So not true! First off, with most insurance companies you have to get leads from somewhere, and you end up spending as much or more with companies other than LH (been there, done that). Also, Lincoln Heritage has been around since 1963, so I seriously doubt they're going anywhere! AND, they do not sell to people who have a lot of money because those people do not probably need the help. They sell to those of us seniors who do not want to leave final expense costs to our loved ones, so the policies are VERY inexpensive - like maybe 20 or 30 a month And as far as selling to families with kids - yes, term is good for that, with a little whole life. LH does not sell term! Get the facts straight people!