Ratings

Life best-life-company-ratings
Overall Rating info icon info icon
Customer Service
Value for Price
Website and Apps
% Who Would Recommend to a Friend
70%
AM Best Financial Strength Ratings info-icon info-icon November 08, 2020
A+
HOW WE WEIGH OUR SCORE
WHAT IS THIS RATING?

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.

Reasons for Buying

Customers of Lincoln National Life Insurance Co. originally decided to purchase from the company for these reasons:
20%
Recommended by friend or family member
17%
Offered best price
12%
Reputation
8%
I had other insurance with this company
7%
Saw TV commercial
7%
Was the company my parents had
5%
Financial strength rating
5%
The company website and mobile apps are easy to use and helpful
3%
Saw online ad

What kind of life insurance do you have?

Permanent, including whole life
Term
Both
Other

How much do you pay annually for your life insurance policy (per person if have more than one life policy in your household)

Less than $250
24%
$250 - $499
17%
$500 - $749
13%
$750 - $999
12%
$2,000 - $2,249
8%
$1,000 - $1,249
6%
$3,000 - $3,249
4%
$1,250 - $1,499
3%
$1,750 - $1,999
3%
$1,500 - $1,749
2%
$2,500 - $2,749
2%
$3,250 - $3,499
2%
$4,000 or more
2%
$2,750 - $2,999
1%
$3,500 - $3,999
1%
life
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Customer Complaint Ratio

info icon
Individual Life
0.27
0 1 3 10+
Group Life
1.38
0 1 3 10+
Lower number is better
0 to 1.00
1.01 to 3.00
3.01 and above

Best life insurance companies 2021: The Lincoln National Life Insurance Company

Taking care of you and your loved ones for over 115 years.

How The Lincoln National Life Insurance Company life insurance stacks up

Lincoln National Life Insurance Company earned a 3 out of 5-star overall rating in our annual review of Best Life Insurance Companies. They earned 3 and 3.5 out of 5-star ratings across the board in price, customer service and website & apps.

When we asked Lincoln National Life Insurance Company customers if they would recommend the company to others, 70% said yes.

How likely to recommend?

39%
I would probably recommend this company
31%
I would definitely recommend this company
21%
Neutral
6%
I would probably not recommend this company
3%
I would not recommend this company

Ratings on Website & Apps

Completely satisfied / Outstanding website & apps that give me what I need and more
32%
Average website and apps
28%
Fairly satisfied / Fulfills my needs OK
27%
Very unsatisfied / digital offering is severely lacking
5%
Unsatisfied / website and/or apps are not fulfilling my needs
5%

How do you prefer to deal with insurer and policy?

Phone
40%
In person
22%
Interactive website
19%
Email
15%
Mobile App
4%

The Lincoln National Life Insurance Company life insurance coverages

  • Term life insurance
  • Universal life insurance
  • Indexed universal life insurance
  • Variable universal life insurance
  • Hybrid long-term care/life insurance

About The Lincoln National Life Insurance Company

The Lincoln National Life Insurance Company was founded in 1905 in Fort Wayne, Indiana, when the company was granted permission from Abraham Lincoln’s son, Robert Todd Lincoln, to use his father’s name and likeness.

The company continued to grow over the next several decades, surpassing $100 billion of life insurance in force in 1983. In 1987, the company introduced MoneyGuard, an innovative product that combines a universal life insurance policy with a long-term care benefit rider. This was the first popular hybrid life insurance/long-term care policy, which pays out if you need care in a nursing home, assisted living or your own home or pays your heirs a death benefit if you don’t use up the benefit for long-term care.

In 2006, the company merged with Jefferson Pilot, another large financial service company. The Lincoln National Life Insurance Company is an affiliate of the Lincoln Financial Group, which focuses primarily on life insurance, annuities, group benefits and retirement plans, and is headquartered outside of Philadelphia.

Contact The Lincoln National Life Insurance Company

Corporate Headquarters

Lincoln National Corporation

150 North Radnor-Chester Road.

Radnor, PA 19087

Customer service: 877-275-5462

In which states is Lincoln National Life Insurance Co. life insurance available?

AL AK AZ AR CA CO CT DC DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY

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