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Last Updated: 04/18/2025

Lincoln Life Insurance

in Life Insurance from Lincoln

Last Updated: 04/18/2025

Mostly recommended7 total votes

3 users recommend

3 users are unsure

1 users don't recommend

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Highlights

Community Rating

Mostly recommended

Term Life Death Benefit Range

N/A

Term Options

Term Life

Financial Strength Rating

A+(Verified 04/18/2025)

Number of Reviews

7

Lincoln Life Insurance Review

Lincoln life insurance Pros & Cons

Pros

Cons

Life policy terms of up to 30 years.
Strong financial rating
Available in all 50 states.
Access to multiple life insurance policy types.

Lincoln is a life insurance carrier based in Greensboro, NC. The company was founded in 1905 and offers life insurance products in 50 states (and Washington, DC).

Lincoln life insurance FAQ

What types of life insurance products does Lincoln offer?

Life insurance companies typically offer a wide variety of life insurance options. One of the best ways to save money on life insurance products is to avoid unnecessary coverage. Only purchase life insurance policies and riders you actually need.

Here is a brief description of life insurance options Lincoln offers.

Term Life Insurance - This is the simplest type of life insurance policy. Term life insurance policies are payable if the insured person dies within a specific period of time, such as 5, 10, or 30 years. Lincoln life insurance offers term lengths ranging from 10 to 30 years.
Universal Life Insurance - This type of universal life insurance policy guarantees a fixed death benefit and an investment account. The cash value of the investment account will vary depending on the portfolio's performance.
Variable Universal Life Insurance - These types of universal life insurance policies provides the most flexibility when it comes to investing the cash value of a universal life policy in separate accounts with "variable" values.

What is SuperMoney's financial rating of Lincoln?

The financial strength rating of life insurance companies scores its ability to pay contracts and life insurance policies. SuperMoney gives Lincoln an A+, which is the highest available rating we give to life insurance companies.

SuperMoney's financial strength rating is primarily based on the average score from independent insurance rating agencies.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters

100 North Greene Street

Greensboro, NC 27401

(877) 275-5462

Visit Site

Email Support

Other Services by Lincoln

SuperMoney Net Recommendation Score

SuperMoney users mostly recommend this product, giving it a user recommendation score of +29, or 3.6 on a 5-point rating scale.

+29

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Lincoln Life Insurance Community Reviews

Would you recommend Lincoln Life Insurance to your friends?

MC

Mazhar C.

Nov 25, 2022

May or may not recommend

My teacher retirement is in the Lincoln Financial Group. I never fully understood the various T Rowe retirement accounts that were recommended but I agreed to the allocations while I was employed. Now that I just retired, I contacted Lincoln and asked questions to understand my 403B plan in order to make financial decisions. They were extremely helpful and patient while explaining my holdings. I actually then decided to move ...Show More

JR

Jay R.

Jul 20, 2021

May or may not recommend

I have a life insurance policy on my partner through Lincoln Financial and, though my relationship with this company is relatively new, I'm have mixed feelings about it. I will say that I'm confident in their coverage (I believe I would have no troubles with them paying out should they need to), but there was a bit of a snafu with paying my premium: I had signed up to use ...Show More

KH

Keith H.

Jul 4, 2021

May or may not recommend

So far I've been a bit on the fence on whether or not I like this life insurance but so far they have been very helpful in answering my questions!

AO

Adebola O.

Jun 17, 2021

May or may not recommend

Lincoln life insurance is one of the life insurance with best policies. Their customer service are also on point. The only thing I think they need to work on are some complex terms they use in their documentation.

DF

Dale F.

Nov 17, 2020

May or may not recommend

Before Lincoln bought my old insurance co. my $293 policy were paid by my dividends. My policy is over 50 years old now I pay $216 on it dividends cut to the bone.

SN

Susan N.

Oct 10, 2020

May or may not recommend

My teacher retirement is in the Lincoln Financial Group. I never fully understood the various T Rowe retirement accounts that were recommended but I agreed to the allocations while I was employed. Now that I just retired, I contacted Lincoln and asked questions to understand my 403B plan in order to make financial decisions. They were extremely helpful and patient while explaining my holdings. I actually then decided to move ...Show More

AA

Annie A.

Sep 16, 2020

May or may not recommend

Lincoln Financial Group has some of the best life insurance policies in the market - from Term to a UL w/Long-Term Care reimbursement. And, all the policies, no matter how complex they sound, are designed to be simple and transparent, so consumers can easily understand what they've purchased. Their customer service is also very prompt and courteous.

Showing 7 of 7 reviews