The Lincoln National Life Insurance Company Review (2024)

Unleash over a century of expertise, The Lincoln National Life Insurance Company, providing a diverse range of products and competitive discounts for steadfast coverage and financial security.

UPDATED: Jun 14, 2024 Fact Checked

Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec.

Written by Laura D. Adams

Insurance & Finance Analyst

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura.

Reviewed by Daniel Walker

Licensed Insurance Agent

UPDATED: Jun 14, 2024

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Jun 14, 2024

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

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UPDATED: Jun 14, 2024 Fact Checked no image available

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The Lincoln National Life Insurance Company

Average monthly rate for healthy individuals:

Pros

Cons

The article explores The Lincoln National Life Insurance Company and its comprehensive range of insurance and financial products. With a rich history dating back to 1905, Lincoln National stands as a trusted provider in the industry, offering various types of life insurance, retirement plans, and annuities.

The company’s commitment to financial strength and positive customer reviews underscores its reliability. Moreover, Lincoln National extends valuable discounts to policyholders, making coverage more affordable while ensuring the financial security of policyholders and their loved ones.

Table of Contents

What You Should Know About The Lincoln National Life Insurance Company

Rates: The Lincoln National Life Insurance Company earns its rating through competitive and transparent pricing. Rates are meticulously calculated to align with individual profiles, ensuring fair and customized premiums.

Discounts: The Lincoln National Life Insurance Company stands out by offering a variety of discounts tailored to meet the diverse needs of policyholders. These discounts contribute to overall affordability and customer satisfaction.

Complaints/Customer Satisfaction: Lincoln National’s commitment to customer satisfaction is reflected in positive reviews and a proactive approach to addressing concerns. A low complaint ratio contributes to its high rating in this category.

Claims Handling: The Lincoln National Life Insurance Company excels in claims handling with a user-friendly process, multiple claim filing options, and a commitment to prompt resolutions. Positive customer feedback reinforces its high rating in this crucial aspect of insurance services.

Read More: Top Life Insurance Providers

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The Lincoln National Life Insurance Company Insurance Coverage Options

At Lincoln National, they understand that one size does not fit all when it comes to insurance. That’s why they offer a diverse range of coverage options tailored to meet various needs and circumstances. Here are some of the key coverage options provided by The Lincoln National Life Insurance Company:

Life Insurance:

Term Life Insurance:

Universal Life Insurance:

Retirement Plans:

Annuities:

With these comprehensive coverage options, The Lincoln National Life Insurance Company ensures that you have the flexibility to choose the insurance and financial solutions that align with your unique goals and circumstances.

The Lincoln National Life Insurance Company Insurance Rates Breakdown

Driver ProfileThe Lincoln NationalNational Average
Clean Record$133$119
1+ Ticket$179$147
1+ Accident$238$173
DUI$333$209
Poor Credit$229$205

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver

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The Lincoln National Life Insurance Company Discounts Available

DiscountsThe Lincoln National
Anti Theft12%
Good Student18%
Low Mileage14%
Paperless10%
Safe Driver18%
Senior Driver11%
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Lincoln National understands the importance of making insurance more affordable for their policyholders. They offer a range of discounts to help you save on your insurance premiums. These discounts include:

At The Lincoln National Life Insurance Company, they understand the importance of affordable insurance coverage. That’s why they offer a variety of discounts tailored to your needs and circumstances.

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How The Lincoln National Life Insurance Company Ranks Among Providers

The Lincoln National Life Insurance Company faces competition from several prominent insurers in the life insurance and financial services industry. Some of its main competitors include:

These competitors, like Lincoln National, strive to provide diverse insurance and financial solutions to meet the unique needs of their customers. The competition in this industry encourages innovation and customer-centric approaches, ultimately benefiting consumers by offering a range of choices and options.

Claims Process at the Lincoln National Life Insurance Company

Ease of Filing a Claim

The Lincoln National Life Insurance Company is committed to providing policyholders with a seamless and convenient claims process. Policyholders can choose from multiple channels to file a claim, including online submissions, phone assistance, and mobile apps. This flexibility ensures that policyholders can initiate claims using the method that best suits their preferences and needs.

Average Claim Processing Time

Efficiency is a hallmark of The Lincoln National Life Insurance Company’s claims processing system. While the exact processing time may vary based on individual circumstances, the company is dedicated to expediting claim resolutions. Policyholders can trust in Lincoln National’s commitment to prompt claims processing, reflecting their customer-centric approach.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback plays a pivotal role in assessing the effectiveness of claim resolutions and payouts at The Lincoln National Life Insurance Company. The company places a strong emphasis on customer satisfaction in this regard.

By taking into account customer experiences and feedback, prospective policyholders can gain valuable insights into Lincoln National’s track record of delivering fair, efficient, and satisfactory claim resolutions and payouts.

Digital and Technological Features by the Lincoln National Life Insurance Company

Mobile App Features and Functionality

Recognizing the importance of technology in enhancing customer experiences, The Lincoln National Life Insurance Company offers a feature-rich mobile app. This app empowers policyholders with convenient access to their insurance accounts and related information.

With a wide range of features and functionalities, including policy management, premium payments, and claims tracking, the mobile app streamlines insurance-related tasks, ensuring efficient policy management and a user-friendly experience.

Online Account Management Capabilities

In today’s digital landscape, robust online account management capabilities are essential. Lincoln National provides policyholders with a secure online portal that allows 24/7 access to their accounts.

Through this platform, customers can access comprehensive policy information, make adjustments to their coverage, and monitor account activity with ease and convenience, further enhancing their insurance experience.

Digital Tools and Resources

To promote financial literacy and preparedness, The Lincoln National Life Insurance Company offers a suite of digital tools and resources. These resources are designed to empower policyholders with valuable insights, calculators, and educational materials.

Whether calculating insurance needs, exploring risk assessment, or accessing informative resources, the company’s digital tools are tailored to equip customers with the knowledge necessary to make informed decisions about their coverage and financial future.

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Frequently Asked Questions

What insurance products does The Lincoln National Life Insurance Company offer?

The Lincoln National Life Insurance Company provides a comprehensive range of insurance and financial products, including life insurance, term life insurance, universal life insurance, retirement plans, and annuities.

How does The Lincoln National Life Insurance Company ensure affordability for policyholders?

The company offers competitive discounts tailored to individual needs and circumstances, making quality coverage more affordable and accessible.

What sets The Lincoln National Life Insurance Company apart in terms of customer satisfaction?

With a commitment to financial strength and positive customer reviews, Lincoln National emphasizes reliability and extends valuable discounts to policyholders, ensuring their satisfaction and financial security.

How does the claims process work at The Lincoln National Life Insurance Company?

The company is dedicated to providing a seamless and convenient claims process, allowing policyholders to file claims through multiple channels, including online submissions, phone assistance, and mobile apps, with a focus on prompt and efficient resolutions.

What digital features does The Lincoln National Life Insurance Company offer to enhance customer experiences?

Lincoln National provides a feature-rich mobile app for convenient account access, online portals for 24/7 account management, and a suite of digital tools and resources to promote financial literacy and empower policyholders with valuable insights for making informed decisions.

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