Lincoln National Life Company Evaluation and Product Introduction

By 1969, the company was listed on the New York Stock Exchange,The stock code is LNC, Until today is still trading in the market.In the 90s, they actively acquired other insurance businesses, but in 92 they sold part of their healthcare business, focusing more on life insurance as a source of income.

In 1998, Lincoln Financial Group adopted this new name.The purpose of this is partly to help distinguish its different growth aspects between the insurance business and the investment business.

According to "Forbes" reports, according to asset management,Lincoln Life is now ranked in the top 25 in the United States and is also a giant in the Fortune 250.

Lincoln Life Insurance's financial situation

Lincoln Life has a good investment record, which is reflected in the ratings of major credit agencies AMBest, Fitch, Moody's, and Standard & Poor's.These companies set evaluation indicators for how consumers can trust the solvency and future development prospects of insurance companies. Lincoln Life has received "A" or better ratings from all four rating agencies, and few other insurance companies can do so. To this point.

The following are the ratings of the rating agencies (How to interpret the rating?):

• AM Best – A+
• Fitch – A+
• Moody - A1
• Standard & Poor's –AA-

Lincoln Life has won many awards in the past 100 years, including "XNUMX Best Companies for Work", which is an important recognition of the diversity of the company's office environment, and has even been named "an angel who helps cancer patients travel free Enterprise" award.

For the global Chinese-speaking community, Lincoln Life Insurance released the simplified Chinese version ofIntroduction to the company's financial strength,you canclick here to viewOfficial introduction.

Public Concern for Lincoln Life Insurance

Lincoln Financial Group (LFG) is a household name in Philadelphia because it named the home stadium of the Philadelphia Eagles: Lincoln Financial Stadium.It also owns the Lincoln Financial Foundation, which is dedicated to educating the younger generation, developing fair and economically reasonable workplaces, and expanding creativity through artistic activities.

Lincoln Life Insurance Product Line

Lincoln Life Insurance has a good share in the personal and SME market, and its products include insurance, retirement plans, executive bonus plans, and retirement and investment services.Lincoln Life also has a rare core advantage in the long-term care insurance (LTCi) industry, and it is almost the most important insurance company in this industry.

However, we are still focusing on the product category of life insurance. The following are their core life insurance products:

1. Term life insurance
2. Universal insurance
3. Index Universal Insurance
4. Investment universal insurance

Whether you need a short-term policy or a lifetime policy, you can choose Lincoln Financial Group and its subsidiaries.

Term life insurance

In Lincoln Life's term life insurance, you have two main options:

• Lincoln Term Accel^®
• Lincoln Life Elements^®

For young people, Term Accel® It is a relatively good choice.With the application of technology and big data, this product can complete the online contract completely electronically, without possible physical examination, and the minimum guarantee period can be signed in two days.In terms of insured amount, as long as you are not over 50 years old, it is possible to apply for an insured amount of US$50.

Life Elements® This product can be purchased without a blood test.Through telephone interviews, even if they are older than 45 years old, they can quickly apply for an insurance coverage of more than US$50.

Universal Insurance & Index Universal Insurance

Lincoln Life's complete lifetime life product line always has one that is suitable for consumers.The following is the product list:

• Lincoln Life Guarantee^® UL
• Lincoln LifeCurrent^® UL
• Lincoln Life Reserve^® UL
• Lincoln Life Reserve^® Indexed UL Accumulator
• Lincoln Wealth Advantage^® Indexed UL (Product Evaluation）
• Lincoln Wealth Preserve^® Indexed UL (Product Evaluation）

Each of the above products serves a clear demand.It covers from the most basic products with constant premiums and guaranteed death compensation, to advanced products for planning real estate and wealth inheritance.Index universal insurance puts part of the cash value into the stock market to obtain potential cash value growth.

In 2019, Lincoln Life updated its WealthPreserve®️ IUL product, providing more flexible cash value account selection and strategies, and investing inForeigner market.

Investment universal insurance

If you are willing to take a little bit more market risk, in exchange for the return on investment of the policy.You may consider an investment universal insurance product. Note that this type of product can only be applied for through a registered sales representative.The main products are:

• Lincoln Asset Edge^® VUL
• Lincoln Asset Edge^® Exec VUL
• Lincoln VUL^ONE
• Lincoln SVUL^ONE
• Lincoln Preservation Edge^® SVUL

These products are from low market risk to high market risk. Products with low market risk are mainly used to fight against economic cycles with relatively low interest rates, while products with high risk have both risk and return.

SVUL this product protects two people at the same time, and the two are mutually beneficial.It is mainly used for real estate planning, estate planning and wealth preservation tools between husband and wife or business partners.

LTC Long-Term Care/Long-Term Care

Lincoln Life is one of the few life insurance companies specializing in LTC long-term care insurance/long-term care insurance. Its flagship product, MoneyGuard, is the mainstream product in the Hybrid long-term care insurance market in the United States.

• Lincoln MoneyGuard^® long term insurance (Product Evaluation）

InsuGuru©️Comprehensive Evaluation

Lincoln Financial Group LFG is a trusted name.In its business history of more than 100 years, it has established excellent insurance products and provided excellent choices for users who need such products.In the ranking of excellent insurance companies in the United States, Lincoln Life Insurance is one of the Top 10.

As the guardian of wealth, Lincoln Life's index universal insurance and investment insurance products are highly competitive products in the market.Data reportIt shows that the long-term care insurance of Lincoln Life Insurance Group occupies a dominant position in the US market, ranking first in sales in the long-term care insurance market.

Lincoln Life’s term life insurance products are not very competitive, but if you want to manage all your insurance plans in this insurance company, then Lincoln Life’s value will be reflected.

To sum up, Lincoln Life has a long history, strong brand reputation and trustworthiness, and can provide excellent solutions for your insurance and financial management needs.