Lincoln Financial Group

• Financial Strength Rating
• Term Life Insurance
• Permanent Policies
• Tele-App

Financial Strength Rating

All insurance companies are subject to financial ratings that determine their ability to pay claims to policyholders. The ratings are given by third-party agencies (A.M. Best, Fitch, etc.) and help consumers find a trustworthy insurance provider. 

Lincoln Financial Group has a solid history of receiving high financial ratings from rating agencies such as A.M. Best, Moody's, Standard & Poor's, and Fitch. 

A.M. Best is probably the most recognized rating agency and has given Lincoln Financial Group an A+ rating. 

Term Life Insurance

Lincoln Financial Group offers two term life insurance policies. These policies are a great option if you want coverage fast and for an affordable price. 

Lincoln TermAccel is a good option for those in good health and who want a decent length of coverage (you can get a policy for 10, 15, 20, or 30 years). The process is simple and fully automated. Consumers can apply online, and policies can be issued in as little as two days.

Coverage starts at $100,000 and goes up to $2.5 million. You might not need a medical exam with this option. 

Lincoln LifeElements is a better choice for those looking for more comprehensive coverage. Coverage can last for 10, 15, 20, or 30 years and extends to your family, business, or both. 

Permanent Policies

Lincoln Financial Group has a couple of permanent life policies available. These policies are generally customizable and flexible and offer lifetime protection. 

If you are interested, Lincoln Financial Group offers universal, indexed universal, and variable universal policies that build cash value over time.

Tele-App

Not everyone will need a medical exam or bloodwork to qualify for life insurance. To help streamline the entire process, Lincoln Financial Group offers a tele-app option.

• Vague Information

Vague Information

Lincoln Financial Group's website isn't the most informative. Our research team found a lot of vague information followed up with "speak to one of our financial professionals." While this may not bother some people, others will find it frustrating to take time out of their day to speak with someone on the phone. It would be nice if Lincoln Financial Group were a bit more upfront with at least some of the details regarding their policies.