Michael Koetting was very helpful, acknowledgeable, and went above expectations to make sure that I was satisfied with the outcome. I really appreciate customer service like that. Michael keep doing w... See more
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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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I received my packet a lot sooner than expected however the two questionnaire pages were in Spanish. I understand and read Spanish but my children do not. I called and was told another packet would be... See more
Company replied
Since taking on my new policy, I feel tremendously more "looked after", so to speak, and a great deal less anxed about my children having to deal with my final arrangements! This is such a weight off... See more
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Company details
- #9 of 24 best companies in Life Insurance Agency
- #3 of 4 best companies in Cremation Service
- #2 of 4 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
4.8
Excellent
212 reviews
Replied to 100% of negative reviews
Typically replies within 24 hours
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Jamie is great with helping me with a…
Jamie is great with helping me with a great cover for me.
May 18, 2026
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Michael Koetting goes above and beyond
Michael Koetting was very helpful, acknowledgeable, and went above expectations to make sure that I was satisfied with the outcome. I really appreciate customer service like that. Michael keep doing what you do…. You are the type of person that really makes a difference in this cruel world. Thank you
May 12, 2026
Unprompted review
What made it great was getting the life…
What made it great was getting the life insurance that I was not able to get all these years. I just want to thank Robin Akin for all of her help with getting the policy started. Robin was professional and had lots of patience.
-David Scott-
February 9, 2026
Unprompted review
Reply from Heritage Associates
We know how meaningful it is to finally get the life insurance coverage you’ve been looking for, and we’re truly glad we could help make that happen. Robin will be so encouraged to hear your kind words—her professionalism and patience are exactly what we strive to provide for every family we serve. If you ever need anything moving forward, don't hesitate to reach out!
The dedication to customer
I'm appreciative of, the assistance of everyone involved in being reinstated in a policy I had to cancel. Robin Akin has always followed up with me during the entire process.
Sylvia Carter
March 23, 2026
Unprompted review
Reply from Heritage Associates
Thank you so much for your kind words—we truly appreciate you sharing your experience.
We’re so glad we could help with reinstating your coverage, and Robin will be especially grateful for your recognition. Her consistent follow-up and care mean a lot to our team.
We also appreciate your trust and the opportunity to continue serving you and your family!
Robin was an AWESOME person to deal…
Robin was an AWESOME person to deal with. Very professional and friendly
March 2, 2026
Reply from Heritage Associates
Thank you so much for your kind words!
We’re thrilled to hear that your experience with Robin was such a positive one. Providing clear, professional, and friendly guidance is exactly what we strive for—especially when helping with something as important as final expense planning!
We’ll be sure to pass along your praise to Robin. It truly means a lot to our team.
If you ever need anything moving forward, please don’t hesitate to reach out—we’re always here for you and your loved ones.
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Michael Koettings great customer…
Michael Koettings great customer service. He addressed all my concerns,in a speed manner.
March 3, 2026
Reply from Heritage Associates
Thank you so much for your kind words—we truly appreciate you sharing your experience!
It’s wonderful to hear that Michael was able to address all of your concerns quickly and provide the level of service you deserve. We take great pride in being responsive and making sure every question is answered with care and clarity.
We’re grateful for the opportunity to assist you, and please know we’re always here if you need anything in the future!
Michael
Michael, the Agent was very helpful because he's knowleagible and knew what he was doing; therefore, with his help, I was able to purchase a Final Expense Policy Coverage for my mother!
February 4, 2026
Reply from Heritage Associates
Thank you so much for your kind words—we truly appreciate you taking the time to share your experience.
It means a lot to hear that Michael was able to guide you with clarity and confidence during such an important decision. We understand that planning coverage for a loved one, especially a parent, can feel overwhelming, and we’re so glad he could make the process smooth and reassuring for you.
Helping families secure peace of mind is at the heart of what we do, and we’re honored to have been part of this step for you and your mother.
If you ever have any questions or need anything in the future, please don’t hesitate to reach out—we’re always here for you.
They listen
I think one of the most important things is they actually seem to listen to your concern go over everything with you take the time to make sure the plan fits your needs and that doesn't happen much I started out with one awesome agent and now I have Robin and she's pretty cool I can't complain I've had three agents one for quite a while one that was a supervisor that filled in and then found me Robin so I really think they take my needs into consideration
December 25, 2025
Reply from Heritage Associates
Thank you so much for sharing this thoughtful review — it truly means a lot to us. We know how important it is to feel heard, especially when you’re making decisions around something as personal and meaningful as final expense planning.
We’re so glad to hear that your experience has consistently reflected that care and attention, and that each agent you’ve worked with has taken the time to understand your needs and make sure the plan truly fits you. Robin will be especially grateful to hear your kind words — she’s known for being patient, personable, and genuinely committed to the people she helps.
It also says a lot that you noticed the continuity and support as you worked with different team members along the way. That level of follow-through and consideration is something we work very hard to provide.
Please know we’re always here for you, and we truly appreciate the trust you’ve placed in us. If you ever have questions or need anything in the future, don’t hesitate to reach out — we’re honored to be part of your planning and support system.
Smooth checkout and reliable…
Smooth checkout and reliable performance! Customer service support is appreciated and contributes to the impressive health results. This is a proven product with clear benefits—backed by quality conditioning and strong customer care.
December 8, 2025
Unprompted review
Reply from Heritage Associates
Thank you so much for your kind feedback!
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Heritage Associates provides…
Heritage Associates provides professional and reliable services with a personal touch. The teams was attentive knowledgeable, and easy to communicate with throughout. It's a solid choice for anyone seeking expertise and dependable support.
January 3, 2026
Unprompted review
Reply from Heritage Associates
Thank you so much for your kind feedback!
Effective and efficient.very polite
December 2, 2025
Unprompted review
Reply from Heritage Associates
Thank you so much for your kind words! We’re truly glad to hear that you found our service effective, efficient, and polite. Supporting families with clarity and respect is at the heart of everything we do, and it means a lot to know that this came through in your experience.
If you ever need anything or have questions down the road, we’re always here to help you and your loved ones.
Needed piece of mind that when I die my…
Needed piece of mind that when I die my kids won't be worried about how to get me cremated and my death certificate and how to pay for it.
November 11, 2025
Reply from Heritage Associates
Thank you so much for sharing this. Planning ahead takes courage and care, and your desire to spare your children any stress or worry truly speaks to the love you have for them. We’re grateful you chose us to help bring that peace of mind.
If you ever need anything or have questions along the way, our team is always here to support you and your family. Thank you again for your trust and the opportunity to serve you and your loved ones!
Robin is awesomeness
Robin is awesomeness. She has called and texted me many times to check to see if my policies had arrived. They were a little slow getting my papers to me but thank goodness I didn't need them. 😅 Robin is an asset. She is a keeper.
Thanks for your hard work.
I hope she gets to see this so she knows her hard work is noticed by customers.
Be blessed, keep rocking Girl.
November 13, 2025
Unprompted review
Reply from Heritage Associates
Thank you so much for sharing your experience with us. We’re truly grateful for your kind words about Robin. She is a dedicated member of our team, and it’s wonderful to hear that her consistent communication and follow-through made a positive difference for you. We will be sure to share your message with her so she knows her hard work is appreciated.
We’re glad your policies arrived safely, and we appreciate your patience with the processing time. If you ever need assistance or have questions in the future, please know we’re always here to support you.
Thank you again for taking the time to leave this thoughtful review. We appreciate your trust and the opportunity to serve you and your family!
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Hunter the agent never gave up while I…
Hunter the agent never gave up while I was caring for my roommate who has cancer,. I greatly appreciated that because I didn’t want my son to go thru what I went through when my mother died and I had to come up with five grand to cremate her per her last wishes. I already have my iron picked out yHank you hunter you are a rockstar in my book❤️
October 15, 2025
Reply from Heritage Associates
Thank you for taking the time to share your experience! We’re glad Hunter was able to stay in touch and support you through the process. Your preparation will make things much easier for your family, and we appreciate the trust you placed in us to help you take that step!
That you are safe and taken care of
Robin Akins was very helpful. I needed copies of the value of my insurance for medicaid. She sent them to my e mail. We talked about my burial insurance and what it all means. What the representative does when I pass for my family. I added more insurance. And aciddental. I just feel more satisfied and at ease now. Thank you Robin.
September 19, 2025
Reply from Heritage Associates
Thank you so much for sharing your thoughtful words! We’re truly glad to hear that Robin was able to assist you so thoroughly and bring you peace of mind. It means a lot to know you feel safe, cared for, and confident in your coverage. Robin takes great pride in helping families understand exactly how their plans protect them and their loved ones, and we’ll be sure to share your appreciation with her.
Everyone has been very helpful and…
Everyone has been very helpful and extremely nice. I would recommend them to everyone.
October 16, 2025
Unprompted review
Reply from Heritage Associates
Thank you so much for your kind words! We’re truly grateful for your recommendation and so glad to hear that our team has been helpful and kind throughout your experience. Supporting families with compassion and clarity is at the heart of everything we do, and it’s wonderful to know that came through.
Agent was helpful and great attitude
Agent was helpful and great attitude. Very professional
October 13, 2025
Reply from Heritage Associates
Thank you so much for sharing your kind words! We’re thrilled to hear your agent provided helpful guidance with a great attitude and professionalism. Our team takes pride in making this process clear and comfortable, and it’s wonderful to know that came through. We’re always here if you or your loved ones ever need assistance in the future!
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Reply from Heritage Associates
Thank you for your kind words and support!
Thank for help good
October 6, 2025
Reply from Heritage Associates
Thank you so much for your kind words! We’re so glad to know you had a positive experience with our team. Helping families find the right coverage and peace of mind is what we’re all about. Please don’t hesitate to reach out if you ever need anything — we are here to help!
We needed final expense ins.for me…
We needed final expense ins.for me husband and dont understand it much,lol! Robin Akin explained things to me so patiently! Such a sweet lady! Got my younger brother to sign up also with Robin! Thanku!
September 4, 2025
Reply from Heritage Associates
Thank you so much for sharing this, and for trusting Robin to help your family! We’re so glad she was able to make everything clear and comfortable for you — final expense insurance can be confusing at first, but our hope is always to bring clarity and peace of mind. We’re honored you also recommended your brother, and we’ll be here whenever you or your loved ones need us!
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