Why do Business with IHLIC


I appreciate your interest in Investors Heritage Life Insurance Company. As a leader in this market since 1988, we are confident that the combination of our top-notch reputation, excellent products and outstanding customer service will meet your needs.

Investors Heritage Life is based in Frankfort, Kentucky and was founded in 1960 by my father Harry Lee Waterfield. For 50 years, we have provided quality life insurance products and maintained financial strength for the benefit of our insureds, stockholders, agents and employees, while never compromising the principles that made us strong.

We are a family operated business and value the personal relationships that we are able to develop with our employees and the funeral professionals we serve. Family, loyalty and service were important to us in 1960 and these are the principles that still guide the company today.

We developed our first preneed product in 1989 and we’ve never left the market. Our current Legacy Gold Preneed program includes: a guaranteed single premium or multi-pay product; a simplified issue multi-pay product: and a guaranteed issue annuity. Additional flexibility is provided by our Down Payment and Additional Insurance Riders. An Early Pay-Off option is also available. We offer competitive commissions, paid on the policy face amount. We provide lifetime coverage, guaranteed premiums, inflation protection, and a tax-free death benefit.

Additionally, we feel that our customer service and technological capabilities are second to none. This translates into quick answers and quick payment. Commissions are paid either weekly or monthly and deposited directly to your bank account. Our claims process is simple and efficient.

Several state guaranty associations have recognized our financial stability and preneed expertise by awarding us contracts to assume business from insolvent companies. In April 2000 we assumed $47.5 million in assets of the covered obligations of the Franklin American Life Insurance Company. We recently completed two assumptions of preneed obligations of the Texas Memorial Life Insurance Company (August 2010) and the Memorial Service Life Insurance Company (July 2011) totaling approximately 53,000 policies and $100 million in assets.

I invite you to become a part of the Investors Heritage Life family.