Ratings
Overall Rating
AM Best Financial Strength Ratings
November 08, 2020
November 08, 2020
HOW WE WEIGH OUR SCORE
Price50%
Customer service40%
Website and app5%
Recommend5%
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.
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Customer Complaint Ratio
Individual Life
Group Life
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
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?
Our survey asked policyholders to share experiences or give feedback that they would like to share with others looking to potentially buy from their current insurance company. Here's what they had to say:
"Not good."
-Age 18, South Carolina
"I had an amazing experience with them overall go check it out"
-Age 19, Illinois
"It's okay middle of the road prices."
-Age 20, Florida
"It has the best life insurance policy."
-Age 20, Mississippi
"They are satisfactory."
-Age 22, Louisiana
"Application seems long but policy seems good."
-Age 24, Florida
"Pero si me puede llevar el tema del d¡a a mi hijo que me cuesta mucho no me cuesta nada de"
-Age 27, Nevada
"I have really good experience"
-Age 28, Ohio
"I would tell them that they are a good insurance place they have really nice people and they make sure you good. I love my insurance company and my personal person I talk to she is very nice and make sure that my pay for everything and keep it up."
-Age 29, Illinois
"Good for me and my family."
-Age 29, Massachusetts
"It has been a good experience"
-Age 30, Arizona
"I'd recommend switching over to my insurance company after evaluating his/her insurance company where they presently have policy."
-Age 30, Massachusetts
"There are very good at keeping in touch whether it be snail mail or e-mail if that is what you want. It keeps you up to date."
-Age 30, New Jersey
"They the best price for longterm life insurance"
-Age 31, Missouri
"Get more details upfront"
-Age 34, Minnesota
"I would tell them they offer quality service as well as affordable price"
-Age 35, Ohio
"The decisions is your, but do your research to make sure you are getting what you want."
-Age 36, Alabama
"It's easy to get a policy with Lincoln."
-Age 38, California
"It was easy. No exam. Cost is good"
-Age 38, Michigan
"It's been painless and easy going."
-Age 38, Ohio
"Good service"
-Age 38, Tennessee
"I feel I am able to speak to someone specifically and also get all my questions answered."
-Age 38, Texas
"Good company for life insurance needs."
-Age 39, Indiana
"Great terms at great rates"
-Age 40, Arizona
"The only real interaction I have had with the company providing my life insurance is at the date of purchase so I don't have a lot information to provide to someone who would ask my opinion"
-Age 40, California
"It was considering switching to my insurance company, what would me tell them about."
-Age 40, Ohio
"Okay, it's worth trying"
-Age 41, California
"Avoid Lincoln, they have never given a lick of help, even when requested. The bills just keep coming though"
-Age 42, North Carolina
"It has been a set it and forget it experience. I ordered the policy and the payment comes out automatically and I haven't touched it since."
-Age 43, Tennessee
"Good company but lack of better technology for customers"
-Age 44, California
"Okay, think for yourself what you need then shop with them."
-Age 45, California
"I don't know what is going on with my life insurance policy so can't recommend."
-Age 45, Maryland
"Research before you buy."
-Age 45, North Carolina
"Should have good coverage"
-Age 46, Pennsylvania
"The price is great, offers great coverages. I wish they had a better and more modern website and app."
-Age 47, Illinois
"It's was extremely easy to apply. They come to your house and gather all the information needed and you're given all the information to make the heat choice."
-Age 47, New Jersey
"Easy to get insurance and coverage."
-Age 48, North Carolina
"Go with this insurer, they are good!"
-Age 48, North Carolina
"Good enough for my family and me."
-Age 49, Ohio
"Always choose what works best for your situation."
-Age 49, Washington
"They have great policies and customer service"
-Age 50, Kansas
"Easy to use, trust and communication is easily available."
-Age 50, Virginia
"Haven't had to use so hard to determine"
-Age 51, New Mexico
"I signed up for life insurance in 2012. I pay my premium every month. I have never heard a single word form my insurance company since the day I bought my policy...not even a single piece of mail."
-Age 51, South Carolina
"I'd suggest looking elsewhere and further. It's been a difficult relationship with unclear information and documents."
-Age 53, Mississippi
"They did not judge me based on my pre-exhisting condition"
-Age 53, Ohio
"They work with your when purchasing a policy"
-Age 54, North Dakota
"I would tell them to check out my insurance company and give them the website"
-Age 55, Missouri
"My insurance company gives you a grace period"
-Age 56, Georgia
"Good people, good service"
-Age 56, Massachusetts
"The customer service was super friendly and very informative explained everything in very detailed wait for me"
-Age 56, Pennsylvania
"Friendly and helpful People with them are really good at explaining your insurance."
-Age 57, Florida
"I've never had to time a claim, so my interaction has been minimal. But the policy has remained in effect the entire term."
-Age 57, Texas
"I have had them for years and am happy."
-Age 58, California
"It is a inexpensive but great coverage and great service from employees"
-Age 60, Missouri
"This company is great. So easy to buy."
-Age 60, South Carolina
"Not good."
-Age 61, Arkansas
"My Insurance agent is like family. He consistently stays in contact with me to make sure my policies are the best for my wife and I."
-Age 62, North Carolina
"Good policies easy to deal with"
-Age 63, Massachusetts
"They are a great company and I have also had great service from them. They are very friendly and helpful"
-Age 63, Oklahoma
"They bill you but otherwise don't communicate at all"
-Age 64, New York
"Great company that you can trust"
-Age 64, North Carolina
"Good company."
-Age 65, Colorado
"They're easy to get ahold of when you have questions. They have excellent service."
-Age 67, Ohio
"That they couldn't go wrong with my insurance company. They treat you as a person instead of just a $ sign. They have several ways of paying for their insurance. I choose a bank draft so it will never get forgotten to make a payment."
-Age 67, South Carolina
"Good company."
-Age 67, Tennessee
"Good provider of life insurance."
-Age 68, Florida
"Good services"
-Age 68, Michigan
"Reputation is stellar."
-Age 69, Indiana
"Terrible customer service. get confusing and contradictory answers. They screw up the billing all the time and don't want to admit it when they make a mistake."
-Age 72, New York
"They work with you so you get both the best prices and coverage."
-Age 72, North Carolina
"Find a local agent so you can get your questions answered."
-Age 73, Arizona
"The company has a good reputation and has policies including long term care insurance"
-Age 73, Minnesota
"The younger you are, the better the price."
-Age 73, Oregon
"My feelings are good until I reach 80 then the price raisies to something that no one could afford. So have a few more years of giving them my money. Then I will no longer be insured."
-Age 74, California
"I've been with my company for over ten years, I've gotten great service from them and I don't feel that they will ever go out of business. The benefits where just what I was looking for in insurance and it was recommended by a relative. They are the premiums were just what I could afford with my budget. This was another reason I chose them."
-Age 74, Georgia
"Good."
-Age 75, New York
"Positive experience"
-Age 76, Missouri
"Not much because my original policy has been resold several times"
-Age 76, Wisconsin
"They are helpful if you have questions."
-Age 78, Ohio
"I am happy with my policy."
-Age 80, Texas
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