Ratings

Life best-life-company-ratings
Overall Rating info icon info icon
3.0 ratings
Customer Service
3.5 ratings
Value for Price
3.0 ratings
Website and Apps
3.5 ratings
% Who Would Recommend to a Friend
70%
AM Best Financial Strength Ratings info-icon info-icon May 01, 2021
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
( Lincoln National Life Insurance Co.’s customer complaint ratio for Individual Life insurance is 0.27 )
( Lincoln National Life Insurance Co.’s customer complaint ratio for Group Life insurance is 1.38 )
0.27
0 1 3 10+
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?

States in which Lincoln National Life Insurance Co. life insurance available
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
Washington D.C.

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