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Lincoln National Life Insurance Co. Life Insurance Ratings

Customer Satisfaction Ratings (based on 100 survey results)
Customer ServiceValue for PriceWebsite and Apps% Who Would Recommend to a FriendA.M. Best
Effective as of:

A.M. Best's Financial Strength Rating is an independent opinion of an insurer's financial strength and ability to meet its ongoing insurance policy and contract obligations.

A.M. Best's rating is NOT used to calculate the overall score but it is important information to consider when choosing an insurance company.

out of 100
October 31, 2019
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Reasons for Buying from Lincoln National Life Insurance Co.

Customers of Lincoln National Life Insurance Co. originally decided to purchase from the company for these reasons:
Recommended by friend or family member22%
Offered best price21%
Saw online ad13%
Financial Strength rating7%
I had other insurance with this company3%
Saw TV commercial3%
Was the company my parents had3%
The company website and mobile apps are easy to use and helpful2%

How likely are you to recommend this company to a friend, coworker or family member?

I probably would recommend this company. 39%
I would definitely recommend this company. 39%
Neutral 19%
I probably would not recommend this company. 2%
I would not recommend this company. 1%

What kind of insurance do you have?

Permanent, including whole life 45%
Term 45%
Both 8%
Other 2%

How much do you pay annually for your life insurance policy

$1,000 - $1,249
Less than $250
$250 - $499
$1,500 - $1,749
$2,000 - $2,249
$1,250 - $1,499
$2,250 - $2,499

Website and Apps

How easy to use and how helpful they are
51%Satisfied - Fulfills my needs okay
23%Completely satisfied - Gives me what I want and more
14%Never visited or used website or mobile app
12%Neutral - No good or bad feelings on this
0%Not Satisfied - Is not a good website or app
0%Very unsatisfied - Their digital offerings are not good at all or nonexistent

How You Prefer to Deal with Insurers

21%In person
19%Interactive website
12%Mobile App
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About Lincoln National

Life insurance policies offered

  • Term life
  • Universal life
  • Variable Universal life

Best Life Insurance Companies 2020: How Lincoln National Life Insurance Stacks Up

In the 2020 Best Life Insurance Companies survey, Lincoln National Life with an overall score of 82.76. Lincoln National’s best showing was 9th place in ease of use for company website and apps. It placed 14th for value for price and tied for 12th for customer service.Many of those surveyed, 78%, said they would recommend Lincoln National

Gauging an insurance company

Before buying with a company it is wise to check on a company's financial strength and complaint record. The A.M. Best rating listed above gives you an idea of Lincoln National's financial strength to pay claims. A complaint ratio can be found on the National Association of Insurance Commissioners (NAIC) site. The median complaint ratio from the NAIC is always 1.00. This means half of the insurers have a complaint ratio of under 1.00 and half have a ratio above. Basically, numbers lower than 1.00 are better with fewer complaints than the median and a number higher than 1.00 has more complaints than the median. For life insurance, Lincoln National (NAIC# 65676) had a complaint ratio of 0.07 for individual life and 0.24 for group life for 2018. 2019 complaint numbers will be available in 2020.

Company Background


Not just the Lincoln name, but also the ideals

In 1905, Abraham Lincoln’s son, Robert Todd Lincoln granted a newly-formed insurance company the permission to use his father’s name and likeness. Over a century later, Lincoln Financial Group is a diversified financial services organization headquartered in the Philadelphia region. With $171 billion in assets under management as of March 31, 2009, Lincoln Financial Group serves the financial needs of more than 17 million Americans. The company strives to honor the legacy and ideals of President Lincoln helping customers build secure futures.

Contact information

Corporate headquarters

Lincoln National Corporation
150 North Radnor-Chester Road.
Radnor, PA 19087
Customer service: 877-275-5462

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