Lincoln National Life Insurance Review

Fort Wayne, IN

(877) 275-5462

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Lincoln Life Insurance Review

Lincoln National Life Insurance Company was established in 1905 out of Fort Wayne Indiana and named after Abraham Lincoln. In the early years, they became one of the worlds largest reinsurer. By 1933 Lincoln had over 1 Billion dollars of life insurance in force. Today they are one of the strongest carriers in the country.

Lincoln National Life Insurance Review
  • Underwriting
  • Service
  • Products
  • Pricing

Summary

Lincoln is five stars all the way around.  You can’t beat this company.  Everything from the products they offer, their customer service, underwriting expertise, technology, and prices. They compete on all levels. Insurance Geek loves Lincon.

Overall
5

Pros

  • Simplified Issue up to $1,000,000
  • Wide Range of Products
  • Offer Employee Benefits

 

Cons

  • Don’t Offer Standard Plus Rate Class

Lincoln National Life Insurance Company offers two-term products. The Term Accel product is a simplified issue policy with the possibility of not having to take an exam for coverage amounts up to $1,000,000 and up to age 60. It helps the applicant skip the hassle of an exam. Especially if you have a clean health history.

Product Types and Names

Product Type Product Name
Term Life TermAccel, LifeElements
Survivorship Variable Universal Life PreservationEdge SVUL
Universal Life Life Current, Life Reserve
Index Universal Life WealthAccumulate IUL
Survivorship Universal Life SUL Protector, Survivorship Index UL
Variable Universal Life Asset Edge, Lincon VUL

Rate Classes

Rate Classes Offered
Preferred Plus
Preferred
Standard
Preferred Tobacco
Standard Tobacco

Riders Offered

OPTIONAL RIDERS
Children’s Term Rider
Waiver Of Premium Rider
Accidental Death Benefit Rider
Accelerated Benefit Rider
Carrier Name A.M. Best Standard & Poor’s Comdex
Lincoln National Life A+ AA- 91

Strong Financial Stability

Lincoln National Life Insurance Company is not only finacially sound but they offer some of the best life insurance products in the industry. We love Lincon and what they represent. You can not go wrong with this carrier.