Lincoln National Life

Lincoln National Life Insurance Company

1300 S. Clinton Street
Fort Wayne, IN 

Lincoln National Life Insurance Company is a member of the Lincoln Financial Group, the marketing name for Lincoln National Corporation and its affiliates. The ratings below are based on Lincoln National Life's strategic affiliation with its parent company, Lincoln National Life Insurance Company, but are not guarantees of its future performance. 

An Enterprise is Born

The Lincoln National Life Insurance Company was founded in Fort Wayne, Indiana on June 12, 1905. During a time of controversy among big, established insurers, its 33 founders envisioned an insurance company rooted in dependability and honesty. To convey this spirit of integrity, they adopted the name of our 16th President, Abraham Lincoln, to represent the ideals the new company was founded upon. Robert Todd Lincoln, the President's only surviving son, gave the founders permission to use his father's name and likeness in July 1905, solidifying the name for the new company. 

Growth and Expansion

Within its first six years, The Lincoln National Life Insurance Company assumed a respected position of expertise among fellow insurers and regulators. In 1911, Lincoln Life reported $6.5 million of life insurance in force with $250,000 in premium income and $750,000 in assets. 

Through a series of acquisitions beginning in 1914 through the end of the Great Depression, the company expanded at an amazing rate, adding more than $250 million of insurance in force to its ledger. No other insurance company matched this expansion during its first 50 years; from 1905 to 1955, Lincoln Life grew to become the ninth largest life insurance company in the United States. 

The company underwent the most dramatic transformation in the last 20 years. Lincoln National Corporation realigned its business operations, divested its property casualty and reinsurance operations, acquired Delaware Investments and added life and annuity operations from CIGNA and Aetna. In 2006, Lincoln merged with Jefferson Pilot Financial, solidifying the company as one of the largest, most enduring and fiscally sound financial services organizations in the United States. 

Looking Toward the Future

What started as The Lincoln National Life Insurance Company has grown and become part of a larger organization, Lincoln National Corporation. Lincoln National Corporation is a nationally recognized, full-service financial services enterprise under the marketing name, Lincoln Financial Group. 

Today, Lincoln Financial Group is leading the industry in redefining financial security for its customers. Employing a strategy that goes beyond accumulation and protection to include income and enjoyment, Lincoln provides a full suite of products and services to help its customers achieve a common goal: retirement income security.

Before the end of your level term period, or to attained age 70, whichever is earlier, you can convert the policy to a permanent life insurance policy that Lincoln makes available, without going through the underwriting process again. New York policyholders will have the ability to convert until the later of the end of the 5th policy year or to attained age 60.

Available Options

Spousal Discount
For spouses, business partners/owners who submitted and paid for term insurance together, the $75 annual policy fee will be reduced to $37.50 on the term policy. 

Children's Insurance Option (Additional Cost) 
Available at an additional cost, provides level term coverage for all children of the insured. 

Accelerated Death Benefit
Pays out a portion of the death benefit if you were to develop a terminal illness likely to result in death within 6 months. 

Waiver of Premium Option (Additional Cost) 
Available at an additional cost, waives premium payments during the disability period of an insured who becomes totally disabled. Not available with Disability Income Rider. 

Accidental Death Benefit Option (Additional Cost) 
Not Available