Insurer profile · Lincoln National · NAIC + CMS

Lincoln National Life

Lincoln National Life's complaint record, claim-denial rate and reputation grade, drawn from published NAIC complaint data and CMS Transparency in Coverage.

A
Reputation grade
0.56
Complaint index
50
States active

The verdict

Lincoln National Life earns a A reputation grade - far fewer consumer problems than peers of its size, according to the NAIC's published complaint index, its ratio runs 0.56, below the 1.0 market average.

A
reputation grade
0.56
NAIC complaint index
AAA
Reputation grade A (composite score 77.6) - A=Excellent, F=Failing. Based on NAIC complaint ratios and CMS denial data.

Graded on 1 of 3 measures: NAIC complaints. The score is rescaled across the measures available, so it is not directly comparable with a carrier graded on more of them.

How we calculated this grade →

NAIC CIS filing desk

NAIC 65676 A · 77.6

GRADE-A · INDEX-QUIET · DENIAL-NONE · RANK-BEST · PHOTO-FINISH · LINES-1 · BOOK-RICH

  • GRADE-A A · 77.6
  • INDEX-QUIET 0.56
  • DENIAL-NONE No CMS file
  • RANK-BEST #12/72
  • PHOTO-FINISH Erie Homeowners · A
  • LINES-1 1 line
  • BOOK-RICH 6/7 fields

Nearest complaint-index peer: Erie Homeowners (±0.00 index pts)

Instrument codes from this carrier’s NAIC Consumer Information Source filing: grade band, complaint index, CMS denial band, corpus rank, photo-finish peer, line book, and field completeness. Not an official NAIC rating.

Complaint-index neighbourhood around Lincoln National Life

Quietest and hottest poles plus nearest index peers, not a full NAIC corpus board reprint.

Lincoln National Life - complaint index neighbourhood

complaint index

What this shows According to PlainInsurer's dataset, Lincoln National Life has a lower (better) NAIC complaint index than 82% of the 72 rated insurers it tracks and ranks #8 of 16 carriers by complaint ratio in Life Insurance.

Source NAIC published complaint index (2024) As of 2026

Where Lincoln National Life sits on complaints

complaint index

What this shows Lincoln National Life's complaint index of 0.56 is 44% below the 1.0 market average for a carrier of its size.

Source NAIC published complaint index (2024) As of 2024

Lincoln National Life vs. the full rated-insurer dataset

56% Among the most affordable more affordable than 82% of 72 rated insurers

Lincoln National Life 0% 425% all rated insurers, bucketed by value

Each bar is a band; taller bars hold more rated insurers. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source NAIC published complaint index (2024) · 2024

Scale vs. complaint-adjusted score

NAIC complaint counts with PlainInsurer composite scores (multi-vintage: NAIC MCAS + CMS TiC/MA when present), 72 rated insurers 2×2 strategic matrix plotting 30 entities by Total complaints → (X) and Composite score (higher = more friction) → (Y), with a crosshair dividing the plot into four quadrants. Large, high frictionSmall, high frictionLarge, low frictionSmall, low friction 02,0004,0006,0008,000 60708090100 Total complaints → Composite score (higher = more friction) →
NAIC complaint counts with PlainInsurer composite scores (multi-vintage: NAIC MCAS + CMS TiC/MA when present), 72 rated insurers

Complaint record by line of business

Line Est. complaints Complaint index States active
Life Insurance ~3,496 0.56 50

Life insurance market share

National ranking by direct written premiums, NAIC 2024

#5
Market share
4.08%
Direct written premiums
$6,446.8M
See the full market-share ranking →

What the NAIC filing desk shows for Lincoln National Life

According to PlainInsurer's dataset, Lincoln National Life has a lower (better) NAIC complaint index than 82% of the 72 rated insurers it tracks and ranks #8 of 16 carriers by complaint ratio in Life Insurance.

Lincoln National Life is outside the CMS marketplace file, but the claim-denial rate ranking shows what that data reports for the carriers it does cover. How complaint indexes place Lincoln National Life.

Nationwide insurers with similar scores or complaint volume

Two corpus-wide peer sets for Lincoln National Life: nearest national-scale carriers by composite score and by NAIC complaint volume. These are cross-market neighborhoods, not the corporate-family list or same-grade chips above.

Similar composite score

Nearest carriers by composite score (77.6 here). Floored at 50+ complaints and 5+ states.

Erie Homeowners 77.6 Nationwide Life 76.8 Erie Insurance 79.2 Principal Financial 80.8

Similar complaint volume

Nearest carriers by NAIC complaint count (3,496 here). Deduped against the score peers so the two sets stay distinct.

Gainsco Insurance 3,344 complaints Molina Healthcare 3,893 complaints Universal Property & Casualty 2,870 complaints State Farm 4,136 complaints
Aggregates only, not advice. Full terms on the disclaimer.

Questions about Lincoln National Life

What does Lincoln National Life's grade mean?
Lincoln National Life received a grade of A, indicating far fewer consumer problems than peers of its size.
How many complaints does Lincoln National Life have?
PlainInsurer estimates Lincoln National Life's complaint volume at roughly 3,496 across 50 states, derived from its published NAIC complaint index and market footprint (NAIC does not release exact per-company complaint counts via public bulk data).
How do I file a complaint against Lincoln National Life?
File against Lincoln National Life through your state's Department of Insurance or the NAIC consumer portal at naic.org.
Is Lincoln National Life a good insurance company?
PlainInsurer's A grade for Lincoln National Life reflects far fewer consumer problems than peers of its size relative to peers on published complaint and denial data.
What types of insurance does Lincoln National Life offer?
Based on NAIC filing data, Lincoln National Life reports activity in 1 line of business: Life Insurance. Availability varies by state.

Verify Lincoln National Life

Lincoln National Life is filed with the NAIC under company number 65676. Search that number directly in the NAIC's own public consumer-information tool to cross-check this page against the primary source.

Verify on NAIC Consumer Information Source

Source: NAIC published complaint index data Complaint index, reputation grade for Lincoln National Life · 2024

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Download the data behind this page

The full PlainInsurer extract, covering every insurer including Lincoln National Life, is available as CSV and JSON. Underlying federal data is public domain; see our methodology for the compilation and grading method.

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Data: NAIC published complaint index (2024). Not affiliated with NAIC or CMS.

Every figure on PlainInsurer comes directly from NAIC MCAS and CMS Transparency in Coverage data; no editor types in numbers. See our editorial standards or methodology, or report an error. Data current as of 2026-08-11. Grades measure only the published complaint/denial data; we don't recommend any insurer or policy.