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Lincoln Financial Group ReviewWith so much available to you and so much at risk, you need an insurance company that knows the tax advantages, flexibilities, and best way to leverage your assets so that your family stays secure and your policy remains safe.

Lincoln Financial is just the company for you, bringing knowledge and experience to every client for years, and providing years of dependable policies for all needs as well.

Lincoln Financial offers four different policies for customers, each customizable to the customer’s needs. We recommend before you make your final decision to obtain quotes from several different companies out there, such as Americo Life Insurance Company, Banner Life Insurance or Fidelity Life Association.

Products Offered Through Lincoln Financial Group

Lincoln offers some financial products for both consumers and businesses. These include annuities, long-term care insurance, employee benefits, workplace retirement plans, and life insurance policies.

The company provides several types of life insurance protection for its policyholders to choose from. Average life insurance rates all vary upon the company, the age at which you are applying and your current health situation. Do not allow your health to hinder you from seeking the coverage you desire, there are companies that offer no medical exam life insurance that may be best for your needs. Make sure to quote out several companies before making your final decision. The plans that Lincoln Financial group offer include:

Term Life Insurance

Term life insurance allows Lincoln Financial Insurance company’s customers with the most economical death benefit coverage for a set period. These term life policies offer a fixed premium amount in return for a certain amount of protection. Lincoln’s term life insurance policies include the following:

Lincoln LifeElements Level Term2014

The Lincoln LifeElements Level Term 2014 product is a policy with a guaranteed level premium for the policy holder’s choice of 10, 15, 20, or 30 years. Meaning that the policyholder pays the same low rate each and every year, and the amount of his or her premium will not change during the selected period. Also, the policy cannot be cancelled by the insurance company as long as the premium continues to be paid.

On this plan, the minimum amount of coverage is $250,000 with issue ages of between 18 and between 50 to 80, depending on the situation.

Lincoln LifeElements Level Term 2013

The Lincoln LifeElements Level Term 2013 Term insurance policy also offers solid term life insurance protection. Prior to the ending of the level term period, however, or to the attainment of age 70 – whichever is earlier – the insured is allowed to convert the policy over to a permanent life insurance policy that Lincoln makes available. The insured is not required to go through the underwriting process to prove his or her insurability.

Universal Life Insurance

Lincoln also offers some universal life insurance products. These include both regular and indexed UL, such as:

  • Lincoln LifeGuarantee UL (2013) (Not available in New York)
  • Lincoln LifeGuarantee UL (2012) (Not available in New York)
  • Lincoln LifeCurrent UL
  • Lincoln LifeReserve UL
  • Lincoln LifeGuarantee SUL (2013) (Not available in New York)
  • Lincoln LifeGuarantee SUL (2012) (Not available in New York)
  • Lincoln Treasury Indexed UL (Not available in New York)
  • Lincoln WealthAdvantage Indexed UL Accumulator (2014)
  • Lincoln LifeReserve Indexed UL Protector (Not available in New York)
  • Lincoln WealthPreserve Survivorship Indexed UL

Variable Universal Life Insurance

There are also some variable universal life insurance products available through Lincoln Financial Group. These products combine the protection of term life coverage with an accumulation value. The single life plans that are offered by Lincoln include the following:

  • Lincoln AssetEdge VUL (2015)
  • Lincoln AssetEdge Exec VUL (2015)
  • Lincoln AssetEdge VUL (2009)
  • Lincoln AssetEdge VUL (2009)
  • Lincoln VUL One 2014 (Not available in New York)

There are also VUL survivorship life plans that are available via Lincoln Life. These include the following:

  • Lincoln PreservationEdge SVUL
  • Lincoln SVUL ONE 2013 (Not available in New York)

As many of Lincoln’s products are not available in New York, the company has a portfolio of life insurance products that are specifically available in that state. These include the following:

  • Lincoln AssetEdge VUL (2015)
  • Lincoln AssetEdge VUL (2009)
  • Lincoln AssetEdge Exec VUL (2015)
  • Lincoln AssetEdge Exec VUL (2009)
  • Lincoln PreservationEdge SVUL

Lincoln Financial Insurance Company History

Lincoln was founded in 1905, and the company has a strong history. The firm is headquartered in Philadelphia and is a Fortune 500 company. It places a strong focus on its core business areas, which include life insurance and annuities, as well as retirement planning services.

Lincoln Financial is considered to be a strong and stable insurer by the insurance rating agencies. The company has been given the rating of A+ (Superior) by A.M. Best, a rating of AA- (Very Strong) by Standard & Poor’s, a rating of A1 (Good) by Moody’s, and a rating of A+ (Strong) by Fitch. The agencies feel that Lincoln Financial has the ability to meet contract-holder obligations on a timely basis.

The company has also been an accredited business with the Better Business Bureau (BBB) since December 1, 1939. It has been given a rating of A+ (on a scale of A+ to F). The firm has closed 87 complaints with the BBB in the past three years.

How to Obtain Premium Quotes for Life Insurance Policies

The purchase of life insurance is an important decision in an individual’s life – and without it, most financial portfolios are considered incomplete. This is because life insurance can be instrumental in ensuring that loved ones do not have to face financial hardship should a family breadwinner pass away unexpectedly.

Life insurance proceeds can also help to protect a lifetime of savings that have been built up from having to be spent on items such as estate taxes, credit card debt, and uninsured medical bills that a decedent may leave behind.

Great, you’re ready to being the insurance process! We represent top life insurance carriers, and collect the information that you need. To begin the process, just complete the quote section to the right.

Should you have additional questions, we can be reached by calling 888-836-7071. Let us help you with the quoting process, and answer any questions that you may have. So, contact us today – we’re here to help.

Getting The Lowest Insurance Premiums

Regardless of which company that you choose, Lincoln Financial or any other company, you can find better premium rates and save money on plans. Results from your exam influence your risk determination by the carrier. Here are a few insights on ways to get the best rate from the insurer.

If you want to get great rates take some of these simple lifestyle changes and apply them every day. Start by eating clean and everything in moderation. Instead of fries with your burger get a side salad, and instead of that coke or beer get an unsweet tea with lemon. These small diet changes could lower your weight and other vitals.

This change could save you thousands on life insurance protection, and its stop using tobacco. For one, it probably has been a habit you’ve always wanted to kick, and now you’ve got a major reason. The rates skyrocket when you’ve used within the last year before an application is submitted.

Working With An Independent Insurance Agent

Having a nest egg is always a great way to spend retirement, but do you have a safety net? Life insurance gives you that opportunity to leave behind a way for family members to easily take care of debts, and expenses that could do unpaid. Let us, independent brokers, be your helper in finding that perfect plan.

Since we aren’t tied to a specific insurance company our reach stretches far. Our agents know and understand which carriers fit your budget and goals best. So give us a shot at getting you a quote from many of the highly rated companies in the industry. Our quotes are simple, affordable, and fast.

 

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