Pengawasan orangtua kepada anak-anaknya memang menjadi bagian kasih sayang. Terlebih saat mereka masih dalam masa balita dan membutuhkan banyak perhatian. Sebab tingkah anak kecil kerap bertindak berbahaya di luar pengawasan orangtua. Hal itu membuat para ibu semakin tak berani meninggalkan anak-anaknya yang masih kecil di luar pengawasannya.
Seperti halnya kejadian mengejutkan yang dialami oleh seorang ibu bernama Nor Farra Farihan. Melalui akun media sosialnya, Sabtu Farra menceritakan hal mengagetkan yang membuat dirinya lemas dan menangis akibat meninggalkan kedua anaknya yang masih kecil tanpa pengawasannya. Saat dilihat, salah satu anaknya menangis sambil tergeletak di lantai dengan penuh cairan merah berceceran.
Ibu dua anak ini pun mengira dari jauh cairan merah itu darah, karena melihat posisi anaknya ada yang berada di bawah kursi. Namun seketika saat dilihat lebih dekat, rasa khawatir tersebut berubah saat mengetahui bahwa carian merah itu bukanlah darah melainkan cairan sirup merah yang mereka tumpahkan saat bermain.
Sample monthly premiums are for a non-smoker
Funeral Advantage tends to be more expensive if you’ve had a health condition because a very wide range of issues will cause you to pay the higher prices of the modified plan. While every insurer will have higher quotes for applicants with a certain set of conditions, by shopping around you can typically find a few insurers that are more lenient to your situation. However, Lincoln Heritage agents are not independent, so they can’t help you find a better-priced alternative elsewhere.
Lincoln Heritage’s Add-on Policies & Riders
Lincoln Heritage offers several add-ons and riders to provide additional benefits while alive and after you pass, though these will increase your premiums:
Accidental death and dismemberment coverage
Child rider (coverage for your children)
Dental, vision, and pharmacy discount plans
Identity theft protection
Medical bill reduction plans
Healthcare system assistance
Auto expense protection
Lincoln Heritage’s accidental death and dismemberment coverage is one of their most promoted add-ons, and can added to your final expense policy to offer up to $100,000 in additional death benefits. Just note that this amount would only be paid if you die from an accident (about 5% of deaths in the United States). Coverage is purchased on a per-unit basis, you can only purchase up to 5 units, and costs less than $15 per month (for 5 units of coverage). Lincoln Heritage’s accidental death policy offers several payouts, depending on what happens to you:
Coverage 1 Unit 5 Units
Accidental death (general) $5,000 $25,000
Accidental death (auto accident) $10,000 $50,000
Accidental Death (on other transportation, such as subway or airplane) $20,000 $100,000
Accidental death (war or terrorism) $20,000 $100,000
Loss of 1 limb $2,500 $12,500
Loss of multiple limbs $5,000 $25,000
Death >200 miles from home (transport of remains) Up to $1,000 Up to $5,000
Restrictions of Funeral Advantage
Only a few conditions would cause you to not qualify for Funeral Advantage. These include testing positive for HIV, being diagnosed with AIDS, being diagnosed with a terminal illness, being incarcerated, being hospitalized, or receiving hospice care.
Lincoln Heritage insurance is only sold through captive agents, meaning these representatives don’t offer life insurance from any competitors and won’t be able to help you compare rates or features from multiple insurers.
While the Funeral Advantage program is available in every state besides New York, you won’t be able to name a funeral home as your beneficiary if you live in any of the following states:
Florida
Michigan
Maryland
Montana
New Jersey
South Dakota
Tennessee
Texas
West Virginia
If you have relatives or people that you’re close to that you would trust to handle your funeral, we generally recommend that you name them as your beneficiary instead of a funeral home. While it can put stress on a loved one to try to handle burial planning and the associated costs during an emotional time, they’ll be able to keep whatever remains of the payout if the total costs are less than your death benefit.
Lincoln Heritage Funeral Advantage Customer Reviews & Complaints