Honor Their Legacy.
We Handle
the Cash Flow.
Heritage Assignment Funding advances immediate payment to funeral homes on life insurance assignments — so you can focus on the families you serve, not on waiting 30 to 60 days for the insurance company.
Three Steps to Immediate Cash Flow
We've built the simplest assignment funding process in the industry. From submission to payment, everything is designed around your workflow — not ours.
Submit the Assignment
Complete our secure online enrollment. When a family presents a life insurance policy, submit the assignment details through your dedicated portal. We accept all major carriers.
We Verify the Policy
Our team contacts the insurance carrier directly to confirm policy status, beneficiary identity, and that the policy is outside its contestability period. We do the work — you don't have to.
You Receive Payment
Once verified, funds are wired directly to your funeral home's account. The insurance company then pays Heritage directly when the claim is processed. No waiting. No chasing.
Built for the Funeral Profession
We understand that your business operates at the intersection of financial precision and human compassion. Everything we do is designed to support that.
No Recourse Against the Family
Once we fund the assignment, the family's obligation is complete. We collect directly from the insurance carrier. Your relationship with the family remains intact.
Transparent, Fixed Fee Structure
Our fee is a straightforward percentage of the assignment amount — disclosed upfront, with no hidden charges, wire fees, or monthly minimums. You know exactly what you'll net.
All Major Carriers Accepted
We work with MetLife, Prudential, Mutual of Omaha, New York Life, Lincoln National, and hundreds of other carriers. If the policy is valid, we can fund it.
Contestable Policies Handled
We have experience navigating contestable claims and pending death certificates. Where others decline, we work with you to find a path forward.
Dedicated Account Manager
You'll have a named contact who knows your funeral home, understands your volume, and is reachable by phone. Not a ticket system. Not a chatbot.
Secure, HIPAA-Aware Handling
All assignment documents and family information are transmitted and stored using bank-grade encryption. We treat sensitive information with the same care you do.
Trusted by Independent Funeral Homes
"We were waiting 45 days on average for insurance payouts. Heritage changed that overnight. Now we have the cash flow to serve families without the financial stress."
"The process is genuinely simple. I submit the assignment details, they verify it, and the money is in our account the next morning. I wish we'd found them years ago."
"What I appreciate most is the transparency. The fee is stated upfront, there are no surprises, and my account manager actually picks up the phone."
No new software. No new workflow.
Heritage works alongside whatever case management system you already use — Passare, SRS, FDMS, Tribute, or a spreadsheet. Our process is built around your operations, not the other way around.
The process in three steps
Email or upload the signed insurance assignment form and a copy of the policy. No special software or portal required.
Heritage contacts the insurance company directly to confirm policy status, beneficiary designation, and contestability. You don't have to chase anyone.
Once verified, we wire the advance directly to your funeral home's account. The carrier pays us back when the claim settles.
Works with your existing tools
Heritage is designed to complement the case management software your team already knows. There is nothing to install and no data migration required.
Build assignment funding into your platform.
If you serve funeral homes through software, a buying group, or a state association, we want to talk. We offer white-label programs, revenue sharing arrangements, and co-branded materials — designed to add genuine value for your members without disrupting your existing relationships.
Frequently Asked Questions
Start Receiving Same-Day Funding on Insurance Assignments
Enrollment takes less than 15 minutes. Once approved, you can begin submitting assignments immediately. There are no setup fees, no minimum volumes, and no long-term contracts.
Funeral Home Enrollment
Complete the form below and a Heritage account manager will contact you within one business day.
Get in Touch
Whether you have questions about the enrollment process, want to discuss a specific assignment, or are interested in a software partnership, we're here to help.