associates. If there’s ever anything we can do for you or someone you refer, just let us know! 😊
Verified
The young lady was very helpful.
Date of experience: January 03, 2025
Reply from Heritage Associates
Thank you for your kind words! We’re glad to hear that our team member was helpful. If there’s anything else we can assist you with, please don’t hesitate to give us a call! Most importantly, thank you for your trust and the opportunity to serve you and your loved ones!
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