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Lincoln Financial Group Insurance Review & Complaints: Life Insurance

Lincoln Financial Group is a Fortune 500 company offering life insurance and annuities. Lincoln Financial Group insurance products include term life and universal life insurance. Read this Lincoln Financial Group review to learn where you can find life insurance quotes and rates.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Sep 9, 2020

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Founded more than 100 years ago, Lincoln Financial Group is a Fortune 500 company offering mainly life insurance and annuities. They are a large financial services group, selling their products to both individuals and as group benefits through employers. They are the only company in the U.S. that uses the name and likeness of Abraham Lincoln with the written permission of the President’s family.

About Lincoln Financial Group

Lincoln Financial Group is the operating name of Lincoln National Corporation, which was founded in Fort Wayne, Indiana in 1905. The name of the original company is Lincoln National Life Insurance Company, which still exists today as a part of the group of companies under the Lincoln name.

Robert Todd Lincoln, the son of President Abraham Lincoln, provided the founders of the company with a photo of his father along with his permission to use the Lincoln name and image as part of their company brand. The Lincoln name was chosen to represent integrity. The company was involved in 1929 the opening of the Lincoln museum in Fort Wayne, which remained open until 2008. It later donated the $20 million collection to the state of Indiana to commemorate Lincoln’s 200th birthday.

By 1955 Lincoln was the ninth largest life insurance company in the United States, having reached $1 billion in assets. It was in 1968 that Lincoln National Corporation was officially created, becoming one of the first insurance holding companies in the nation.

In 1998 the company left its roots behind and relocated its headquarters to Philadelphia. Since 2002 Lincoln Financial has held the naming rights to the Philadelphia Eagles’ stadium.

A 2006 merger with Jefferson Pilot Financial elevated Lincoln to a position as one of the largest financial services companies in the country. They have been named as the Best Life Insurance Company in the United States multiple times by World Finance magazine.

Lincoln Financial ranked at number 205 on the Fortune 500 list for 2018. They sell life insurance and annuities directly to individuals through financial advisors across the country and also operate a large employee benefits service that includes voluntary benefits like dental, vision, disability, critical illness, and accident insurance.

The operate today with several subsidiaries, the largest being:

  • Lincoln National Life Insurance Company
  • Lincoln Life & Annuity Company of New York
  • First Penn-Pacific Life Insurance Company
  • Lincoln Financial Distributors
  • Lincoln Financial Advisors

Lincoln representatives provide retirement planning and investment advice in addition to selling insurance products.

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Lincoln Financial Products

Lincoln’s biggest product is life insurance, but they also offer several annuity options. In addition to annuities, they provide long-term financial planning services. Their group benefits arm handles a long list of voluntary benefits that are not offered on an individual basis.

Life Insurance

Lincoln’s flagship product is life insurance, and they offer two main types of life: term life insurance and universal life insurance. They do not offer whole life insurance products as of the time of this review. Their product selection stands out from many other insurance companies in terms of the many options they offer in each category, particularly universal life and annuities.

Term Life

There are two term life products from Lincoln.

The TermAccel level term product is offered to those under the age of 50, with death benefits ranging from $100,000 to $500,000. It is a simplified issued policy with an over-the-phone application process and approval in as little as two days. This plan may still require a medical exam depending on the applicant.

Guaranteed level premium periods are 15, 20, or 30 years, after which there is a one-time decrease in the death benefit. Accelerated benefits, children’s insurance, and waiver of premium are all offered as riders. All policies have an annual policy fee of $80 for policies under $250,000 and $90 for those above.

The LifeElements level term product is a higher-value plan that has a minimum face amount of $250,000 with no maximum listed. The guaranteed level term period options are 10,15,20, or 30 years, with a one-time decrease in benefits at the end of that period.

According to the website, they have competitive rates for applicants 45+ on death benefit amounts of $1,000,000 and above and for applicants 55+ on death benefit amounts of $500,000 and above.

This plan can be converted at any time during the term or up until age 70 to a permanent policy without further underwriting.

Universal Life

Lincoln has a long list of universal life products, including traditional, indexed, and variable. Some products are not offered in New York.

LifeGuarantee is a basic universal life insurance product with a level death benefit and a guaranteed premium amount. This is the closest option for those who are looking for something similar to a whole life policy.

LifeCurrent is a more flexible plan that offers three different death benefit amount choices: the level face amount, the face amount plus cash accumulation, or the face amount plus premiums paid.

There are several indexed universal policies: WealthAccumulate, WealthPreserve, and WealthPreserve Survivorship are available everywhere, while a few other options are offered only in a limited number of states. The indexed plans differ based on the risk level and other details of the investment accounts.

There are also several variable annuity options. These act much the same as any universal life product including flexible premiums and cash accumulation, but they tend to carry a little more risk in terms of the investment of that cash.

Annuities

Lincoln offers both fixed and variable annuities.

Fixed annuities include one traditional product along with several fixed indexed options. There is also one deferred and one immediate single-premium annuity option.

The Lincoln MyGuarantee Plus traditional annuity offers a guaranteed initial interest rate for between five and ten years depending on the version you choose. After that initial period, there is an annual rate of interest.

There are five fixed indexed annuities listed on the Lincoln site, each with selected indexes and variations in the rate guarantees and time periods for surrender. Most can also include a living benefit rider.

Two single-premium annuities are offered – the Insured Income immediate annuity that provides income right away, and the Deferred Income Solutions annuity that provides income starting at a later date.

There are five different variable annuity options, all of which grow the investment of the premium while providing income. Riders can be added to any of the plans for things like long-term care with a living benefit rider.

Lincoln suggests contacting a financial advisor to discuss annuity options, which is the best way to make sense of the various types and how they might work for each individual.

Group Benefits

Lincoln provides a long list of voluntary benefits that employers can choose to offer to their employees. In May of 2018, they completed an acquisition of Liberty Mutual’s group benefits division, which expanded their reach and their market to employers of all sizes.

These include:

  • Dental insurance plans with Lincoln DentalConnect, a PPO plan
  • Vision plans with Lincoln VisionConnect with in-network and out of network benefits
  • Short and long-term disability
  • Accident insurance
  • Critical illness insurance
  • Term life and Accidental Death & Dismemberment (AD&D)

Group coverage through an employer means you can take advantage of group rates. Life insurance plans offered through group benefits vary from what is available to individuals.

Most of the plans offered through group coverage are not available for individuals to purchase. That includes dental and vision insurance, which is a little surprising given the relatively large market for those products on an individual basis.

Rates

Lincoln Financial does not offer online quoting for their products, including their life insurance.

For a company of this size, even one that works through financial advisors, we would expect to see some form of online quoting, even if only for a basic term life policy. Lincoln promises highly competitive rates, though we have no way of verifying that claim. Without any rate information, we are unable to compare this company on rates or value to other life insurance companies.

Lincoln’s policies tend to have higher minimum face values than some other companies, which indicates that they are marketing towards a certain audience – not the audience looking for the least expensive policy to take care of final expenses, but those looking to leave a protective legacy. As a result, we expect them to be a bit more expensive than some other companies.

Claims

In spite of the lack of online quoting, Lincoln does have an online claims form on their website for filing life insurance claims.

Claims can also be filed over the phone by calling 800-487-1485 and selecting option 4. This service is available Monday through Friday from 8:00 am – 6:00 pm.

An email address, fax number, and mailing address are also provided to send in the forms, which can be downloaded here.

Their Lincoln i-Claim Life Learning Center is a detailed resource that walks beneficiaries through the process, including what they will need and how to proceed. Like most life insurance companies, Lincoln requires documentation to process a life insurance claim but provides a clear list of what is needed and how to send it in.

Lincoln offers three choices for payment of claims. There is a lump sum payment option, with funds sent as a check or electronically. There is also a settlement option, which offers a range of flexible choices for regular payments on the proceeds over time. Finally, there is also the SecureLine option, which keeps the money in an interest-earning account with check-writing privileges. All of these allow beneficiaries to make the right decision for their needs in terms of handling the death benefit amount.

The claims process for other products varies by product, but all of the claims forms for all Lincoln products can be found on the website relatively easily, and most claims can be filed electronically. This is a very modern approach to claims from an old company that sells through financial advisors, and one we are always happy to see.

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The Lincoln Financial Website

As far as providing detailed information on products and services, Lincoln Financial’s online presence is excellent. This is not always the case with large, old financial services companies that rely on in-person representation, so it is refreshing to see.

The website is modern and it is easy to find what you are a looking for, including product information and prospectuses for investment products. The website is informative and also offers a lot of advice for investing, retiring, and buying life insurance.

The claims section is particularly detailed and easy to use, ensuring a smooth experience for those who need to file a life insurance claim – which is as it should be at a time of loss for the beneficiary.

The one area where the Lincoln website needs improvement is in offering rate information. A big company with a strong online presence should offer at least basic online quoting. Hopefully, that option will be added in the future.

Ratings and Consumer Reviews

The company’s headquarters in Radnor, Pennsylvania has a Better Business Bureau (BBB) page under the name Lincoln National Corporation, but there is no rating listed on that page.

The rating appears on the page for Lincoln Financial in Omaha, Nebraska, where there is an A+ rating and 49 complaints on file in the past three years. Of those, 11 were closed in the past twelve months.

There are 57 complaints on Pissed Consumer. Most of these complaints are about claims that have been denied by the company. A large portion of them seems to involved employer benefits policies rather than individual policies.

Yelp has 17 reviews, with an overall 1.5-star rating. The complaints again center on denial of claims, as well as difficulty getting help from customer service.

Considering the enormous size of Lincoln Financial, the complaint volume is low. It IS possible that some of the complaints are handled through other avenues, such as the HR department when employer-provided benefits are involved, but there are still far fewer complaints than average for a company this large.

The Bottom Line

Lincoln Financial has been around for a very long time. They have a good selection of products and their offerings reflect their expertise in the life insurance and retirement planning market. Without rates, we are unable to offer an opinion on the value offered by this company, but with the low complaint volume, they could be a good choice if the rates compare well to other similar companies.

Because Lincoln is heavily involved in the employee benefits market, many people will know them only through an employer. Lincoln does offer a lot, however, to potential individual customers, with a very comprehensive website that offers a lot of information and assistance. We would very much like to see them top that off with the option to get a life insurance quote online.

For a list of companies that we recommend, visit our Best Insurance Companies page.

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Review Information

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Lincoln Financial Group
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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

30 Comments

  1. You are so right.

    My ex-husband is fighting for his Mother’s death benefit.

    They are only paying out the Cash Surrender Value instead of the Death Benefit of $10,000 after she paid on the policy for 30 years.

    Reply
  2. After working for Walmart as an assistant manager I had to get on long term disability.

    They paid me each month for 2 years. I would get a deposit on the 29th of each month.

    They sent me a letter at the 2-year mark stating I was approved then on May 27th, I got a call from my claim manager to tell me I would not be receiving any more benefits starting immediately.

    This was 2 days before I should have received my monthly payments from them.

    They gave me no time to make other possible arraignments to pay my bills.

    Thank God we received a stimulus for COVID 19 but, that went all to rent.

    Now, what are we going to do?

    They instructed me to file an appeal and it is taking a long time because now I have to try to get more medical through all of this pandemic.

    They did this right in the middle of the pandemic. They have no care in the world.

    I really think someone there dropped the ball especially by not giving me any type of notice.

    I’m sorry, 2-day notice. That’s ok, Karma is a B!

    Reply
  3. Chances are slim that I will ever get payments.

    BEWARE LINCOLN FINANCIAL GROUP. IT SUCKS.

    They do not know you once your check clears.

    Reply
  4. Worst company in the world!!! I have had claims denied three times.

    They always give you the run-a-round and tell you to call your employer.

    They act as if they have never received paperwork even if you sent it with a read receipt.

    Now during the Covid-19 they act like they have never heard of the disease.

    Won’t pay for time off even with a doctor’s excuse when you were exposed as a health care worker.

    They tell you it is your works problem. and work tells you to call Lincoln.

    This company has never paid one claim. My work finally had to switch companies.

    Reply
  5. This is the worst company in the world.

    I called my examiner for a whole week and he never returned my calls.

    When I call the main office someone explained how short term disability works.

    He told me that the doctor form will take 14 to 21 days to get it reviewed by the nurse.

    I immediately call my HR department who call the company within five minutes the examiner called me to tell me that I was denied.

    How in the H@#$ he got that information so quickly.

    He also was very disrespectful to me on the phone.

    Try to call his manager who never returned my calls. The stress from this company is making me sick.

    After a week I haven’t received my denials letter. If anyone has the number to the complaint department please post.

    Reply
  6. My FA has advised that I purchase a $600,000 policy to leave as a legacy to our children.

    I am feeling a little less than confident after reading the comments above.

    My mother had a $3000 policy when she died this past May.

    After talking with a rep we filled out the required paperwork and sent it in.

    After many weeks of hearing nothing, I phoned.

    Seems one page was signed by me only – my brother is co-trustee and had signed all pages except for this one page which I had been told by the rep should only be signed by the person filling out the paperwork – me.

    The rep I spoke with said that an email had been sent to me with the reason for the delay.

    Neither I nor my brother had received an email.

    They could have phoned either of us but did not try that either.

    Lincoln is a highly rated company but their reps left with a bad taste in my mouth.

    Reply
  7. I retired from a school for medical reasons.

    What I thought was going to help me is financially putting me in the hole.

    They first sent me a letter they overpaid me $2,600.

    Now they sent me a letter they overpaid me $7,900

    I don’t recommend this company 😡😡

    Reply
  8. Lincoln Financial Dental Insurance

    I had to have two crowns done at the same time. Lincoln Financial Dental denied the claim.

    Their “specialist” stated these two teeth only needed fillings.

    I am 60 years old and the fillings already in the teeth left no solution but crowns.

    My dentist of over 25 years wrote an appeal as did I. Still the claim was denied.

    I have NEVER had a dental claim denied. This happened in our corporation to other people as well (including our CEO).

    To say the least, Lincoln Financial Dental was dropped by my company after one year.

    Lincoln Financial are crooks when it comes to dental insurance.

    They take your premium payments but refuse to pay for necessary dental work.

    If your company only offers Lincoln Financial dental, you are better off securing your own dental insurance or doing without dental insurance.

    Reply
  9. I’m disgusted with their handling death claims!!!

    The State of Pennsylvania Insurance dept. Should really be investigating there practices period.

    We get the same runaround and it’s been more than 3 months!!

    Someone help!!!

    Reply
  10. My grandmother started a life insurance policy with Lincoln for me in 1985.

    Before she passed away, she made me promise to keep the policy current, and that is the ONLY reason I keep it!

    The website constantly gives me problems logging in, and calling customer service…LOL!

    The reps are very nice, but you might as well settle in for at least 20-30 minutes just trying to do something as simple as changing your address or making a payment.

    You cannot make payments via their website. The whole experience just feels outdated!

    People don’t have that kind of time these days!

    Please make dealing with Lincoln easier and faster!!!

    Reply
    • Agreed. LFG is the worst company I have ever dealt with. Do NOT try to deal with them.

      Impossible to pull up your account; they change rules for the password without advising you in advance; they fail to send annual statements regularly.

      After ten years, I am sick of these people who do not give a damn about clients.

      Reply
    • My agent dumped me after collecting commission when I paid cash for policy.

      Unable to get into to view my account, they block passwords and change requirements with no notice.

      I dispose of this arrogant company and seriously doubt I will ever get any payments.

      AVOID LINCOLN FINANCIAL AT ALL COSTS.

      I will probably need attorney to collect any funds.

      Reply
  11. My wife who is now 67 took the long term disability policy offered by Lincoln Mutual 12 years ago, 7 months ago she broke her hip, she has great difficulty walking and bending, she applied for long term disability and was informed she would receive $547.00 bi-weekly.

    When she received her first check of$ 67.00 we were concerned, and call Lincoln Mutual and were told that since she received Social Security benefits she would only receive $67.00 bi-weekly.

    This is a sham!!!!! This is not what was told to her when she purchased short and long term disability.

    When you have to work past retirement to make ends meet why are you penalized for drawing your benefits.

    Lincoln Mutual should be ashamed of taking advantage of seniors. This is not the end of this story, I plan to tell this story to as many outlets and people as possible.

    Reply
  12. I have worked in the insurance field as a legal administrative assistant for over 30 years. I have never in my life seen such an underhanded, unethical, and uncaring Company as Lincoln. They were paid by my Employer for years to make sure if anything ever happens to their employees that they will be able to survive and after giving me approximately 5 payments, which by the way I had to beg for every month, even though my employer paid for long-term disability which states in the policy that a person my age who is disabled can collect from them until they turn 65. Without any change in my condition, they suddenly decided there was nothing wrong with me and I can go back to work…. and cut off my benefits. This was after they sent some of my medical records to some random doctors in 2 other states, that never even saw me, decided “of course she can work… I get paid good money to get claimants benefits denied.” My orthopedic surgeon and my pain management doctor who have been treating me for over a year both have advised me that there is a chance I may never work again. This is after my having an accident in 2017, having 1 shoulder surgery, a total hip replacement, two lumbar spinal procedures and I am waiting right now for my final… hopefully… a cervical surgical procedure which is probably going to be a fusion with internal fixation and hardware. Yet this so-called “doctor” who must be getting paid big bucks said, “no problem you can work”. I am not only going to try to get my retroactive benefits, but if I can find a way to do it I am going to try and sue them for unethical bad faith practices, request treble the damages, punitive damages, and hopefully get that fake doctor’s license taken away from him. I always believed doctors were supposed to help people that were injured and disabled not just say they can work so they can get paid, more than likely more than what they would have paid me for my benefits that I am entitled to. These people are a disgrace and should not be allowed to practice in the insurance industry. I’m hoping somewhere down-the-line they will be shut down and fined a very hefty sum, so that they may need to depend on some kind of payments from an outside agency… and then get denied they are benefits.

    Reply
    • I agree 100%

      Lincoln Financial Group is crooks and should not be allowed to practice in the insurance industry.

      I paid for dental coverage and they denied my only claim.

      I had to have two crowns done at the same time.

      Lincoln Financial Dental denied the claim.

      Their “specialist” stated these two teeth only needed fillings.

      I am 60 years old and the fillings already in the teeth left no solution but crowns.

      My dentist of over 25 years wrote an appeal as did I.

      Still, the claim was denied. I have NEVER had a dental claim denied.

      This happened in our corporation to other people as well (including our CEO).

      To say the least, Lincoln Financial Dental was dropped by my company after one year.

      Lincoln Financial are crooks when it comes to dental insurance.

      They take your premium payments but refuse to pay for necessary dental work.

      If your company only offers Lincoln Financial dental, you are better off securing your own dental insurance or doing without dental insurance.

      Reply
  13. Worst life insurance company ever. Always insist that they didn’t receive the documents that you sent to them. Have to do it many times, every document, email, fax. So unprofessional cheaters! Never, use them and buy their policy!

    Reply
    • I had the same experience.

      LFG kept saying they had not received the documents from my dentist.

      My dentist sent them more than once and even personally wrote a letter.

      LFG never intended to pay the claim.

      Their dentist gets the final say and my dentist of 25 years who actually did my dental work did not matter.

      LFG are crooks. Thankfully my large employer left LFG after ONE year.

      We have been with Sun Life Insurance ever since and no one is having problems with getting claims paid.

      Reply
  14. Lincoln Financial sucks. I purchased a term policy on myself in 1998 and I’ve had no issues, but then again I haven’t tried to collect, fortunately. The problem is through my health insurance at work, I purchased coverage on my son, each of the last two years, cheap coverage for a $10k policy. Recently my son was killed in a car accident. I filed a claim and was told he was not eligible because he’s older than 18 and not a full time student. At the time I applied I was not told by the representative that he had to be a full time student, had I known this I would have purchased a separate term policy. They knew when I applied what his age was, why didn’t they ask for proof of student status then? They gladly accepted my premiums for the past two years only to deny my claim after the fact. Now I have to pay out of pocket for all the expenses. What a rip off company LFG is. They could care less about their customers.

    Reply
    • My Mother in Law paid on a whole life policy for 30 years.

      She passed away in May at age 97.

      Her policy was at maturity in April of 2017.

      The company paid out only the Cash Surrender value, under $3000, instead of the $10,000 Death Benefit.

      The funeral was $8700. Fraud. This company is a FRAUD.

      She paid every month for 30 years=over $16000.

      Reply
  15. It seems this company will not work with you when trying to work with a small estate. They require you to go through the formal probate process and spend thousands of dollars to claim a small policy. They need to be able to use the small estate process to pay out claims!!

    Reply
  16. This company is the bottom of the barrel. I had them after I was with Unum for my short term disability. Then I had to go with Lincoln for my long-term disability as that is who my company was with. I filed with them after my short term disability was up. I was approved by Lincoln. I was with Lincoln long-term disability for a long time and received regular payments. Then it came time to file for disability. I filed for disability which I was denied two times. I kept getting my disability but my husband told me to no longer cash the long-term disability checks to see the outcome of my third application for disability. I was approved for disability on the 3rd try. However, I was upset because I had to pay back the long-term disability because they denied the long-term disability halfway through my filing for disability. Nothing had changed with my medical condition. I appealed my termination of Long-term disability benefits several times and was turned down even once my social security benefits were approved. I called the Lincoln office to inform them I was approved for Social Security Disability but not for Long Term Disability even though nothing had changed. They were short with me and said well you exhausted all options with us and will have to pay back all funds that you earned after you were informed you no longer qualified to receive any benefits. I feel I should have received long-term disability as I sent in everything as requested. I also understood that if I ever got approved for social security disability, you notified them. I told them I knew I was approved but why were they requesting all the money back they paid me while I was under long-term disability which I did not understand why they stopped my payments when they did not know I put in for LTD, which I should able to collect until my Social Security Disability checks were coming in since I sent everything in to the Long Term Disability to Lincoln Long Term Disability was coming in. This does not make sense as to why would Long Term Disability turn me down after halfway or better of getting benefits but Social Security Disability approved my request by the same paperwork????? I had to pay back Nation Long-term d.

    Reply
  17. I bought a $100,000 policy with Jefferson Std 38 yrs ago and my premium was $100/mo. I was suppose to get a guaranteed 4% interest on my cash benefit. Unfortunately, LFG bought Jeff Std and it has been a nightmare ever since. According to LFG, cost if insurance has gone out the roof and my premiums are now $277/mo. I did the math and decided to get out with what cash I had left because if I stay in, it will go to zero and also eat up my policy value. WHAT KIND OF INS IS THIS. I agree with other comments to stay away from LFG. If I had bought Amazon stock when it went public and bought all I could with the near $50K I have paid LFG, not to mention the 4% interest compounded over the past 38 yrs, I would be a billionaire (with a ‘B’) today. I have been trying to surrender my policy to claim what cash value is left for over a month and still have no money or feedback. As one insured said, “delay and stall, delay and stall, delay and stall”. STAY AWAY FROM LINCOLN FINANCIAL GROUP!!!

    Reply
  18. These comments need to be heeded by prospective buyers. LFG does NOT respond, they hide for years, change log-in requirements without notifying policy holders. Then, you find your account blocked. We are unknown to LFG after they cash your check. Your agent will disappear after collecting commission. They are DOA to you, the policy holder. You will spend thousands in attorney fees to try to collect.
    BUYER BEWARE.

    Reply
  19. I had a major injury and was hospitalized had 3 policies.
    Aflac accident, Lincoln accident and Lincoln short term disability.
    Accident policy paid better than Aflac. Had to chase Aflac for mths.
    Lincoln accident paid in a few days.
    Short term disability would not pay, fine print says they won’t pay if you get workers Comp from an injury on ANY job. Said it was in the contract but they won’t tell u this when signing u up.

    Reply
  20. do you know anything about their annuities?

    Reply
  21. I wholeheartedly agree with above comments. I paid $50,000 cash for my LTC policy
    Ten years ago and have had nothing but problems contacting them. Do not even bother to email the”customer care service team”…… No one is there. I spent six months, then contacted corporate headquarters who was not there either. Finally several months ago, I attempted to log in to my account for the 50th time, called corporate and was told
    “We changed our web site, you need to re-register”. Well, hey, I cannot re-register because I cannot log in. I dispise this company and doubt I will ever collect any long term care benefits. Avoid Lincoln Financial Group at all costs. They will avoid YOU.

    Reply
  22. My mother bought a life insurance policy that has a long term health care plan as a rider. She recently went into a dementia center and needs the long term payments. I started her claim in October 2016 and as of today (December 26, 2016) we have not received any payments and there is a problem with every form they request. They denied her claim because the POA she gave me three years ago was too old. I fought them on that one, which part of dementia don’t they understand?? Now they told me after 3 months that the claim was approved but we are still waiting on invoices that have been submitted for payment. They always say that they didn’t receive the paperwork or there was a problem with it, stall-stall-stall. Stay away from this company!!

    Reply
  23. we have payed a $40.00 premium for the past 35 years for a universal life insurance policy. Now that it is coming to term, we find that the cash value is $78.06. They told us over the phone that the cost of insurance went up each year and that it was explained in our policy. Our fault for not reading that policy, right? They also said our agent should have explained this to us. Sadly our agent died 30 years ago and the closest one to our address is 90 miles away and doesn’t seem to have a phone to contact us over these years. This company is a rip off unless you are part of it.

    Save your money folks,

    Reply
  24. My parents have put money in to this from 1999. They were paying $259 and now they are $855. They can’t afford it. This is a very bad company and a bad plan!!! Price more than double right after they got it!!! The guy [Redacted] who sold it to them walked away with a very good commission. And when they lashed him about it they never heard anything more from him!!!

    Reply

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