Lincoln heritage took advantage of me and my fiance(dead now)..tricked us in person about a dumb policy that had us believing we would be coverd if he passed within the first year.turns out it was after the year. He passed 4months later after being tricked into signing and its wrong.for he was disabled and could not read or write well and i was uneducated.i was left with nothing. Unable to pay for bills i lost my home .if all wasnt enough it got worse.i hate that company they took advantage of us especially knowing we needed a emergency plan because my fiance was sick and unfourtnetly didnt make it too much after.