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PROVIDER REVIEW
Lincoln Financial
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About Lincoln Financial

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Lincoln Financial Life Insurance Review

Overview

Lincoln Financial is a life insurance provider that is built on the foundation of honesty and dependability. In 1905, the company named itself after President Lincoln, whose profile serves as the company’s logo. This financially strong company has lenient underwriting guidelines and caters to seniors and other high-risk applicants. The downside? It doesn’t offer whole life insurance, and you can’t apply for a policy online.


PolicyScout Review

Pros

  • Established and financially stable. As one of the oldest insurance providers in the country, Lincoln Financial has strong financials and can pay out claims.

  • Comprehensive, flexible options to suit people’s various needs

  • Multiple underwriting niches and competitive underwriting. If you’re living with a health condition, if you’re a senior, or if you’re a smoker, Lincoln Financial has lenient health requirements and coverage for

  • Below-average cost for older applicants

  • The term policy can be converted into a permanent policy

  • Your medical exam can be done at home or work (if you require one)

  • Your policy is delivered electronically

Cons

  • No online application. If you want to apply, you must do it through an agent or on the telephone

  • Complicated website—takes some digging to find the information you need

  • No whole life insurance options

  • More expensive than competitors, particularly for younger, healthier applicants

  • Policy changes must be done through a phone call or speaking directly with an agent

  • No mobile app

  • Average to low customer satisfaction rating

  • High premium amounts for term life aren’t as competitive as some other options on the market

If you have complex health conditions or are a senior, Lincoln Financial is an excellent option for term life insurance coverage. If you’re younger and looking for more affordable options, there may be better options out there for you. Lincoln Financial is best for those who may find it difficult to get coverage. And with an A+ rating from AM Best, the company is financially stable enough to provide you with peace of mind that they will pay out all claims when the time comes.


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