Lincoln Financial Group

About Lincoln Financial

The Lincoln National Life Insurance Company was established in 1905, so named after the 16th president of the United States. The company would hold true to its namesake, maintaining a strong to its commitment to integrity and honesty over 100+ years of service, and grow to exponentially become what is known today as the Lincoln Financial Group. Their financial service offerings have broadened greatly, as they now manage over $100 billion in total assets. The company holds fast to seven values which have helped them flourish and ad value to their products: Integrity, Responsibility, Respect, Fairness, Diversity, Employee Ownership, and an overall Commitment to Excellence.

Lincoln Life Insurance Plans

Under Lincoln National Life Insurance, the company offers a vast array of options for term, whole life, and variable universal life coverage:

Term Life Insurance:

Lincoln GTO: Offers guaranteed level premiums and is fully convertible
Lincoln STO: A lower-cost, convertible alternative with a 10-year guarantee of level premiums
Lincoln Level Term: Offers 10 or 15 year guaranteed level premiums with conversion credits

Whole Life Insurance

WL-1: Focused on death benefit needs; offers a guaranteed cash value and premium and a high level flexibility
WL-1 CV: Focused on generating cash value
SWL-1: A survivorship policy that addresses both cash value and death benefit needs

Variable Universal Life

Lincoln VUL (CV) IV: Focused on generating cash accumulation via a range of investment options
Lincoln VUL (DB) IV: Uses a range of investment options with a focus on death benefit.
Lincoln VUL (ONE) 2005: Offers the best of both cash accumulation and guaranteed death benefit; derives its name from an Optimal No-Lapse Enhancement Rider (ONE), so that coverage is guaranteed
Lincoln SVUL IV: A survivorship policy emphasizing both death benefit and cash value
Lincoln UL(LPR) 6: Includes a Lapse Protection Rider so that death benefit coverage is guaranteed for life
Lincoln UL (DB) 2: A lower cost policy designed to meet death benefit needs
Lincoln SUL (LPR) 6: A survivorship policy that offers the Lapse Protection Rider
Lincoln SUL (DB): A survivorship policy designed to meet death benefit needs
Lincoln MoneyGuard: Contains a rider that makes the death benefit available to cover the expenses of long-term care
Lincoln MoneyGuard-Flex: Is similar to regular MoneyGuard only it allows flexible premiums
Lincoln MoneyGuard-LS: Is a survivorship policy; like all MoneyGuard policies, it makes the death benefit available for coverage of long-term care
Lincoln LifeStyle Select: Offers the advantages of universal life insurance at a cost competitive with term life insurance policies