March, 6 2021


Life insurance reviews, ratings and prices for the top companies

Lincoln National Life Insurance Company Review 2021

Lincoln National Life Insurance Company Review 2021

  • Price
  • Underwriting
  • Financial Strength

Lincoln National (Lincoln Financial) Life Insurance Company Review 2021

Pros:  Financial strength–  Lincoln National Life Insurance Company (Lincoln Financial Group) has an A+ (Superior) financial rating by A.M. Best (second highest of 16 possible ratings).  Stability– Lincoln Life was established in 1905, demonstrating durability as an insurer having been around for more than 100 years.  Top Insurer– Lincoln Financial is the fourth largest life and health insurer in the country. Smokeless Tobacco Niche– Lincoln is one of a select few companies that offer non-tobacco rates for users of smokeless tobacco such as cigars, chew, dip and marijuana. Height and Weight– Lincoln National Life has favorable underwriting on their build charts for height and weight. No Medical Exam– Lincoln has one of the best no exam life insurance policies on the market in 2021.

Cons: There isn’t not too many cons with Lincoln National Life. For some applications, their simplified issue product called TermAccel can be more difficult to qualify at the Preferred Plus for than their fully underwritten product LifeElements. This is common with simplified issue underwriting.

Bottom Line:  Lincoln National Life Insurance Company (Lincoln Financial) is a highly rated life insurer that has been around since the early 1900’s.  They are of one of the top insurers in the nation as far as market share.  Their life insurance rates on term and universal life are often some of the lowest in the country in 2021.  Also, their no medical exam life insurance product called TermAccel is extremely competitive on pricing.  On top of all this, Lincoln has an A+ (Superior) financial rating from A.M. Best marking it one of the premier life insurance companies in America in 2021. Lincoln Financial is also well-known locally and nationally for their sponsorship of Lincoln Financial Field which is the home stadium of the National Football League’s Philadelphia Eagles and the Temple Owls football team of Temple University.


Lincoln (Financial) National Life Insurance Ratings 2021

Rating Agency                                            Financial Rating

A.M. Best A+ ‘Superior’
Moody’s A1
Fitch A+
Comdex Score 91

Click here for the complete list of life insurance company ratings 2021.



Type: Public-NYSE Traded as LNC

Issued by: Lincoln National Life Insurance Company

Founded: 1905

Website: www.lfg.comlincoln financial life insu

Phone: (800) 487-1485

Mon-Fri 8:00 a.m.-6:00 p.m

Address: 1300 S Clinton Street, Fort Wayne, IN 46802

A.M Best Rating 2021: A+ (Superior) Second highest of 16 possible ratings

Comdex Ranking 2021: 91 out of 100

BBB Rating: A+

Competitors: Banner Life, Pacific Life, Protective Life, Prudential, Mutual of Omaha, SBLI,Primerica, Principal National, New York Life, , Northwestern Mutual, MassMutual, John Hancock, State Farm, Allstate, Ohio National Life, State Farm, Allstate, Ohio National Life, USAA, North American Co, AIG, Transamerica, Sagicor.



Term Life Insurance

Lincoln TermAccel Level Term
If you’re in good health and looking to get coverage for 10, 15, 20, or 30 years fast, TermAccel is your solution. The process is fully automated and offers affordable coverage quickly.

Lincoln LifeElements Level Term
If you’re looking for a little more coverage for 10, 15, 20 or 30 years for your family, your business or both, Lincoln LifeElements Level Term is your solution. It offers coverage amounts of $1 million and above with dedicated teams that specialize in large cases.

Permanent Life Insurance

Universal Life

Indexed Universal Life

Variable Universal Life

Lincoln National does not offer whole life insurance.

Price Comparison Chart

Sample monthly prices for a 40-year old male for each company’s best health class, $500k 20 year term:

AmountLincoln National PrudentialAIGNew York Life
$500k$31.41 month$43.32 month$29.84 month$42.02 month


Term Life Insurance Rates for $1,000,000 20 Year Term 45 Year Old Male

At each companies Preferred Plus health class.

Protective Life- $87.88 month

Pacific Life- $88.40 month

AIG- $88.85 month

Prinicpal National: $88.92 month

Sagicor Life: $90.16 month

Lincoln National- $90.94 month

SBLI: $92.26 month

North American: $93.72 month

John Hancock: $96.36 month

Northwestern Mutual: $103.65 month

MassMutual: $105.71 month

New York Life: $121.93 month





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