Lincoln National Life

Lincoln National Life appears in PlainInsurer's regulatory database with 654 justified complaints on file across 50 states under NAIC code 65676, operating as part of Lincoln National. The company's composite score of 77.6 translates to a reputation grade of A — this score combines NAIC complaint ratios, available CMS claim denial data, and Medicare Advantage prior authorization metrics where applicable. Lower composite scores indicate fewer consumer problems relative to company size; higher scores indicate more.

Looking at business mix, Lincoln National Life reports activity in 1 line of business (Life Insurance). Its complaint score of 77.6 — normalized by premium volume — is what regulators and consumer-protection groups use to compare insurers fairly across different company sizes.

For consumers evaluating Lincoln National Life, the practical implication is this: complaint ratio and denial data give a comparative view of how this insurer treats policyholders relative to peers, but they cannot predict your individual claim experience. The current A grade suggests fewer consumer problems than at most insurers of similar size, which is a positive signal — though coverage terms, price, and state-specific licensing still matter for any purchase decision. This page is not financial, legal, or insurance advice — verify all coverage terms with a licensed agent and consult your state's Department of Insurance for dispute or complaint procedures.