Incorporated November 30, 1994

                                                      Vaughn & Sharen Hill

                                    V & S Insurance Agency of Columbus Inc.
                                                         P.O. Box 5513
                                                  Columbus, GA. 31906

                                 Office:  706-341-3161 or   Cell  706-577-4133


                          Announcing the Lincoln Heritage Life Insurance Company Plan 
                               Partnering with the Funeral Consumer Guardian Society

 
                                               No Medical Exam or Test
                     Coverage is based on the answers to questions on the application
                                           Everyone 0 To 85 may apply
                                           Up To $20,000 of Protection 

            Rates and benefit are locked in for the life of the policy as long as premiums    
            payments are made.  

                                           Premiums to fit most budgets

                        Most people get coverage even with some health issues


                                 GOOD at funeral homes EVERYWHERE
                                             Benefits Are Paid In Cash
                         $100,000 additional benefit for accidental death available


            The amount you select can be used to help cover Funeral Expenses and other
            unexpected expenses.           
     

  You can get a free membership in the Funeral Consumer Guardian Society with your   final expense life insurance policy from Lincoln Heritage. 


                        Contact us for a Funeral Advantage rate quote - no obligation.